vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I think it sucks that Capitol One Checking does not tell upfront about needing a savings account opened before you apply for their online fee free checking account. It really was a waste of my time after learning about this policy of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX, 2015 I made a series of bill payments using my Capital One credit card. I used my Capital One card so that I could gain the rewards points. XXXX of the payments ( {$820.00} paid to XXXX XXXX ) was processed as a cash advance ( unbeknownst to me ). On the same day that I paid my bills with my Capital One card, I also made a payment to Capital One in the amount of {$1400.00} to cover all of the charges that I had made the same day. Now here we are 1+ months later and I learn that I have been charged a {$24.00} cash advance fee, along with a seperate line of interest in the amount of {$11.00} becasue cash advances are charged at a higher amount of interest. I contacted Capital One to find out why my charges were n't just wyped out with the payment that I made and to protest the continued interest on credit card bill for a " cash advance '' that I have already paid back. I was advised that the " cash advance '' did n't post until the following day and the payment had already been allocated. I have also been advised that the only way that I can stop being charged ADDITIONAL interest for this " cash advance '' is for me pay off the " cash advance '' again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I received a notice from Credit Collection Services for a debt that I do not owe. It claims it is for a cancelled account with XXXX, a company with whom I have never had a relationship. The letter gives many directions on how to pay but does not mention how to dispute or even that I am able to dispute/request validation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I submitted a complaint about CAPITOL ONE, regarding Home Equity Account # XXXX on XXXX/XXXX/2015. This is an addendum to my previous complaint. 
Please see the letter attached, which I am sending to Capitol One today. It details the arbitrary changes they have made to my account since my conversations with them last week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have received correspondence from this company both by mail and by phone call. They claim too be collecting for capital one for a credit account opened XX/XX/XXXX and last paid XX/XX/XXXX. I told them I have no recollection of that account and even if I did, that was over 14 years ago and I 'm sure the statute of limitations has expired twice in which to collect on said account. I have asked them on the phone to cease and desist and I have returned their collection letter asking them to cease and desist. I was told today by XXXX that the only way they cease and desist is if I were to go into there office personally and sign a cease and desist form.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I started being a Chase customer back in XX/XX/XXXX. In XX/XX/XXXX, I started my first Credit Card with chase and eventually had XXXX with up until XX/XX/XXXX. In the beginning of the last year, they continued to send out a new card that I never received and I notified them that there customer representatives did not send it to the correct address including the branch. I called to notify them that somebody had either received the card or the numbers a racked up a balance of over {$5000.00} dollars. As I continuously contacted them of the following information the balance increased. When I sent a formal complaint to their headquarters they cancelled all my cards and claimed it was due to " breaking bank policy ''. However, as all banks have clearly stated there is a " zero tolerance '' for fraud or misuse of cards by other 's. I continuously called customer service and either was disconnected or was told a different story. To date, I have never been late on any of my credit cards or debt/payments. Chase eventually agreed to settle on the balance even though that is not the solution I wanted and I agreed to the terms if and only if the " breaking of the bank policy " is removed and that it clearly noted that I settled in good favor. However, now they have reported to the Credit Bureau 's that I was two months late ( XX/XX/XXXX and XX/XX/XXXX ) and only paid 50 %. This is not true because the balance was not mine to begin with. Instead, I was making an effort to walk away from company not standing by their values or customer. This is now and will be reflected on my credit report as a negative sign for the next 7 years. I feel that Chase should remove this and allow for it to closed case as they were paid. In addition, they also charged me late fees as interest for a balance that was not mine. I would like to have this matter investigated as it is crucial and does effect my financial state.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
Barclaycard # XXXXcharged me a {$1000.00} as a transfer from another card that had a XXXX balance. Barclay refused to call the new company to correct this error. I made the call to the previous company and was able to obtain a check for {$1000.00}. Barclay rep told me in XXXX that once the funds were received they would credit the card {$30.00} free plus any more fees/chargesAs of today, they have not and refuse to correct their error. Today the balance is $ XXXXXXXXBalance {$56.00}, {$37.00} late fee, interest {$1.00}. 
