vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
CapitalOne360 is not sending me money from my Mothers estate. I am the executor and have submitted all the paperwork. They claim XXXX check was sent in XXXX to my old address but it never came. They wanted to charge me {$25.00} for a stop payment. When I asked for proof it was ever mailed, they agreed top send another. I gave them my new address, which they already are sending mailings to, but they claim the new check was mailed on XXXX XXXX give or take a day. Never arrived. 
The other account is an Individual account that required a Letter of Testamentary and an Affadavit of Residence. I sent them. They said one was n't notarized so I sent it again. In XXXX they sent an email saying the check would be sent out. It was n't. 
Every time I call, I get different people who apologize profusely, promise to fix this and nothing gets done. No follow up calls, no emails. The last time they emailed me was to say the check was being drawn upo. That was XXXX. You can no longer log into the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I just find out that I have an account in collection without my knowledge and also received some collection calls on my cell every hour of the days. I am getting treated and intimidate by this calls. I already filed one time for Bankruptcy and I regret it. I do n't want to have to contact an attorney and filed a complaint about this calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a call from XXXX fraud department on XXXX XXXX 2015. They wanted to know if I am happy with my purchase, I told them I never ordered any tickets from them. 
I then immediately called. Capital One and told them there has been unauthorised charges on my account. They told me they will investigate and remove the charges. 
The unauthorised charges are for {$910.00} and for {$52.00} I was told the unauthorised charges for a total of {$960.00}, will be removed from my account. 
Lo and Behold when I got my billing statement it says I owe {$730.00}, this is in error, my total legitimate charges are only {$180.00} and that is what I was expecting to be billed. 
Capital One sent me a billing statement that is very difficult to understand. The billing statement is very confusing and it is wrong and in gross error and very deceptive, I DO NOT OWE {$730.00}, all I owe is {$180.00} AND THAT INFORMATION IS NOT ON THE BILL STATEMENT. 
Capital One is being very deceptive, and they now have very very poor customer service, out sourced to XXXX. 
I want Capital One to send me a proper bill with the correct amount of {$180.00}. in the new ballance area. 
Also I no longer wish to use their credit card. Capital One sent me a new credit card, but I refuse to activate it, as I no longer want to associate with a shady company such as Capital One.

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

Complaint narrative:
I have contacted capital one several times and have gotten absolutely nowhere. Someone applied for an account in my name XXXX XXXX, 2016. On this date, I was contacted by capital one asking did I apply for an account I let them know I did not. They verified the last XXXX of my social as well as my name and date of birth. After I spoke with them I placed a fraud alert on my credit report. On XXXX XXXX, 2016 someone tried to applied for a capital one card in my name again ... this time I was never contacted even with the fraud alert on my account. I was told by XXXX my dispute was declined and I would have to contact the credit companies and get something in writing from them. For the past two days ( XXXX ), I have talked to at least XXXX reps from multiple departments in which some have been sympathetic and understanding while others have insulted my intelligence by asking XXXX questions like " Are you sure you have n't applied for a capital one account? '' As well as stating they will be transferring me to a " correspondent '' and instead staying on the line and just changing their voice. I have lost count of how many times I have provided my personal information and have been told they can not find any applications that were placed. My social is associated with m credit report ... so how is that possible? All I would like is for the hard inquiry to be taken off of my account. It amazes me how someone can so easily steal information and apply for credit cards but to correct the issue, the VICTIM is taken through XXXX and back. I just want a solution and to NEVER be associated with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
It has been several years now, I did n't know about the CFPB at the time, my sister and I had inherited our grand parents house a XXXX family building. We were fixing and selling it, in the mean time she had found out XXXX, on the same day she got notice to appear in court for a Capital One credit card that she had fallen behind on cause she was being treated XXXX and not able to work XXXX The XXXX on her mind she had forgotten about it and no one else knew about it. She had signed the house over to me to cover a loan we had on the building for down payment on a house she was getting with her daughter. She passed away about a year later, we finished on the building and put it up for sale. We had gotten a buyer and when we went to close found out there was a lean on the building from Capital One for the loan my sister owed, well her loan started out at about {$2000.00} and at the closing was over {$5000.00} and had to pay before we could close on the sale. We knew nothing about this and was never notified about the lean if we had been we could have paid off the loan earlier. When we called and talked to the lawyer that was handling the loan he said they did n't have to notify anyone, if we had n't sold the building when we did they would still be adding interest to the loan and we would n't have known about it. My complaint is that people should be notified about these leans when there are more than one name on a property cause if we had n't sold that house till 20 years down the line can you imagine what the amount of interest would have built up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Contacted me on XXXX/XXXX/14 via and did not inform me that it was an attempt to collect a debt with threats to garnish my wage. I have been making payments on a monthly basis since XXXX 2014 to current in a timely manner and they have not reported payment history to credit agencies. I have been charged interest in addition to the original debt owed. Since the year started I have been weekly letter from the company as a reminder to make payment by the XXXX of the month and just made a payment the week prior. My monthly payments have been paid in a timely manner via online account through the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
paid off XXXX cards with a settlement now they still show late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Conduent Incorporated
State: FL

