vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One has continually tried to keep extorting me financially. In their recent discovery they sighted an error on their part and claim to have adjusted my account by a {$150.00} in XX/XX/XXXX and that at the time of the error my account should have been reinstated and monthly billing statements should have commenced. 

However, instead of reinstating my account for a monthly billing statement to be sent to me monthly, they again falsely claim that they never received payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 ( for the record, XX/XX/XXXX has been paid too ) which are all false and fraudulent. Then, they have asked me to pay them {$1200.00} from know where. Plus, tag on late fees, and something else called " Other fees '' ( XXXX idea what " Other fees '' mean. And, it should n't not be added to me ) As prove, I have attached prove of checks paid, received and cashed by Capital One for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 The same months they claim they never received payment. 

Hence, I ask that Capital One adhere to they following : Remove all late fees charged to my account deliberately by them, as my payments were made and on time for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 Start sending me monthly billing statement to ensure accuracy Credit my account appropriately for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 and send prove of credit applied to the account. 

I strongly believe that this banks actions are intentional. No bank in the world can make this much mistakes on XXXX account unless its intentional. Therefore, the bank can not claim that it was another unintended mistake. Either way, if the bank has this many incompetent people working for them, then it 's worth the XXXX taking a closer look at their practices. I am pleading with the XXXX to really zoom in on this banks activity. My case might and will not be the only case with such challenges. 
Please find attached, prove of payments to disprove their claim of none payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was charged a late fee for paying too early. In XXXX 2015, I made a credit card payment to Capital One. The payment arrived at Capital One on my statement closing date, so instead of applying it to the correct statement, they applied it to the previous statement and declared me past due when the payment due date arrived. I was charged a late fee and had my account suspended even though I paid EARLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One charge my credit card XXXX for a Returned ACH Card due to an Auto Payment. I never set up Auto Payment and never agreed to Auto Payment, and now they are refusing to reverse the XXXX Charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-31 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I applied for a Capital One Platinum card XX/XX/XXXX and was approved for {$500.00}. The card is advertised as one for consumers with bad to good credit that need a card to bolster their credit history and score, and that 's what I did. Since XX/XX/XXXX, I have consistently requested credit limit increases, and have been denied. I have received XXXX increases in XXXX years, XXXX for {$250.00} and XXXX for {$1000.00}, the last being XX/XX/XXXX. Since then, when I request an increase, I am given various reasons for the denial and I have attached the documents. The last time I called and talked with an Account Manager, I was told that I need to use the card and then I would get an increase! I think this is totally unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Account ending in XXXX and XXXX. Please Investigate Dispute {$840.00} ( An unaccounted Amount ) Error Charged to My account ) and the over the limit, late charges and fees as a result of fraudulent in XXXX XXXX. I Have XXXX. I am XXXX. Please Help Me and Solve This Problem. 
My statement for XXXX XXXX was {$1100.00}. Some one in XXXX made fraudulent charges. These charges were never removed successfully. After the fraudulent charges were removed, you still have me owing XXXX on the XXXX, XXXX statement and {$1800.00} on the XXXX XXXX statement. How is this possible when no additional purchases have been made to this account and the amount before this incident occurred in XXXX XXXX, I only owed {$1100.00}? Some one in your operation fraudulently charged this amount to my account. I should owe no more than {$1000.00}. 

My Request 1.Remove the more than {$800.00} in unaccounted for fees that appear on my XXXX and XXXX XXXX statement as requested above. 
2. XXXX XXXX Statement Stop charging me late fees and over the limit fees. One of your agents caused the over limit fee when those erroneous charges were allowed in XXXX XXXX Do n't charge me for your mistake. Also my account balance should be no more than {$1000.00} when you remove the hidden charges ( {$800.00} + )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I made payment arrangements on XXXX XXXX Calls started up on XXXX XXXX I returned one call to explain payment arrangements were made. Supposedly it was n't documented correctly and she fixed it. I received another call. She said she would make sure the number was removed and it would n't be a problem again. A third call was made- again the claim that it was not documented correctly. This is harassment. I owe less than {$260.00} and said I make the payments until the debt is settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In regards to Case number : XXXX. What they 're telling me is not an ethical solution. I am not going to be paying interest on a card for 3 months that ca n't be used. There is no such clause. Nor is it legal. Now if they want to cancel it they cancel the balance as well. I am paid up. They are fully aware of what transpired. Furthermore the balance is incorrect. There have actually been balance issues all along as far as the monthly statements go. I called a XXXX who left a voicemail. She never returned my call. Today I received your email with their resolution of 3 months of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I was ask by a store employee to open a kohls department credit card and they have really been difficult to deal with they harrased me when it came to pay my payments and i was not allowed to return the items that i purchased back on my credit card and they also gave me instore credit instead of putting the return items on the card and when i return something they gave me less and i was upset about this some of the items are really cool. They also had issues with pricing the items. alot of my payments i made on due date and they would say it was not on time and then they try to put me in some hardship program which really did not help the consumer at all and you were receiving late fees and other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
It has been reported on my credit reports that I have an account with Capital One bank that is not my account. I received a letter from Capital One bank stating that they purchased the account from XXXX and that this is my account. I contacted Capital One Bank again today online and when asked to verify my birth date they stated that was not the birth date on my account. The reason is because this is not my account. I have previously had accounts with Capital One that have been paid ans closed. I never had an account with XXXX. This is not my account and I would like this information removed from my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one could n't find a record of the card in question