All I want is to have the charges reversed and corrected from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX/XXXX/XXXX First met with borrowers XXXX and XXXX XXXX who applied for a Loan Modification. All information was sent, however lender kept asking for additional information. XXXX had only been at his job for a couple of weeks and Capital One kept declining the file because there wasnt enough paystubs. We explained this over and over, and we even sent in a letter of employment which was also not enough to lender. They decided to close out the file as of XX/XX/XXXX when I called because of missing documentation they said. The home would be foreclosed on XX/XX/XXXX, and they would not give any options. As of XX/XX/XXXX all the information requested at the time was submitted and I had proof. I asked the file be escalated, eventually the file was reopened. They came back saying on XX/XX/XXXX they needed a new XXXX form which we sent again on XX/XX/XXXX. XX/XX/XXXX they had everything they needed I was told. I was told then the sale would happen on XXXX XXXX, XXXX and that they would not review the file. The file had been escalated to XXXX once again they had closed out the file as of XX/XX/XXXX. They reviewed that they had the documents they needed and reopened the file. Underwritter asked for more documents on XX/XX/XXXX as some of the information became outdated. All the documents requested had been sent. XXXX/XXXX/XXXX Capital One stated they had all the documents and that nothing else was needed at the time. An answer would be provided 5-7 business days. I called back and was told they needed the XXXX, I explained that it has been sent multiple times. They asked the borrower to get the IRS transcripts her self for XX/XX/XXXX and XX/XX/XXXX and submit them. This form has been sent in a number of times, and they keep asking for borrower to resend it. Initially the form was incorrect because a XXXX borrower is also on the loan, but the client had put the information just how they file their taxes. Capital One told them how to fill out the form and whos information to put on it. The form was aparently denied. I was told IRS rejected the form, and then approved, and back to denied. Capital One continues to not process information on a timely manner and eventually the borrower has to pay the price. No Single point of contact has been assigned to this file which is against the regulations. The file had to be escalated twice and it is still not being handled in a correct manner we feel.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I OPENED A CARD WITH CAPITAL ONE RESPONDING TO A PRE APPROVAL OFFER. I GOT THE CARD SENT TO MY SISTERS HOUSE IN WHICH I WOULD BE STAYING BECAUSE SHE HAD A XXXX AND I HAD TO MOVE IN TO TAKE CARE OF HER. I ORDERED THE CARD TO HELP TAKE CARE OF HER MEDICINE EXPENSES MONTH TO MONTH. I GOT THE CARD AND WHEN I WENT TO ACTIVATE IT IT SAID IT WAS A FRAUD ALERT PLACED ON THE CARD. I CALLED THE FRAUD DEPT AND THEY SAID THAT I HAD TO PROVIDE PROOF OF MY IDENTITY. I THEN SENT THEM A COPY ( FRONT/BACK ) OF MY DRIVERS LICENSE, AND A UTILITY BILL FROM MY SISTERS ADDRESS WITH MY NAME ON IT. AFTER THAT THEY SAID I NEED TO SEND IN A COPY OF SS CARD! I EXPLAINED TO THEM I DO NOT FEEL COMFORTABLE WITH SENDING OVER ANYMORE PRIVATE INFORMATION LIKE THIS - YOU HAVE MY ID AND A BILL AND THAT SHOULD BE IT. I 'M NOT SENDING MY PERSONAL AND PRIVATE SS CARD OVER INTERNET OR FAX. ITS NOT SAFE TO ME AND UNNECCESSARY. I CALLED TODAY TO CLOSE THE ACCOUNT ALL TOGETHER. I DONT WANT TO DEAL WITH CAPITAL ONE ANY LONGER AND I WAS TOLD THEY CAN NOT CLOSE MY ACCOUNT WITHOUT MY SS CARD SENT TO THEM! I HAVE NO BALANCE I WAS NEVER EVEN GIVEN THE CHANCE TO USE THE CARD! I JUST WANT IT CLOSED AND NOTHING TO DO WITH THEM. THEY ARE TRYING TO CHARGE ME AN ANNUAL FEE FOR NOT EVEN BEING ABLE TO USE THE CARD!! I WANT IT CLOSED THATS IT!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CCS companies called for XXXX XXXX regarding my estranged daughters bill. Lady was very rude & at first would not tell me who the bill was for.rude lady kept telling me that I would pay the bill & I had no choice at the beginning she would n't tell me who the bill was for or what the service was for. I told her she could send me a bill so I could see what service I had & she said it was to late for that & then my husband took the phone.XXXX told me that I am not responsible for her bills even on my insurance. I keep her on it just as a responsible patent thing to do. She has n't had contact with us in almost 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 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: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