Complaint narrative:
Not receive the right amount of money each month on my cards I know it are fraud going to report it to law system

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
Consumer complaint received 2016-10-02 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a customer of Capital One also known as Capital One 360 for 11 Years. I 've paid balances in full, always paid on time and I have a good credit score. I am confused as to why is it that I can ONLY get a credit line of XXXX- I started at XXXX, then XXXX now XXXX. I have other credit cards with a higher credit limit, and I have been with those agencies for far less time. Secondly, I have asked for my APR ( urrently currently 19 % ) to be lowered, only to be notified that I did n't qualify ; because there were no promotional offers at this time says, a supervisor at Capital One. 
If there were promotions, how is that I was n't notified by mail, call or email? 
There is something grossly wrong with this picture.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XXXX 2016 I had a secured credit card through Capital One that was closed. After application of the security deposit it left a balance of {$35.00}. While the account is being reported to the credit reporting agencies as closed a recent review of my annual credit reports reflects that Capital One is reporting the account in a derogatory status ( " past due '' ). A review of my statements from Capital One shows that while the account was closed and had a balance due I am still being assessed past due fees and interest. As of my most recent statement I have been charged in total {$55.00} in fess and interest. My new balance is {$91.00}. Additionally, my most recent statement states that my account is suspended.. I spoke the account representatives and a supervisor by the name of XXXX who stated that since the account still has a balance despite being closed the system reflects it as being suspend. However, I am requesting a review of this account status as a closed account should not be considered suspended. Suspension denotes that the account is active. How can a closed account be considered suspended? My most recent statements reflect I have a credit limit of {$200.00} and a cash advance limit of {$100.00} but no available credit for either. How can I have a credit limit of {$200.00} and a cash advance limit of {$100.00} when the account was closed? Additionally, I am requesting a regulatory review of the fess and interest charged for a closed account and reporting of derogatory information for a closed account to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I saw Capital one commercials that blank the national TV about XXXX dollar spending for XXXX miles. 
However, these miles are not equivalent to any miles used by airlines ( reward earning by flying ). This should constitute the AD is a false advertising to deceive consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Everday they call my number between XXXX and XXXX after being told it is not my debt, they say they will remove my number but apparently never do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Jim Bottin Enterprises, Inc
State: NC

