vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I recently sold my car in a private sale. The seller issued a certified check to Capital One which was overnighted and received by Capital One the day after the sale. After several days, my payoff did not post and I contact Capital One to determine what issues there may have been. I was advised sometimes processing can take up to XXXX business days. It has now been XXXX days since Capital One signed for my check and no payoff has posted. Capital One has advised that they can not find the check in their facility. They want me to contact the buyer, have them place a stop payment on the check and reissue the check, however, they will not reimburse a XXXX party for this hassle. Capital One has basically said although they signed for a check that they lost, they want the buyer and me to incur the costs of replacing the check. The level of incompetence is astounding. At this point, I can pretty much tell the Capital One representative ( s ), and mind you there have been MANY, exactly what they will say when " researching '' the issue. They say things like, '' once the check clears, send us a front and back copy and we can process the payment ''. This would be a solution to the problem except for the fact that the bank ca n't issue copies of checks that have n't been cashed. At this point, I am forced to wait another XXXX business days, which is five actual days for them to do more " in-depth research '' regarding the location of the check. Call me crazy, but what was the team researching for the past week and a half?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have an account with Capital One and have never been late or missed a payment. For a while I had been making the minimum payment due and I applied for a credit line increase last year and was turned down because I was only making the minimum payment due even though I had never been late or missed a payment. XX/XX/XXXX I stopped using the account so I would not be at the maximum limited and increased my payment from XXXX XXXX to XXXX. On or around XX/XX/XXXX I applied again for an increase and was denied again, this time because my average payment has been to low. I feel like they are not treating me fairly because I am a XXXX veteran and a XXXX. I have in good faith done everything that is legally required of me and I am seeking your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My daughter ordered some underwear using my credit card. For some reason XXXX has been charging my credit card XXXX every month there after. My credit card is now max because I always just pay it. My daughter swears she never authorized a month amount. She is only XXXX. Now I ca n't get my money back and I have paid XXXX on the XXXX of every month for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Submitted to Kohls Department store a request to remove XX/XX/XXXX and XX/XX/2014 30-day notices on all three credit reports as they were placed in error. I did a follow up call and spoke to a XXXX-Supervisor who agreed that I Kohls received three payments from me in the same month and probably did not apply them correctly ( one for XX/XX/XXXX, another for XX/XX/XXXX and a third for XX/XX/XXXX ). I believe this was human error as I made the payments for each month. Additionally, I am requesting a credit on my account for two late payments as they were made and payments were inappropriately applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I placed an order with XXXX XXXX on XXXX/XXXX/XX/XX/2015 for {$180.00} and they sent the wrong item. I wrong item. I returned the item for the correct item. 
They never contacted me, so I called them and theythey said they did n't know what to do. So they said they would send thereplacement right out. I waited and nothing. I called again and they said theythe item was on back order. I told them I no longer wanted the item, because it was now XXXX XXXX. They agreed to give me a refund andemailed this in writing. I had done a chargeback on my credit cardbefore I received this email, and advised the vendor this is what I haddone. I responded to the credit card companies letter and sent a copyof the email to them. They then recharged my credit card. I now ampaying {$180.00} for merchandise I never received with a writtenagreement, as proof from the vendor. I want a full refund. 
I placed my order on XXXX/XXXX/XXXX and it is now XXXX/XXXXXX/XX/2015 and I would like thisresolved. I do not believe I should have to pay for something I neverreceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX, XXXX To Whom This May Concern : I am writing this email to try and resolve this issue, which we have attempted more than a dozen times. 
My name is XXXX XXXX XXXX, and I once had an account with Capital One. 
Sometime in XXXX XXXX, I purchased a subscription from XXXX for {$89.00} with a one week free trial. The site turned out to be very difficult to access, we have tried multiple times and gave up. Before that one week trial ended we wrote them an email cancelling the service, so we do not get charged the monthly fee of {$89.00}. When we got our statement the following month, we were still charged the {$89.00}, so we contacted Capital One and disputed the charges. We were asked to send in the documents that prove the cancellation. We have sent all the required documents by mail with return documentations about four, faxed it four times with confirmations of receipt on your end. Each time we get our statements, the {$89.00} keeps showing up as overdue, and in fact we have called Capital One many times, and each time we have to explain what happened and every time customer service pulls our file, there is nothing showing that we sent all the documents. This circle had gone on for more than 2 years since XXXX XXXX and after we gave up on contacting CapOne, we started getting harassing calls from CapOne/and or collectors on behalf of CapOne. Now the balance showing there has ballooned to more that {$330.00} and was reported as of course a negative one. 
Up to this day we are still getting the impact of that false report, have disputed it to the credit bureaus and nothing has been done. 
Now it is XX/XX/XXXX, and the false report and ballooned balance is in my report. This is not fair and we need to come up with a resolution to this matter. I can offer to pay the {$89.00} which is the original amount of that cancelled subscription, and in turn Capital One remove that false report on my credit. 
I appreciate an immediate action to this matter, not months or years. 

