vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Last month i disputed a transaction on my capital one credit card against XXXX XXXX for {$130.00} and for {$150.00}. Capital one gave me credit for it, at the same time Capital one will conduct a investigation which i understand is a standard procedure. Few weeks past and Capital one send me documents supporting XXXX transaction. i was given ten days to reply by Fax, I did and said none of the documents support that I " XXXX XXXX " authorized the transaction, no location, nothing imply. Capital one re bill me for these transactions, I try to email them asking when will these transaction be credited again but sadly the answer was we dont know. I did not made these transactions and i would like to be credited again. Attach are the documents from Capital One and conversation we had

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Already one complaint against capital one Bank account XXXX is on file report was made on XX/XX/XXXX this account maliciously report false information to my credit report knowing my situation ; the cpfb report # is XXXX. Futhermore they continue doing it now through a third party debt collection agency XXXX which report to my credit report last XX/XX/XXXX for the sum of {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I contacted Kohls in regard to my checking account being compromised and wrote checks on my account to pay for purchases and the checks had returned on my Kohls credit card I informed the company of the information and my account closed without my knowledge after I informed the company to rectify the issue and the account kept accrue interests and late fees even after it was closed and Kohls failed to contact me to help me resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: LEXISNEXIS
State: TX

Complaint narrative:
I disputed my XXXX report via certified mail in XX/XX/XXXX and Also XX/XX/XXXX CFPB case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have made attempt to contact Capital One for over a year in regards to my account. I spoke to a representative a few months back and asked her to send me the information they used to report my account as a charge off to the credit bureau. Instead of sending me the information, they sent me a form to fill out. I sent the form back twice and they never sent me the information. They have yet to verify the information that is reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been disputing inaccurate information that is reporting to the XXXX major credit reporting agency 's in regards to my capital one account. It is reporting as having a late payment. ( which I never was late in paying ). Recently I requested my interest rate to possibly be lowered. Capital one lowered the interest rate and sent me a letter that I would receive {$24.00} credited back to my card due to the lowered interest rate. I viewed the statment and it is showing as a late payment reversal fee. I contacted capital one as I explained that I was not late with my payment and have not received the credit back to my card they had promised. I was told that on XXXX/XXXX/2016 there was a credit for {$24.00} and on XXXX/XXXX/2016 there was a credit for XXXX cents. I explained that this is very confusing because showing on my statement it is showing as a late fee reversal. I also asked why in XXXX the XXXX then in XXXX the XXXX cents. I was told this is the credit that I was to receive for the interest rate. This is very mis-leading as it shows on my side that I was late and they gave me back the late fee. This is wrong information and also very confusing. I am submitting this complaint because I was not happy about seeing a late fee credit when I was not late. It should be listed on the statement a credit due back for lowering interest rate. This is very diseving. I am submittin this complaint because capital one is reporting that I had a late payment last year ( which I did not ). Having this deragatory remark reporting on my credit reports is affecting my credit score in a negative way. After seeing today how my statement read an untrue fact is quiet concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I attempted to open a saving account with Capitol One online this morning. The online site referred me to a security phone service personnel who refused to accept my saving account application, but more importantly they also refused to provide any basis for their action. I do n't understand how a request for a simple saving account involving no line of credit or check writing privileges would be turned down, particularly that my credit rating is quite high. Moreover, I thought I had protection from secret personal credit information by Federal and State statute. As of now, I do not have the account I applied for and I am left with questions about totally unknown personal information held by this bank that they will not reveal. I do n't know if this will happen again or how it will effect my future relationship with other banks or credit bureaus or how it might effect my future employment prospects. It seems XXXX has a practice of secret dossiers on consumers. I have no doubt that whatever they think they know about me is wrong, but I have no means of correcting the record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One advertises Cash rewards -- however and whenever you want themWith Capital One ( XXXX ) cash rewards, there 's no limit to how much you can earn and no minimum requirement on how much cash back you can redeem. Also, your cash rewards do n't expire and can come as a check, account credit, or gift card. However after reading Your No Hassle Rewards Program Terms & Conditions, consumers are subject to : We reserve the right to alter, change, or terminate this rewards program at any time without notice. Redemption values vary and are subject to change without notice.This is misleading and contrary to their term " NO HASSEL REWARDS '' and it should be disclosed or not allowed on their applications page!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In XXXX 2016, our home in Louisiana flooded. We have flood insurance but our mortgage company will not disperse the funds because we are self contracting our home. With this disaster there in limited qualified contractors available and my husband has been in the construction field for over 25 years. It would be senseless to pay someone to repair our home when we can do it and do a better job. The State of Louisiana law states a person can self contract their own home from the ground up or remodeling, one home in a years time. My mortgage company, Capital One, is telling us we can not do our own repairs. We have already started our repairs even before we received our insurance check. We were not going to let our home sit to grow mold. I have gotten so many different stories from Capital One that I do n't even know what the truth is? I was told that XXXX is the reason we can not self contract but what is funny to me is, we did a conventional loan, we did n't do a government funded loan. How can XXXX tells us what we can do? Just yesterday I get another call from Capital One telling me that XXXX wants letters of recommendation from people who have seen my husband 's construction skills. This call comes AFTER we were told we could not self contract!! On XXXX XXXX, we called for an inspection. The inspector came out and told us we were at 40 % with our repairs and we have yet to receive a check. I told the representative who called yesterday for my husband 's references to look at the XXXX pictures the inspector took of our home to see if he is qualified to do repairs she did n't have a response. My husband and I have been paying for the repairs out of our savings, just so we can get our family back in our home. We are running out of money!!! I have pleaded with Capital One and still no results. I can not understand how a company can have control over OUR INSURANCE MONEY? We pay our insurance premiums and we can not have OUR money?? 