Complaint narrative:
When I was relocating from XXXX to XXXX, I called XXXX XXXX to inform them I needed to cancel my gym membership. I was told to email a check stub as evidence of my new address. Well I emailed the check stub and a signed later from my supervisor confirming my new address and job. The documents were sent to XXXX @ abcfinancial, but I never got a response. I found out some time later than I was being charged still after I already left XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
.i purchased a vehicle for my sister, and capital one is trying to dispute the payment because we haave been having issues with them but first off i called in advance and made them aware i was making a large purchase and i wanted them to make sure the transaction did not decline and they made sure it did not normaly a XXXX purchase would naturaly be delined, so not only did they know about the purchase they made sure that it wasnt declined. then about 2 months after the purchase i was contacted by the dealership and told that capital one was disputing the charge to my astonshiment me and my father called we are joint account holders and were told by capital one that they we closing are account with no explanation why and we were free to open a new account. well w are absolutley takin aback by there poor customer service there lack of communication between difrent depts in there corp me and my father asked how we could pay off the balance owed on the card and we would not be applying for anthort account with capital one they are a night mare they said that we would be transfered to the payments dept and every time they hung up during the transfer when we directly asked to speak to a supervisor we spoke with a gentleman that not only told us that the previous XXXX capital one employees we had spoken with delibertly and knowingly had given us false information. the gentleman then proceeded to assure us that there were no issues, he had fixed everything and that are cards were still active not shut down and that we could contact him with any further issues, and apologized for the treatment we had recieved from previous employees. needless to say there of course were issues we went to use are cards again and my fathers was declineing but mine was not. so again me and my father have tried to contact capital one and see why and again we run into the same employees so me and my father say ok shut the cards down we are at are wits end and how can we pay off our balance, and capital one will not except payment from us and now the dealership says capital one is trying to reverse the charge and we will have legal issues if that happens how can they get away with that they were made aware of and approved the purchase but then all the sudden, because we called and complained about some issues we were having they shut our cards down refuse to honer any purchase we made in the past and refuse to let us pay off our balance on the card. how can they dispute a charge that me nor my father are disputing. and we are trying to pay are bill, how can they do this? what can we do? please we are so upset. and what about the dealership can they do any thing to stop capital one from reversing the charge they approved prior and were completely knowledgeable of the purchase they made sure it didnt decline and set my card so it would not decline prior to me making the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I submitted several documents on several occasions to Capital One Bank to verify my identity due to fraudulent activities on my Credit Card. The final time, the week of XX/XX/2016, I mailed a copy of my driver 's license, social security card, birth certificate and a XXXX Credit card bank statement and was told the XXXX Credit Card Statement will not suffice for a bill. I informed them that I stay with my grandmother and the lights are in her name at the address that is on the Driver 's license, XXXX Credit Bill and their ( Capital One Credit Card. I have had such a hard time. with this company. I have several credit cards and they are all paid up to date except this card, which has caused my credit score to descend. I have n't paid a payment since XX/XX/2016, because someone used my credit card from someplace else and I refused to pay for their fraudulent activities. To me, this company is inefficient and lack professional service. Some of the fraud representatives do not know how to handle fraud cases. This has been going on Since XX/XX/2016, and has caused my credit score to go down-tremendously. I gave the Reps Documents INCLUDING A COPY OF MY CURRENT DRIVER 'S LICENSE THAT MATCH THE ADDRESS ON THE CREDIT CARD ACCOUNT, YET THEY ARE PROLONGING THE RESOLUTION AND CAUSING MY SCORE TO BE DECLINE. THE LAST XXXX DIGITS OF MY ACCOUNT NUMBER ARE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was given a credit card increase twice on my card from {$300.00} to {$500.00} and just recently to {$1700.00}. My account was sold from HSBC card services to Capital One credit card. They have kept the interest rate from HSBC from 19.99 % to 20.79 %. I called on Monday XXXX XXXX, 2015 to ask could they lower the interest rate. The supervisor told me that she could not lower the interest rate because of the Prime that was going on. I explained to her if I am given a credit increase this must indicate that my credit should be good enough to lower the interest rate. When I send in a payment the interest and fees on the card are more than the payment. The minimum payment does not even help to pay down the balance because the interest on the card is so high.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have been a customer of Capital One for a few years now and have XXXX credit cards with them. Over the last year and a half, I have requested credit limit increases on both cards and have been denied. XXXX was receiving a message of denial stating that my payments were XXXX small. I increased the payment amounts and started receiving the following denial of credit message : " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. '' I have been receiving that message for 8 months now. Additionally, my other card has been receiving the same denial message for 15 months now. This message implies that an evaluation is being performed on the account and that at some point there will either be an increase or a reason for denial based on this evaluation. The fact that these messages started showing up after I increased the payment amount are not a coincidence. I feel that Capital One does not want to provide a legitimate reason for denial and do not have a concrete reason. The evaluation period seems to have no end. So, I contacted their customer service and their customer service was no help. All they were able to do is state that currently they are reviewing the credit limit increase policy. However, the letter does not state that they are reviewing policy ... it states that they are reviewing my account activity. So, either the letter itself is not factual or the customer service representative lied to me. I simply wanted to know when the evaluation period would end or if they could provide me with a concrete reason. I believe this is a violation of regulation B and the FCRA as I do not feel like they are providing me with sufficient reasoning for the denial of credit. I will be attaching a copy of the most recent letter I received - although they are all the same. Additionally, I am attaching the conversation I had with the customer service from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got a loan with Wells Fargo Financial. In XXXX I received a modification fthe, from them. I fell behind again in XXXX. They sent me a letter in XXXX of XXXX stating I need to pay {$11000.00} to bring the account current. I sent them that that amount in XXXX XXXX XXXX ( {$11000.00} ). In XXXX of XXXX I receiv another letter stating I owed an additional {$5500.00}. They told me that they forgot to add something in. I told them I had no more money to give th them. I had never missed a payment, and they could not explain to me where the additional {$5500.00} came from. 
I had no other choice but to go to XXXX. They brought my account up to date for {$22000.00}. I still do not where this amount came from. 
The account then sold to Wells Fargo Home Mortgage and I started to get calls asking me for an additional {$19000.00}. I have been trying to refi my house and when the escrow company gets a demand, it shows I owe the additional amount of the {$19000.00}. 
I finally got a representative to get my account to their corporate office. 
I received a letter from a XXXX XXXX stating that amount was interest from my modification in XXXX. ( Wells Fargo Corporate office ) If my account was brought completely up to date in XXXX by XXXX, how can I still owe from XXXX? 
I have worked on this for over two years and have not got anywhere. 
I have lost the opportunity to refinance several times. No one is able to help me. I need a resolution.

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