Sincerely, XXXX XXXX XXXX SSN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Name of Creditor : CREDIT COLLECTION SERVIC Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, MA XXXX Re : Progressive Insurance Company Amount : {$390.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I called to cancel my credit card account and the issuer ( Capital One XXXX ) refuses to refund the unused portion of my annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Today, XX/XX/2016, I was notified that Capital One received a report of possible fraudulent activity on my account. I requested the source of that information and was told that such information was not available to the person who assisted me, XXXX, a Fraud Department Supervisor. I was told that my current credit card is being replaced even though I have paid my account balance in full for the past 4 months, or the duration of having the Capital One Platinum credit card. the actions of the company seem to me arbitrary since the company is unable to provide the source of the compromise. I believe that there is possibly no justifiable reason for the action of re-sending me a credit card due to the fact that the company is unwilling to disclose the source of the information stating that my information has been compromised. I am unaware of the rationale for the actions conducted by the company and would like full disclosure for the reason for why my account may have been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have the balance on my card for a year and the amount owed has not come down at all. I think this is robbery and illegal. I am making a formal complaint because this is fraud. To charge a customer to use an account and have them pay you back is bad customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 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: OK

Complaint narrative:
My wife and I cancelled our policy with XXXX but they are trying to charge us for another month of coverage after the cancellation went into effect.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Some one opened up a account with Capital One in my name. I have been getting bills in the mail. I have seen the bills but there are no charges except for yearly charges and past due charges. I never applied for this card and I do not want to get stuck with these charges I am afraid that who ever opened this account up will run up a billView your statement online. 


Visit Capital One Sign in to your account Check out your XXXX 2015 statementView your statement online About your account ending in XXXX XXXX XXXX, The XXXX 2015 statement for your Capital One ( R ) credit card is ready -- just sign in to view your statement online. 


Statement balance : $ XXXXMinimum payment : $ XXXXPayment due date : XX/XX/2015by XXXX ET You can view your transaction details online, manage your account, or make a payment. 

Thanks for choosing Capital One. 


View transactionsMake a payment There is a basic version of this statement notification email available. If you want to switch notification versions, sign in to your account and select Security Alerts. 

Did you know? We need up-to-date income information to consider you for future credit line increases. Update your income now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One is fraudulently working with a company called XXXX, causing interest and unwanted harassment and meaningless wastes in the universe. They must be stopped! XXXX They refused to speak with me when I informed them I was recording the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a credit card on XX/XX/XXXX and was declined. I received a email notice that the letter explaining why the card was declined was available through a secure link. After logging in to view the letter, it only brought up a letter from XX/XX/XXXX. This was the XXXX time this incident happened. I called to find out why I could not see the letter, only to be told they did not know. I was told I would receive a letter in the mail and have not received it. I applied again on XX/XX/XXXX and was declined and receive the same email again with the secure link on XXXX XXXX, only again to only show an old decline letter from XX/XX/XXXX. I verified my address and was told a letter would be mailed. I have not received any decline letters for the last XXXX attempts starting in XXXX. I would like to know why I am decline so I what I need to do to better my credit status, but Capital One refuses to send me a decline letter via mail, and the onle secure portal does not show my letter. The supervisors only tell me that they will send out the letter again. I need help. Someone please help me get the decline letters from Capital one so I can know why I am declined. The Application or Reference number to the XXXX application is XXXX. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
That 's not me I never had all those accounts

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one bank did not report the correct ending balance on my account to the credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had a secured card with XXXX XXXX for almost a year now trying to rebuild my credit and have paid it off on a monthly basis with no issues. It has always been my impression that you have a 30 day grace period after your statement date with a credit card. I recently decided to get a new credit card with a {$1000.00} limit from Capitol One who would n't stop sending me offers in the mail. This particular offer said 0 % interest for 9 months and I also remember seeing this on the info when I received the card. I received my first statement showing a balance of {$320.00} on it, just over the 30 % mark that I try to shoot for. After about 3 days I paid {$320.00} dollars on it thinking I will pay a small amount of interest on the remaining {$5.00} once my next statement hits ( which I heard will help your credit even more ). Once he next months statement drops I see that because I left a whopping XXXX $ on there and did n't pay it off in full they decided I did n't get a XXXX grace period and so I did n't only pay interest on the XXXX $ but I also paid interest on the full {$320.00} for the few days I had that balance after my last statement dropped. The biggest problem is that they have a financial term for this it is called residual interest and it is a ridiculous sales practice so now I am stuck with this credit card that has 25 % interest ( ridiculous in the first place should be XXXX ) and I feel like I have to pay off in full the day after my statement drops.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
For the past two weeks I have received repeated emails from Capital One informing me that access to my " on line is locked for too may attempts to log in ''. I have called Capitol One, and have spent far too long on the phone to communicate/explain that I do not use my account for on line payments or for banking. I have asked for my account to be closed, which, at this point the agent panics, and forwards my call to a fraud management process that makes it impossible to get an answer on where, whom, and how someone was trying to access my account. The agents insist repeatedly that it is me trying to login in with the wrong password, and I repeat over and over again to the several customer reps that I have NOT tried to log in! It is a vicious circle that leaves me feeling helpless, and unable to have control of the security of my finances. 

