vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We booked XXXX round trip tickets from XXXX to XXXX with XXXX Capital One credit cards ( paid partially with reward points and credit card charges ). During our trip flying from XXXX to XXXX, we missed our flight due to mis-communication with the airline company. We contacted Capital One trying to resolve the problem because Capital One also served our travel agent. Since we called Capital One travel department during their non-business hours, someone from their Card Customer Service Department promised to help us. We planned to book XXXX way ticket with a different airline to replace the XXXX flight that we missed, so we can still keep the return flight with XXXX. However, the representative from the Capital One Card Service Department mentioned Capital One will able to refund us the whole trip with XXXX. Instead of purchasing another XXXX way ticket, she advised us to purchase XXXX full round-trip tickets with a different airline. She said Capital One can not refund partial trip, but they can refund full trip. Therefore, I should purchase full round trip tickets with different airline instead of just XXXX way trip. She also mentioned she will place a note on my account, so her co-workers will able to help when I call back for the refund. The next business day, I called Capital One to process the refunds that they promised. I was connected to their travel department first, then their card service department, then their specialist and finally back to their travel department. They transferred my call around for almost 2 hours, and they were not to honor what they promised originally. No proper documentation was input in my account. They recorded my conversation with the original representative. And they made me liable for the misleading advise that the original representative made. Instead of paying for one-way ticket from a different airline ( approximately {$750.00} ), we have paid {$1700.00} extra for another full round trip tickets. We have purchased XXXX set of full round trip tickets for the same trip due to the misleading advice from Capital One Card customer service. There is evidence from the conversation record in the system. And they are not willing to retrieve the record and be liable for the mistake they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 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 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: LEXISNEXIS
State: MI

Complaint narrative:
I ordered a free clue report online to see what was going with my insurance score and credit report this website on Lexis Nexis indicated they follow all governmental policy and procedures so I ordered it from them. The website asked for all of my personal information along with social security information which I provided for my free report I entered everything in and the site redirected me to my account page to access my report but there was nothing there? I emailed support and the responded with the exact same steps I performed the first time and said my case was resolved?? I : E see quotations of response from the Lexis Nexis company ) -- & gt ; & gt ; & gt ; ( To view your search results please access the weblink https : //personalreports.lexisnexis.com. Log in to your account and click on 'My Account '. Under " Members area '' click on " My products '' and here you will find links to view or share your report. Click on View Report. 
Date Created : XXXX/XXXX/2016 XXXX Date Last Updated : XXXX/XXXX/2016 XXXX Status : Solved Please let us know if we can assist you further. 
Sincerely, LexisNexis, Customer Support ) And that was it I had tried calling the numbers provided only to find each operator said they had no ability to transfer me to the right department?? So I am now filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A company called me from this number XXXX XXXX XXXX XXXX, and told me that Orchard bank had discharge a debt XX/XX/XXXX and was not planning to take legal action, that I can offer a payment amount and see if they will accept it. I told them that I did not recall having a mastercard in default XXXX years ago. I told them that i will call my lawyer and get back with them in XXXX. XX/XX/XXXX. I felt like i was being presured into owning this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
For inaccurate reporting and failing to properly investigate in the allowed time frame by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I went to XXXX XXXX XXXX on XXXX/XXXX/16 to have XXXX tires installed and a wheel alignment. When I pulled away I noticed immediately that my car was pulling hard to the right and that the tires were making an awful amount of noise. I took the car back to XXXX the next day and told them that I was unhappy with the noise of the tires and that the car was pulling hard to the right. I was told that the tires being noisy was normal. The tires make a loud whining noise which gets worse when I turn. It sounds like the tire 's are rubbing against the inner fender. I checked the wheel well and saw that nothing was close to even rubbing against it. I left the car there to have the alignment corrected. I picked up the truck and again when I drove away the car was pulling to the right. I tried speaking with XXXX customer service but was hung up on multiple times. I spoke with the manager at their XXXX location and he told me that the truck was to long and tall and that none of the XXXX locations have the proper equipment to do the alignment properly. I had to go to an alignment shop which I have the receipt to show proof that I took the truck there. I ended up filing a dispute with my bank capital one. They denied my dispute and they did not give me a reason why. All they did was send me a copy of my receipt. I wrote a letter and sent it to them explaining the problem and a copy of the receipt from the shop I took my truck to have the alignment done properly. I called and they said that they were not going to look into it any further and that the dispute is closed. I did not spend {$1100.00} to have annoying noisy tires and an alignment that could not been done properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I as victim of both burglary and stolen funds from CapitalOne bank account continue to ask my stolen funds to be back. And suspect XXXX XXXX should get prosecuted to jail. 
