vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-11 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX, 2015, I made a charge to my Capital One Master Card in the amount of {$48.00} to XXXX XXXX XXXX XXXX in XXXX, WV for a deposit on a lodge reservation. I called XXXX XXXX on XXXX XXXX, 2015, and cancelled our reservation, which was within their cancellation policy, and they were to refund the deposit. XXXX XXXX made the refund to my Capital One Master Card on XXXX XXXX, 2015, however ; they erroneously made the refund for {$590.00} instead of {$48.00}. XXXX XXXX tried to do a charge back for the erroneous balance but it was declined. I have been working with XXXX XXXX since then in calling Capital One to have them return their money. Capital One refuses to return the balance to XXXX XXXX. My account is currently on hold due to payment issues as I am XXXX. This should not even be an issue as Capital One is only entitled to {$48.00} credit which was the original charge amount. XXXX XXXX has told Capital One that they made the error. I am being held hostage by Capital One as they will not release the money back to XXXX XXXX until I pay my account up to date and keep it current for 60 days. This is not in any way my error and I do n't understand why Capital One feels like they can keep someone else 's money. This has been going on for weeks with phone calls and XXXX!! Capital One should return the money to XXXX and deal with me for my personal account which has nothing to do with the merchant! This in my eyes is illegal and the XXXX has thrown my XXXX XXXX putting my health in a bad place right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been using my Capital One GM card to pay for insurance for several years and until recently never experienced a problem. XXXX XXXX XXXX I received a notice from XXXX insurance that my policy had been canceled for nonpayment of premium. I immediately called XXXX for an explanation and was told that my charge to the credit card was declined which I could not understand I will tell you right up front I have an XXXX credit score and finance nothing on my credit cards. After investigating the problem I found out capital one changed my credit card account number without proper notification. I immediately called Capital One and asked them to send me a letter of explanation so that I could forward it to XXXX showing it was not my fault and they would reinstate the insurance. I was told by XXXX XXXX that she would not send any letter indicating a mistake had been made by them. I find it extremely interesting that I was still making payments I charged with my old account number and they had no problem processing it. I do not know whether this affected my credit score but it was extremely embarrassing and I find it unbelievable they are not willing to take responsibility for their action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a Capital One credit card I opened last year early summer perhaps. I knew I had a 0 % introductory APR on purchases that expired in 2016, I could n't remember if it was XXXX or XXXX. Yesterday I went looking for this info and was surprised that there was no reference to it anywhere on my statements or online profile for this credit card. After contacting Capital One I learned that this information is not available to me, I have to call in and ask about it. It appears that by not being upfront about this information they are making it very easy for the consumer to miss the date the balance would need to be paid off so they could assess all the interest charges. This does not appear to be a fair or upfront practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XXXX/XXXX/2016 Capital One sent me an email to inform me to log into my account to cast votes for my stock. I attempted to do that but got a message that read " We are unable to accept your voting instructions online. If time permits, please return the voting instruction form in the enclosed business return envelope, or contact your financial institution. '' So I contacted the financial institution to informed them of the issue and to either send me the documents in the mail and/or fix the online issue. These request have been ignored by the financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One has been uncooperative, combative, and has denied me the right to pay my final payment by check for an account that has been compromised. I WILL NOT PAY THE INTEREST. I have been wasting HOURS on the phone and have had XXXX make XXXX comments to me about who has used my credit card when it was fraudulent. I ca n't and WO N'T send them my driver 's license, birth certificate, social security card, and will continue filing complaints with the XXXX as well on this outrageous behavior. No one has bothered to contact me and I 'm sick of complaining and being put on hold, denied access and as a result ca n't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX 2016, I spoke with Capital One in regards to my issue. I explained to them that I had issues submitting my payment online, which I thought that the payment went through. I went through my bank statement and notice that it did n't go through. I went on and explained to them that I did n't want it to harm my credit because I am submitting my payment at a later date. I also went into conversing with them, letting them know that I been requested to change my due date on this credit card. I have XXXX credit cards with Capital One. They assured me that this would happen, they would change the date. They assure me that they were not going to report to the credit bureau. They accepted my payment and gave me my confirmation. Now, I am just noticing that they did report my payment as late to the credit bureau. I explained to them over the phone the other day about my credit. They told me that it should n't have been reported and that I would need to get in contact with the credit bureau. I 've gotten in contact with the credit bureau and they told me the only thing I can do is dispute this late payment. I received the dispute and looked at it and saw that Capital One did n't change anything, they kept it the same. The representative assured me that my payments reflected that I made my payments on time but on my credit bureau its showing different. This have drop my credit score tremendously. I am so upset with Capital One and I thought they were suppose to help with your credit. I ca n't believe that the representative are trained to give the wrong information. I wish someone could please fix this issue because I am really upset at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have contacted Capital One credit card three times on this matter. 