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was contacted by a Law Firm ( XXXX XXXX ) in regards to a debt owed to Capital One Bank. 
I immediately notified them that this was not my debt and that I would like verification. ( Proof of fax receipt enclosed ). They then sent me a copy of a Capitol One Statement with a name XXXX which I am not and have never used. Included was a typed letter with a notary stamp ( not raised ) that named not XXXX. But me with my address. I can only assume this is a deceptive practice used by this firm. 
I sent them another response stating that this was not my debt. They filed court action and I would not sign for the registered letter because it was addressed to XXXX. Shortly thereafter I received registered mail with the XXXX removed ; I can only believe this to again try to deceive me into paying a bill not owed. 
I have contacted Capitol One Bank at XXXX and after they asked my birth date and last XXXX I was told that it is not my debt. I asked for proof and they said they would not share that because it was not me they were collecting from. I told them about the suit being brought and the response was just tell them it is n't you. ( Conversation all on tape ) If I could find out that easily, I would expect a law firm to do the same. 
I was told by the superior court ( Docket No. ) that I have to pay court costs to respond to this phony lawsuit. 
I just received another letter in today 's mail ( XXXX ) telling me to pay the bill because I am being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX I bought a car from XXXX XXXX XXXX, CA. Iwas a co-signer on a friends car and they let me purchase a cacar but I had to have that friend to co-sign for me and he wasretired. The interest rate was 23 or 24 % I took the car backnext day and told them I did n't want to purchase the car andthey would n't take it back or give me the down payment backCapital One financed the car I called and they told me theycould n't do anything about it. I have struggled to keep payingthe note. I had XXXX years pay off the car XXXX for aXX/XX/XXXX XXXX I just had to file chapter XXXX I did n't know whatto do Capital One could n't refinance the and no one elsewould neither. I already had bad credit and now it 's worseI just filed chapter XXXX in XXXX XXXX I feel like they should besending me the pink slip to the car in XXXX the car soldnew for XXXX. I have to surrender the car now theyshould be a shame of themselves to do people like thatI got played but I prayed for the enemy and now I 'm movingon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit cards were stolen XX/XX/2016. When I called into Captial one regarding the issue, I was advised that the case had been created and a case specialist would follow up with me within XXXX business days. Once the month of XXXX was up and I did not hear from capital one, I called the credit card company to inquire about my case and was advise the " case had not be opened '' by a representative by the name of XXXX on XX/XX/2016. After I was told the case was not initiated, I asked XXXX to created the fraud case for me. Again, I was advised to wait 10 business days and the case specialist would contact me. 

I did not hear anything by XX/XX/XXXX, so I called back that Friday, XX/XX/XXXX, spoke with someone by the name of XXXX who claimed to be my case manager. I explained the situation to XXXX and let he know the changes from XX/XX/XXXX were fraudulent. She explained that she would need more time to investigate and would contact me in 10 days and I would be receiving a letter in the mail She explained the process and said I would receive a credit in the balance that was fraud. She also claimed that a new card for each account would be sent to me. 

After a week elapsed, there was no credit card. It is now XX/XX/XXXX. I reached out to capital one and was told that card was sent and maybe it is taking a little while to reach me. After another week, I called to have the cards that were sent as replacements canceled and to send another set of replacements. 

( While experiencing this issue with not receiving cards, my account was not credited during the entire month of XXXX ). 

XX/XX/XXXX, I was able to speak with XXXX again and was told that the investigation was still be processed and that I would hear back in 2 weeks. 

In on XX/XX/XXXX, I called back to have checked the status of my accounts and inquire about the location of my cards. When I was routed to customer service the agent asked me to verify my mailing address, which I provided every time I called in, and I advised my cards has been sent to the incorrect mailing address twice. However, since my cards were being investigated, he was unable to process the replacement and I would have to speak with my account manager, XXXX. After being told this, I asked to speak with here to which I was advised she was unavoidable and would give me a callback. 

The rest od the month of XXXX consisted of me calling Captial one to figure out what was going on with my account a trying to get in contact with my account manager. All the while, capital one is charging interest and late fees. 

I spent XX/XX/2016 calling into capital one and being transferred to different departments, so much so, I was unable to keep a record of the calls and dates. The frustration and time spent has been colossal. 