Acct : # XXXX Amount : {$79000.00} Interest : 20 % Late fee : {$100.00} each month for 3 years = {$3600.00} Travel Expense : {$120.00} Time spent to collect funds : XXXX hours @ $ XXXX/per hour = {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Credit card account of more than {$1500.00} was paid off immediately after being sent to collections. Several months after paying off the debt, the account is still showing as an unpaid and derogatory account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I was charged a return check fee for a check written from my Capitalone 360 checking account, check # XXXX in the amount of XXXX. CapitalOne supervisor by the name of XXXX agreed to waive overdraft fee in the amount of XXXX, however, there is still an issue of return check fee in the amount of XXXX, the attached screen shot shows the charge by XXXX Bank. A deposit made prior in the amount of XXXX should have covered this check written from my XXXX checking account, however, a finance charge posted after which caused account to become overdrawn. Previously, the account was brought to a zero balance and I also had an overdraft credit line in the amount of XXXX, but that was brought to zero without my previous knowledge. No notice was received stating so, otherwise I would not have written any checks. Please advise Capitalone I need XXXX return check fee credited to my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Sometime in XXXX of 2015 I was approved for a Capital One Secured credit card requiring a deposit due within 80 days ( XXXX/XXXX/2015 ). I contacted Capital One on XXXX and processed the payment for the deposit ( {$200.00} ) and was advised it would take approximately 2-3 weeks to received my card. After a couple of business days, I realized the funds had n't been deducted from my account and I proactively reach out to Capital One on XXXX to understand the delay. I was advised the payment was n't processed due to some error. I was asked if I wanted to reprocess the payment but I wanted to be sure it would still be considered on-time as it was past the 80 day timeframe. The representative assured me it would be and so I authorized the payment from a different checking account. The funds were deducted from my account on the XXXX. On XXXX, I called to ensure funds had been received and that my application is being processed. To my surprise I was told as payment was received on the XXXX, beyond the 80 day timeframe, my funds were going to be refunded to me and it would take 10 business days. I requested to speak to a supervisor, who reviewed the account and acknowledge the company error and provided me with XXXX options, 1. submit a new application ( another credit inquiry impacting my credit ) and hopefully funds would be applied towards that application or wait until approximately the XXXX to be refunded. Both unsatisfactory options. I explain again that it was company error to no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX rewards card transferred to Capital One. Have not received new card or account number not able to pay account balance under old login and not able to pay on new account without knowing account/card number. Have been called repeatedly, XXXX times per day, and outside of normal business hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-20 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: TX

Complaint narrative:
XXXX XXXX in XXXX Texas is in Retaliation because l terminated my home and auto insurance and went with XXXX XXXX XXXX for both my home and auto. 
XXXX XXXX was cancelled on XX/XX/2015 because of insurance coverage on my home and car. 
My home and car was n't fully coverage and there was loopholes on my contract with XXXX XXXX. 
XXXX XXXX XXXX Agent XXXX XXXX XXXX in XXXX XXXX Texas educated me and fully implemented full coverage on both home and auto without no loopholes or overcharges. 
In due of respect to Farmers Insurance Agent XXXX XXXX that 's XXXX, she did n't look for my interest as a consumer and XXXX. 
I am on XXXX and Retired and on a fixed income. 
XXXX XXXX is also in Retaliation because l filed complaints against XXXX XXXX in XXXX Texas. 
I am protected under my XXXX XXXX act. 
I am not disrepecting XXXX XXXX but l had issues with them since l subscribe Home and Auto insurance starting XX/XX/2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Debt was paid on XX/XX/2015. Company posted debt as paid in their internal system. They refuse to remove the account or the past due debt from any of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received this creditcard ending in XXXX at my request.. But I never activated it to be used. Icontacted them several times to CLOSE the account, but I 'm still receivingpromotions and statements

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Advertised - 7 Years No Interest to open and current Furniture Row Express Money Card issued by Capital One. When I made my purchase I was only offered 5 years No Interest. We went to Furniture Row at XXXX XXXX XXXX. XXXX TX on XXXX and met with XXXX to purchase a Tempurpidic bed and foundation for {$4600.00} for the advertised 7 years no interest. The advertisement said " Offer available on approved singles or combined store purchases totaling {$3900.00} or more of qualifying merchandise made between XXXX/XXXX/15 and XXXX/XXXX/15 on an open and current Furniture Row Express Money card issued by Capital One , N.A . '' I have an open Furniture Row Express Money Card with an available credit of {$4700.00}. When I went to purchase I was told that they would only give me 5 years no interest. XXXX called Capital One on XXXX and said that my credit account is not in the correct tier to get 7 years and they could only offer 5 years. I called Capital One on XXXX and they said that this is Furniture Rows decision to offer 7 years not Capital One 's and I need to take it up with the store manager as they do not make the promotions. I filled out the paper work on XXXX with XXXX at Furniture Row to make the purchase by calling back in on the phone the next day after a discussed this with Capital One. I went ahead and made the purchase over the phone and received the 5 years XXXX interest. I have filed a XXXX complaint against Furniture Row. The complaint went unresolved and Furniture Row said that this is an issue with Capital One. I have called Capital One again and asked for something in writing to explain how I have a credit card that is in a different tier and can be denied the 7 years but given 5 years no interest. They said that they do not