This is a dispute with Capital One. I attempted to make my payment on my account. I have never been late. The mobile app somehow did not take the dollar amount I entered, and a partial payment was made. The error happened repeatedly, but eventually showed the full payment and I thought it sent. I had no intention of making a partial payment. The payment was made from my Capital One 360 account, and the remaining funds were in there. I do n't use my 360 account for anything but making this payment, and I transferred money there to do that. 

I called and explained my situation, and the gentleman said he understood and had taken care of my late payments on capital One 's record and it would update with the credit bureaus. Please pull this call recording, or I will request the CFPB pull the recording in an investigation. 

The time and date of the Capital One employee telling me this was taken care of was at XXXX XXXX XXXX PT. 

Additionally, when on the phone for all that time, the representative failed to tell me that the payment was applied to XXXX and XXXX was still not paid. I would have paid the account that day had I known. My mobile app did not indicate this was late when I looked, and now I have two thirty day lates. 

I realize that Capital One must report the actual performance to the credit bureaus. However, based on the minimal control a consumer has if technical errors occur, Capital One should recognize my past behavior, my strive to build my credit and my conversation with them to correct this problem stemming from a technical error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Conduent Incorporated
State: PA

Complaint narrative:
Money never returned promised otherwise. Nobody even looked into my case, i have emails from numerous representives telling me many lies and controdicting one another.

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 2015-09-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One cancelled debt on a credit card and sent the IRS the XXXX but neglected to forward XXXX to me. My first notice is now from the IRS stating that an amount was not reported on my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My father opened a bank account with Capital One 360 around XX/XX/XXXX to have his VA XXXX checks deposited in. A {$100.00} was sent to Capital One as the original deposit. Capital One has refused to give my father access to the account - I do n't know why. Capital One has refused to put the funds ( {$100.00} ) back into the bank account that the funds came from. My dad had a severe decline in health and I started working with him to get the money XX/XX/XXXX. XX/XX/XXXX I provided Capital One an " Agent / Guardian Instruction form '' at Capital One 's request plus a copy of my Power of Attorney. Capital One has refused to communicate with me after supplying them with the forms they requested. It is despicable how they have treated an honorable XXXX veteran. Now to make issues a bit tougher, my father passed away on XX/XX/XXXX, but I feel Capital One still has an obligation to return my father 's money to his original bank account as there are still some outstanding expenses that need to be paid on his behalf. Capital One has been dishonest and basically stole {$100.00} from my father. I need and hope for your assistance. Thank-You PS I have attached the letters that have been sent to Capital One. The account was in my father 's name, I am his son and working this on his behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
So I went and bought a XXXX in 2015 capitol one approved me for loan do n't no if it was a credit card or a auto loan I believe a credit card so I got into a accident insurance paid for some of damages and basically I sent check to capitol one to pay off debt on XXXX they closed my account damaged my credit deliberately saying it 's because I went 30fays past due more than once but actually that 's not the reason the real reason is because I paid off more than half the debt if u check into it u will c XXXX is about when I sent in check to pay off most of debt so they closed acct these practices of closing accounts when I 'm still paying on loan should not be able to happen to consumers also I never received statements for almost a year they did n't send me any correspondence to the closing of acct

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had an active open account with capital one bank and they closed the account without any notice or even speaking to me on the phone at the current time and date that I called to request for explanation. ( see attached letter sent to Capital One Bank ). 
According to the Equal Credit Opportunity Act, creditors can close an account for delinquency, inactivity or default with no notice whatsoever. There was NOT any of this on my master card account. 
My purpose of this compliant is how badly as a customer I was treated from capital one bank representatives and they lack to take responsibility for their bad customer service. 