I filed a complaint with you against XXXX & XXXX and sent documentation of the paid debt to you. They were still allowed to take money out of my bank account and place holds on my motor vehicle registration until I paid the amount they listed. After seeing your action dated today I am wondering if I will receive any of the money taken from me. I also have an additional complaint ( # XXXX, Merchandise Credit Guide ) with you that I have not received any response from. I am concerned that the penalties received are not being given to the people wrongfully strong armed into paying and not receiving the money back. Please reply.

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 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The primary mortgage for my property, located at XXXX XXXX XXXX XXXX, XXXX, XXXX, NY XXXX is currently held by Capital One ( Loan # XXXX ) - however they are not the original mortgator. In the process of conducting a title search, it appears that the title was never updated when Capital One took over the mortgage. I am now attempting to obtain documentation to update this, and to refinance my HELOC ( with XXXX ) and I am getting the runaround from Capital One. They have been unresponsive, unavailable to speak with and have told me it will take them 30 days to address. In the meantime, XXXX has told me I have 5-10 days to correct the title, or forfeit the HELOC application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
My wife, son, and I joined a gym 3 years ago. It was a monthly payment charged to our credit card that we left on file with them. They gym sold to another company. We were never given notice and we never advised of any changes to our contract. We called and were given permission for our military son on XXXX to use our tag and work out. By this time, the 3 members were not using the gym anymore. When our military son returned home 6 months later for XXXX leave, he tried to use the gym. Again, the 3 members were still not using the gym. He was kicked out and told he could not work out there. We decided to quit the gym. To do that, we were informed we had to continue to pay for two months after quitting. Also, the person we talked to did n't cancel our contract that evening. They were just going to keep charging our card monthly. We disputed that and contacted our credit card company to advise them we were challenging this. The credit card company froze our account so it could not be charged until the dispute was resolved. After 30 days, this company still had not responded to our credit card 's inquiry. They will not even answer the complaint. And, a week after disputing the charges with our credit card company, someone with all of our information, tried to add their name to our account. Because of that, the credit card was cancelled and a new one issued. The gym does not have the new one. We have now been threatened if we do not pay for these two months, it will be turned over to a collection agency and our credit will be dinged. We have tried twice to talk to them and they just do not care. We have also received multiple calls from the " financial company '' to 4 different phones even though we requested they only call one number. It is also a recorded message, never a live person. We have now sent a cashier check through registered mail in the amount this company has requested and we have asked that they never contact us again via phone or email. Even after receiving that check and signing for it, we were still called 5 times on the day of the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX/XXXX/16 I purchased a shake sample with no contract or commitment. It said if cancelled within 13 days there would not be an auto ship. I cancelled the next day. I have a XXXX. I sent a email to the company the very next day and had confirmation that it was cancelled. The company billed me anyway. I made a mistake by filling a dispute with Capitol One as apposed to contacting the company. Despite my proof that I was NOT in the wrong, Capitol One re-billed the charge almost immediately. I spent 50 days and numerous hours trying to contact my " specialist '' whom I never was able to reach. I was lied to, told the dispute was not closed while I was getting letters saying the closed my case. I was reduced to tears and felt help helpless. I finally called the company. I was crying. They said they could n't believe Capitol One has put me through this ordeal as they could see that I was not in the wrong and they apologized profusely. They said since it was in a depute process, they could n't help. I contacted Capitol One again to learn that they refused to help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On Sunday XXXX XXXX 2016 about XXXX XXXX I called Capital One in reference to another debt card for my son since his expires the end of the month. I understand it 's not my account but my son has a XXXX in which he can not read and it is