By the way we did hire a painter contractor, paid them some money and have n't seen him since. This is why so many people in Louisiana have chosen to self contract. Contractors flew into Louisiana to prey on the flood victims, this is a disgrace and so is Capital One for not giving us our money to complete our repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Following up, now for a second time, Capital One 360 refuses to complete transfer of my IRA accounts to XXXX Bank. You responded by email to my original complaint XXXX to you, writing that Capital One claims to be investigating. Since they began investigating, they have refused AGAIN to make the same transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
capital one I asked to have my credit limit lowered. They said they could not lower it. My limit is almost XXXX and this affects my credit as I am not using the line so have a low utilization. They said their contract with jordans the furniture company who I set up the account with has expired. 
However they are the group still managing the account so are responsible for the credit limit reported to the credit bureaus. I said they are reporting incorrect information as the line is no longer available to be utilized yet it is having a negative impact on my credit rating for not being used, i.e. the low utilization rate. Please tell capital one that they can not report inaccurate information that negatively impacts the consumer. This leads to me being charged higher interest on any new cards. I spoke with XXXX who hung up on me on XX/XX/2017 at approximately XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
HelloCapital One took me to small court in XXXX Texas, court dismissed case, capital one attorney discover it 's fraud account, capital one will not take it of my credit bureauI do have certified letter from court, please what is my optionsmy name XXXX XXXX XXXXXXXXXXXXphone number XXXX XXXX XXXXTHANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have an unauthorized and unjustified hard inquiry on my XXXX, XXXX, and XXXX credit report from Capital One Bank. I called capital one executive office in regard to the unauthorized hard inquiry that is reporting on my credit files and I was advise to allow 7 business days that someone will call me back in regards to the issue. It has been over three weeks, and I have not receive a call back from capital one or received any correspondence from capital one, and the unauthorized hard inquiry is still on my credit report. Now I have a fraud alert on my credit files since XX/XX/2014 and yet still capital one was able to place an unauthorized hard inquiry on my credit report with the major credit bureaus. Capital One Bank had initiated a fraudulent inquiry into my credit report without my written authorization. This breach is in violation of my privacy Act, where it is evident that employees of Capital One Bank made unauthorized inquiry into my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I was previously insured with XXXX XXXX XXXX. Due to unsatisfactory service with XXXX XXXX XXXX I cancelled my auto insurance coverage with XXXX XXXX XXXX in XXXX 2016. I am now receiving a bill from Credit Collection Services for {$27.00}. This is the first I have heard about any past due amount. Plus when I cancelled my policy with XXXX XXXX XXXX, my account was current. This is a debt I do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My XXXX Aunt went into your Capital One bank in XXXX, NY in XX/XX/XXXX. She had an IRA Annuity from XXXX that was issued in XX/XX/XXXX. She indicated that she wanted a fixed income for life. Instead of annuitizing her existing contract which was paying a higher annuitization rate due to the fact that it was an older contract issued when interest rates were relatively high, the Capital One agent, although the objective was current income, put on the financial profile that liquidity needs were low and she had a 9+ years time horizon. I do n't know of any XXXX with that kind of investment time horizon. Liquidity was paramount. On the Regulation 60 the reason for transfer was " need for Lifetime income ''. And they said " the reason the current contract could not meet the client objective : " it is a fixed annuity ''. In fact, the existing annuity could have provided a higher annuitized amount as it was an older contract, issued when interest rates were higher. A fixed annuity that was 11 years old could ( and should ) have been annuitized as it would have paid a higher rate of return. To make matters worse, as an IRA from which Required Minimum Distributions had to be taken, by using an immediate annuity, she is being forced to take much more than the required amount, therefore pushing her into a higher tax bracket and causing her Social Security to become taxable as a result. Nothing was done for the benefit of this woman. Because of their greed they put her in a very bad position financially. The only reason for exchanging the annuity was to put a commission in the pocket of the agent. This is taking advantage of Seniors at the least. At worst, it is FRAUD. The contract never should have been approved for sale under these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am being charged a late fee for my XXXX XXXX 15 car payment when my car payment is not due yet. My car is financed with Capital One Auto Finance and I have paid my car payment on the XXXX of each month for the past year and was not charged a late fee. I paid my XXXX XXXX 15 car payment on the XXXX along with the late fee that I was charged. I understand why I was charged a late fee on the XXXX XXXX 15 payment because I paid my auto loan on the XXXX instead of the XXXX like I normally do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-31 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been sent several preapproved status card offers from Capital One. So, I finally submitted the application online with their reservation number provided. They sent me a letter claiming they tried to contact me but were unable. That is not true. They never attempted to contact me. I sent them legible copies of my identity, utility bills for my current address, and my current phone number. I never heard from them again. I want their hard credit inquiry off of my credit file if they are n't going to actually look at my identity or actually contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a Capital One Credit Card and filed a dispute claim with them regarding an unauthorized charge of {$210.00} from XXXX Rental Car. They credited my account and then charged it back XXXX XXXX, XXXX at XXXX XXXX stating that XXXX Rental Car responded with screenshots from the internet that show NO authorization from me. I was appalled and replied on XXXX XXXX, XXXX to further dispute with a SIGNED statement from me that I did not rent a car, nor made any reservation, and closed my account. They acknowledged that they received my documentation on XXXX XXXX, XXXX at XXXX and that was the last correspondence I have received from them. 