Please see attached documents for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
I asked my mortgage to see if I qualify to have my PMI removed from my monthly payment. 
I XXXX started this back in XXXX, I have been now told XXXX I do not qualify and XXXX I do qualify, I have had XXXX people from the mortgage company set phone appointments with me to review my case and they have never called back. The mortgage company will not schedule a appraisal, they have even told me there is no appraisers in my local area. They are basing all there numbers off my appraisal from seven almost eight years ago. I have contacted them now XXXX times and I get several answers to what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I 'm am list as authorized user on a capital one credit card on an account that not in my name but is listed XXXX my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XXXX of 2015 I bought receivers from XXXX using capital-one Credit card for {$1600.00}. The purchase was made through paypal, and the merchant and I contacted through XXXX messaging. The merchant however never sent in my full order and the order that did come in was n't as promised/advertised ( the merchandise was not only fake, but did not work ). I talked to the merchant, and they denied to refund my money. So I took it up with capital one bank, thinking they would listen to their customers. I have sent in pictures, proof of purchase, a statement explaining the situation, and overall it has been a very lengthy process, and I still have not received my refund over the time frame of almost 5 months. I find it ridiculous that I am being penalized by my credit card company for a faulty and fake transaction. I sent in everything that they requested me to send to resolve this problem, but Capital One Bank is only doing things in the merchant 's favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
It has been two months that I have been asking for verification, still have an unverified account from CREDIT COLLECTION SERVICES. I had previously disputed this account. I have never done business with CREDIT COLLECTION SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT COLLECTION SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT COLLECTION SERVICES. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After accumulating points for 7 years at capital one when I went to redeem them they told me I had forfeited my points because they had ended the program and I had not redeemed them in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is by far the most terrible on-line bank, I have ever ran into. They want to close my checking account even after getting deposits in it and take offense over a debt I believe they owe period.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 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: IL

Complaint narrative:
SKIP TRACING, SEVERAL LAWSUITS, COLLECTORS IN VIOLATION OF TCPA, FDCPA ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I got an offer for refinancing from Capital One Mortgage. I called them, they went over the terms and I requested further information. I got the paperwork in the mail, and all over the paperwork it said, once you sign this and return it, you are accepting our good faith offer. I never signed anything. I asked if I could have an extension on turning in all the documentation they requested from me, they immediately charged my debit card {$450.00} for closing the loan. I never accepted the loan or good faith estimate so this does not seem legal. When I asked the loan agent, I was told that they would not refund my money but would maybe consider reopening the mortgage but the interest rate had gone up. I then asked the agent if it would make sense to pursue a refinance where the interest rate difference was .25 % ( one quarter of a percent ). and I NEVER HEARD FROM HIM AGAIN. I did contact XXXX, Capital One 's response was that they were not changing their position and were keeping my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I canceled a vechile from mu policy with the insurance company, then they canceled my whole policy and told me it qas for non payment. The collection company has called repeatedly for this debt even though I have explained the situation. I did not receive notice of cancellation and in NJ that means I could loss my license and a fine. I have since gotten insurance with another company and tried repeatedly to get the collection company to stop calling. I have also filed a complaint with the state regarding the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 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: CCS Financial Services, Inc.
State: MO

Complaint narrative:
Credit Collection Services : This company is claiming I owe {$220.00} for equipment and services to XXXX. 

I have never had a direct bill with XXXX, that was handled by my lessor, XXXX. I borrowed equipment at a cost of XXXX per month starting in XXXX, and that was returned by XXXX XXXX. 

The agency is requesting a receipt for the equipment saying that it has not been returned- I called XXXX XXXX XXXX 's XXXX on XXXX/XXXX/XXXX and spoke with XXXX XXXX she said they do not have any information on this purported debt under my name. 

Also if this debt were to be true, XXXX has never contacted me before CCS started calling -- leading me to believe it is a debt wrongly created and sold/passed on to another collection agency. 

Credit Collection Services has no evidence of these debts, just XXXX lines reading : SERVICE AMOUNT XXXX VALUE XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
The debt belongs to my ex-husband ( divorced 18 years ). He died on XXXX XXXX, 2016, therefore, he has not been paying his bills, because he is dead. 
I have explained to these people XXXX separate times, that I have nothing to do with my dead ex-husbands debts. I know they did an internet search for a related phone number and they focused on mine, as I am the only XXXX with a landline. My name nor phone number was never on his account, as he continued on with his life independently of myself. 
I have also told these people that, I am on the " Do NOT Call '' list and, they need to remove my phone number from their call list, especially since I had nothing to do with my ex-husband 's finances. They have refused to remove my number " unless an authorized person states it should be removed ''. I told them Good Luck with that, unless they can communicate with the dead. My dead ex-husband being the only authorized person on this account. 
I have also told these people XXXX that, his adult children will fax his death certificate to them, this Monday, XXXX XXXX, 2016, when they return to work. They continue to incessantly ring my phone and disturb my right to peace.

Company response to consumer: Closed with explanation