difficult to read numbers. So as soon as the customer service representative answered the call my son told him his name and gave me permission to speak on his account. I tried to explain my sons XXXX but the representative was not helping. He was belittling me and my son. My son was not able to read his social security number without my help. The agent would not transfer me to a supervisor he said no supervisor was working and I would have to call back on Monday. The representatives was actually yelling at me and my son. He said his name was XXXX. My son was reminding in the worst way of being special needs! I called back 10 minutes later and ask for a manager or supervisor the young lady was very helpful because the supervisor was on another line. I finally just spoke with that young lady ( customer service representative ) and was put on hold for the supervisor after we finish checking on another card. When the supervisor pick up the phone of course the call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX took funds from my account in the amount of {$2700.00} for a business not related to me in any way. Nor did I authorize the transaction. The funds were taken from my Capital One 360 Account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital One did not take any steps to notify me that my account was past due. They did not take any steps to notify me before reporting late payments to credit bureau. According to rep you have to 'request ' to know these things. This is highly unethical, especially since they charge late fees. It is in their interest not to notify the customer. According to Rep, consumers do n't want to know this information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-12 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
This is a XXXX complaint about attempting to redeem a certificate of deposit at Capital One. I no longer live in the Capital One footprint. My XXXX phone call I was told that they would mark my account and it would be autoredeemed. When I checked, on the maturity date, I was told that there were no notes on the account and the I would need to talk to the certificate department but I would have to call back in XXXX minutes as they are n't open. I called back and was informed that I would have to talk to the branch. I called the branch today XXXX call XXXX to redeem a CD ) and I was told that I would have to have a letter notarized and mail it to the branch. This is not an acceptable. I want the CD redeemed. I offered to fax my license to XXXX the branch. She refused. She then stated I had the " option '' of faxing the notarized letter to the branch. I again refused. How can Capital One, an international bank, not have a process in place to address customers outside of their footprint. It appears that they are holding my money hostage until I happen to travel back to the XXXX area. This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Summary : Had a credit card, was paying debt. Became unemployed and unable to pay ( XX/XX/XXXX ), account went to collections. In XXXX XXXX, got a temporary part-time job and made arrangements with the creditor - XXXX to pay $ XXXX/month. Started XX/XX/XXXX. XX/XX/XXXX ( I 'm told ), the account was charged-off. I have been making $ XXXX monthly payments to creditor since then. XXXX XXXX, I wrote to them to tell them to " STOP CALLING ME. '' I said nothing about them not doing anything else. XX/XX/XXXX, they replied they " received [ my ] your request to close the above referenced account. '' WHAT??? And then later in the letter : " If you would like to may payment arrangements to resolve this issue, please contact us at XXXX. '' Huh??? I already made payment arrangements with them when it was discussed and I agreed to do $ XXXX/month - all I could do ; and notified them in the letter that I 'd let them know if/when my situation changed. 

So, my question is this : If the creditor talked with me, stated/negotiated ( almost begging ) an amount and accepted the payment amount I could make, AND has been accepting ( and acknowledging - receipt of ) those payments every month - for a debt that was Charged Off XX/XX/XXXX ; do they then have any right to refuse current payments I make, in an attempt to say I was not " paying as agreed, '' or to make it seem as if I have not been paying? What is my right as a consumer? What is their right as a creditor? 

I have another letter to write to them, accompanying the next payment I 'll be sending, to let them know they did not follow my letter, or misinterpreted it, and further - they did not acknowledge receipt/crediting the payment ( per letter as they have done for over a year - prior to my letter of request ). What else do you suggest I do at this point? Please advise, thanks.

Company response to consumer: Closed with explanation