have anything in writing and offered to send me a credit card agreement. I have received the credit card agreement and there is nothing in it that states that I can be denied an advertised 7 year no interest and given a lower tier of 5 years no interest. This is false advertising that lead me into the store to make a purchase for 7 years no interest and then have it not offered to me even though I already had the approved credit card and credit limit to make the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I bought a house XX/XX/XXXX using BBVA compass for the mortgage. Since that time I have been utterly amazed at how difficult they make it to make additional principle payments. I had my XXXX mortgage through XXXX and it was as easy as you would expect, I was able to adjust my monthly auto-pay to whatever amount I want and make additional principle payments as I desired. BBVA has policies that only allow the auto payments to be the base payment/amount owed, thus limiting the amount of principle paid. When I tried to make a XXXX from my outside account, it showed up as " unapplied payment '' when I called to ask about it I was told it would switch to " principle payment '' after the next cycle, it did n't. Now I have talked with them and the only way to pay additional principle ( that is even mildly convenient ) is to cancel auto-pay and mail them checks. They told me that if I set up a checking account through them it would be easy to make payments. What they did n't tell me in that conversation was that setting up a checking account would come with it 's own headaches. So, just to simplify the issue, I think the practices/policies of BBVA compass for mortgages auto-pay are designed to dissuade costumers from making additional principle payments and I view this as an unethical policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
After my attorney sent them a letter of representation, they continued to send at least XXXX collection letters to me, in violation of state law. They also failed to respond to a letter from our state 's Department of Consumer Affairs, which was an attempt to resolve these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was diagnosed with a XXXX that rendered me unable to work and was placed on retirement status ( Federal XXXX Pension ). I informed Capital One Union Plus of this information. I even received a XXXX grant from the Capital One Union Plus Credit card during the period that I was waiting for my retirement benefits to process. Capital one said they understood and would wait until my annuity began before taking any action on the account. The federal government took over a year to process my pension. Capital one did not wait and closed my account. Several times as noted in my XXXX phone log, between XX/XX/XXXX - XX/XX/XXXX I have called Capital one to pay the account as my pension was finally processed. They declined accepting the money to pay the account and then sent the account to collections ( XXXX ) instead on XX/XX/XXXX. Both Capital one and this collection agency are reporting negatively on all XXXX of my credit reports. None of this would have happened if Capital One would have accepted the payment at the time it was offered before the account was sent to collections. I feel like these are devious and unscrupulous games geared toward harming and/or discriminating against the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Hi my name is XXXX XXXX, I had filed a previous complaint against capital one credit cards, however I have given them enough time to adjust the fradulent charges on my credit cards, however they did make a few adjustments on XXXX of the credit cards, but failed to do so on the other card, I contacted Capital One Fraud team and asked tgem to mail me out copies of all charges from credit card statements, however they did so on XXXX of the credit cards, and I found numerous of fradulent charges on that card alone, that I was unaware of, I called the fraud team at capital one to report these fradulent charges, and they never responded back to me, nor gave me a credit for all of the fradulent charges that I reported. Might I add I called Capital One Fraud team numerous of times, and they really do n't care, I also explained that I am a XXXX person, XXXX to make any out of state purchases, but they still are refusing to issue me credit, I am tired of paying them for charges that I did n't make, also on the credit that they issued on the XXXX card, they recalled some of it back, and they would never mail me a full statement on the card ending in XXXX, I would be happy to mail you all the fradulent charges that they are making me pay for.I will contact a lawyer if it 's not resolved in a timely manner.I have already given capital one months to investigate this matter, but still no response, I called oneday and asked for a supervisor on account ending in XXXX, and he refused to help me, and informed me that was n't his problem. But they are advertising XXXX fraud on fradulent charges, not true, capital one has treated me like a criminal, and has no respect for their customers, these fradulent charges has been going on since capital one issued these XXXX cards through regular mail, since I have filed a previous complaint with CFPB, capital one changed my credit cards, and now both cards has a security chip, and I have not had any fradulent charges since. But once again I have given capital one enough time to correct these fradulent charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I purchased a home, paid down the loan caught Ocwen putting Principle monies towards payment XXXX times, I moved, and rented the house out, I took out Landlord insurance with XXXX XXXX. Claim # XXXX The renters vandalized the house and XXXX gave me XXXX for damages. The check was put into my name and XXXX. I sent the signed check with all their required Docs. they received it on XXXX XXXX 2015. In their letters they say how my fist draw will be in 7-10 days, today is the XXXX, ,I called and got the run around. First I was told they did n't get the check, then they did n't get the paperwork, it was all in the same package, then I was told, '' oh we see we got the check, but we need the paperwork '' ... I told them it was all in the same package ... ..Then it was " oh lets see if we can find it '', I 'm getting the royal run around with these folks, holding up the construction and selling of this property but I 'm still making Insurance and mortgage payments on a house no one can live in!

Company response to consumer: Closed with explanation