On XXXX XXXX XXXX I engaged in a Chat session only resulting in continued false promises. 

The charge is still on my closed account and is being inaccurately reported to the XXXX Credit Agencies. 

I have made multiple calls to them to resolve this issue only to be passed around to multiple representatives that do not speak correct XXXX and have difficulties understanding what I am saying for over 30 minutes to over an hour each time with continued false promises of resolution that has yet to be resolved. 

When asking to speak with a US customer service representative that speaks XXXX as a first and primary language, I am transferred to another offshore representative that does not speak XXXX as a first and primary language, which continues until I am at my wits ends. 

I would like assistance from the Consumer Financial Protection Bureau to resolve this issue with Capital One and XXXX XXXX to resolve the unauthorized charge and with the XXXX Credit Bureaus to remove the inaccurate information from my credit reports.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have sent the loan modification package multiple times and CapitalOne Loss Mitigation team either is not processing the documents or keep losing the entire packet. I have sent them everything they required and now they 're telling me they have closed the file to do loan modification for this loan. I 'm very frustrated with their response, lack of customer service, and knowledge to be handle documents to process this file. I do not have a single point of contact for this request/process as each time I call I 've to re-explain the entire situation to a new person wasting more time and effort. Also, they only accept documents via fax/mail and I have no idea that my sent faxes are being received/processed so I have no way of confirming. This entire process has been an ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I over paid Capital One in the account by {$700.00} and they will not send me a check for that amount. I asked for the check and closed my account. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I made 3 payments to my credit card XX/XX/XXXX and the last one was after my due date to be applied for the next month it was never applied and I was charged a late fee when I spoke with a supervisor for Capital One by the name of XXXX she explained to me that it was not within my billing cycle and it will NOT be accepted for the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XXXX/XXXX/XXXX I applied for a credit line increase on my Capital One card. I received a letter from Capital One that states they are unable to increase my credit line right now due to my credit score. On the disclosure it states that my credit score was pulled on XXXX/XXXX/XXXX which is more than 90 days ago. I called in and spoke with a customer service representative who told me that if that was n't my score I needed to dispute it with XXXX. I explained to the customer service rep ( XXXX ) that I am aware through prior conversations that Capital One only does soft inquiries every 45-60 days or so, but it takes some time for it to populate to the credit line increase system. I was looking to find out when the next set of scores were going to populate as my Capital One Credit Tracker service has shown since XXXX my credit score has gone up allot and I believe based on my current credit scores that I would qualify for an increase. He told me that my billing cycle is every month on the XXXX. At this point, he clearly did not understand what I was asking so I asked to speak to a manager ( XXXX ID # XXXX ) who I explained the same thing to. He told me that on the letter there is a number for Equifax that I can call to dispute my credit score at. I again stated " Your letter says CAPITAL ONE obtained my fico score on XXXX/XXXX/XXXX that was more than 90 days before I applied for the increase, I already have a copy of my updated score and it has gone up significantly, I would like to know on what day your system is going to update '' he responded that it depended on my dispute. At this point I was frustrated with his lack of knowledge, being a manager and not knowing basic Capital One policies is unacceptable to me as a client. It really does n't give me comfort knowing that a manager at capital one doesnt understand what I am asking or have any idea what I am talking about.

Company response to consumer: Closed with explanation