( 1 ) The XXXX notice was received on XX/XX/XXXX notifying me that my on line access to Capital One 360 Banking account was locked for too may attempts to log in. I do not have such an account!, nor did I try to log in! I contacted them on XXXX/XXXX/XXXX to ask what was going on, and after XXXX hour on the phone they said it was a mistake! It is clear that someone was trying tool in to an account in my name, and they Capital One has no idea how to deal with the situation! 

( 2 ) The XXXX notice on XX/XX/XXXX informed me that my credit card account was locked for too may attempts to login on line. I was on vacation, did not try to access my account on line ( never do ). Called on ( XXXX ) to try to fix the situation, and was sent into another endless parade of customer service agents whom have no idea of what they are doing or what they are taking about. 

Seeking CFPB 's assistance in making Captiol One fix what is wrong, and find a better way to communicate with customers ... ... especially using agents that are american, and are not reading from a prepared script. 

I plan to close the account, but still want answers form the head of Capital One as to what was happening with my account. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In response to my first complaint, I am attaching an e-mail that I received from a representative of Capital One. Apparently this was just a joke. I have called 4 times, was put on hold for about 20 minutes, and the " foreigner '' I spoke to ( I could not properly understand him ) said this lady was not available. I guess the joke ( more deception ) is on me, right? Attached is the e-mail for your review : XX/XX/2017 Capital One Case : XXXX Dear XXXX XXXX, I 'm reaching out to you about your concerns. I would like to try to help you with this. 

Please give me a call at the phone number below at your earliest convenience. 

I am available from XXXX.-XXXX PT, Monday-Friday at XXXX. When contacting me, please use XXXX as the XXXX-digit PIN when prompted. My XXXX-digit extension is XXXX. I 'm glad to help any way I can. 

Sincerely, XXXX XXXX, on behalf of Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
My bank refused my check to an account that is from my bank. No one seems to understand what happened.Capitol One manages my XXXX Account.It is identified as a Capitol One Account, I called them to find out what happened and no one could explain. I was on the phone for an houreventually they wanted to do a conference call but the person was out to lunch. 
Then I was told to call back again. XXXX hours on the phone and no solution. 

The account is marked Advised. 

A report was made to credit sources and XXXX sent me a letter to advise that they had sent it to credit agencies.???? 
This is the letter that was sent to me online from the bank private mail.. 
Your payment to XXXX XXXX XXXX for {$290.00} on XXXX/XXXX/2015 wasrefused by the payee. This payee would not speak to a XXXX partyregarding the reason for the returned payment for the security of youraccount. 

We are in the process of issuing a refund to your checking account withCapital One. Please allow XXXX business days for refund to be applied ( excluding weekends and holidays ). 

We apologize for any inconvenience this may have caused. 

Thank you for banking online with Capital One, we appreciate yourbusiness and the opportunity to serve you. 

Regards, XXXXCapital One Online BankingI talked to XXXX XXXX but not to them and the bank and they said systems error maybe? What is this all about. If the bank has a relationship which is shown to be Capitol One, how can it not honor my check? 
Please advise. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have received mail through the post office from CapitalOne offering me a credit card. First, I stamped the envelope " RETURN TO SENDER '' in red ink and put it back in the mail but, I do not remember the date. Second, I stamped it again and then wrote " Please remove me from your mailing list. This is my second request. If this request is not honored I will be contacting the Post Master General and the Attorney General of Arizona. Thank you for your help. '' At the time I did not know to contact the Federal Trade Commission. Third, I received another envelope. In response to the envelope, on XXXX XXXX, 2016 I sent a letter which will be uploaded in the appropriate location on your website. In the letter I enclosed copies of the envelope and explained that I first sent an envelope requesting to be removed from the mailing list. I was wrong telling them I would contact the Attorney General and Post Master General. However, I did formally request to be removed from their mailing, calling, text and any other means of communication the company utilizes. They did not try to contact me and around XXXX, XXXX I received another envelope.

Company response to consumer: Closed with non-monetary relief