I was and still am unable to get in to contact with XXXX ( XXXX ) and my credit score is being affected by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One advertised it 's SPARK credit card as " ..the opportunity to build and strengthen credit for your business.. '' ( I have copies of the web pages from XX/XX/XXXX & XX/XX/XXXX ) This statement and benefit was advertised on it 's website as recently as XX/XX/XXXX. XX/XX/XXXX, on we applied for a SPARK for this very purpose. We provided XXXX name and the XXXX for our business. 2 years later, after many calls to Capital One and being told repeatedly that they report credit for XXXX as well as the primary cardholders personal account, we were finally advised - truthfully - that SPARK does not report to any business bureaus and only reports credit under the personal SS # of the primary cardholder. Our company, XXXX XXXX XXXX, XXXX has just wasted 2 years only to learn that by using the SPARK card we have not built or strengthened XXXX ' credit at all. This is not a business credit card. It is a personal credit card that allows the cardholder to include a business name on the face of the card. If we had been told the truth initially when placing the application, we would not have requested this card. I have personal credit cards. This has caused harm to our business as we now must start over and find another company and because of lack of credit history we are not able to obtain important tradelines for XXXX. Both XXXX and SBA counsel small businesses to establish separate tax ID numbers for businesses in order to establish credit in the business ' name. Capital One takes the business name and business tax ID information and then ignores it. This is misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I opened several CD 's of varying lengths with USAA Federal Savings Bank. 
I was told that if I had to close them early, I would have a penalty. I asked how much the penalty was and was told that it depended on the length of the term of the CD. 
But in no case would the penalty exceed the amount of interest accrued on the CD. 
I called today to close the CDs, and was told that the penalty would be over {$5000.00} on an account opened less than five months ago. I told them this is not what I was told but they refused to waive the fee even though they acknowledged the representative gave me incorrect information. 

Ive been a customer of USAA for over 33 years, I would not have placed the amount in an account for a long term had I known that the penalty would include principle. 

I can understand charging a penalty for the interest accrued but not for the principle balance of the CD. Especially when they admit the representative gave me incorrect information. 



I have spoken to several people at the bank and they acknowledge that the represenative

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
To whom it may concern ; This is now my XXXX attempt to get resolution to my multiple concerns. I have already filed ( XXXX ) CFPB complaints ; Case # 's : ( XXXX & XXXX ). First and foremost, whomever is to receive this complaint please read the previous complaints so that you will have a good grasp s to what has been going on these past two weeks. 

I have been dealing XXXX XXXX XXXX at NFCU throughout last week. The last time we spoke was on Friday, XXXX XXXX, XXXX. At that time, he had agreed to at the very least have my 30 day late removed from the credit bureau 's and to find a way to stop additional reporting on the XXXX account in question until the investigation of my complaints have been completed. I told him that I was willing and able to come in to a branch a pay my minimum payments of {$330.00} x XXXX ( XXXX, XXXX XXXX & XXXX XXXX ) to total {$1000.00}. I came up with this amount per the Declarations page line # XXXX. In return, he was supposed to get the authority to have the 30 day late removed and to stop further reporting. XXXX XXXX told me that he had a meeting this past Friday at XXXX EST and that he would be getting back with me after this meeting. I have yet to hear from him concerning the status of everything that has been discussed. 

Furthermore, as of this past Friday, XXXX XXXX, XXXX I called and spoke with XXXX Fraud department to let them know of what was going on with NFCU and that I wanted to dispute my not being late and the effective balance and monthly payment that was reporting to XXXX as inaccurate and additionally based on unauthorized transactions. XXXX at that point filed a dispute on my behalf under the Fair Credit Billing Act which in turn is supposed to immediately stop reporting all data attached to this trade line until NFCU has had an opportunity to investigate further. 

XXXX XXXX is also under the impression that NFCU has up to 60 days to respond to my CFPB concerns, which is false under the circumstances I have brought forward to NFCU. At this juncture, I simply can not understand why I have been dealing with this for the amount of time I have with NFCU and yet there is still no resolution and not even remotely any consistent conversations with me as a customer. I continue to be told that I will be called back with a " status '' but this has yet to happen. 

Unfortunately, today is now XXXX XXXX that is reporting my being late with this account and is the last day that we can move forward without irrevocable harm to my credit. How much effort should a customer have to bestow to the creditor in order to pay a debt that is deemed the ethical and more importantly legal amount owed on a monthly basis? 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I contacted Capital One to pay the balance of a credit card that had been charged off in 2010. I was instructed to speak with their legal council ( which I did ) and was offered a settlement amount. I was told that upon receipt of payment, Capital One would update the balance of the credit card to {$0.00} and that the account would be considered paid in full. I was also told that the judgement that had been entered against me would be removed. Neither of these actions has been taken and the credit reports with all XXXX bureaus still list the account as having a {$4200.00} balance and lists my credit utilization as 117 %, which is not correct. I disputed this balance and received notification from all XXXX credit bureaus that Capital One had reported the balance as {$4200.00} even though I already made the payment and they agreed to mark the account as paid in full with a {$0.00} balance.

Company response to consumer: Closed with non-monetary relief