vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I placed a fraud alert on with XXXX and obtained a credit report. I discovered that several entities that I do not have accounts with obtained my person information and conducted unauthorized credit inquiries with the credit reporting agency XXXX. Between XX/XX/XXXX and XX/XX/XXXX Capital One conducted XXXX unauthorized inquiries into my credit at a rate of a minimum of twice a month. XXXX conducted unauthorized inquiries on XX/XX/XXXX and XX/XX/XXXX. XXXX conducted an unauthorized inquiry into my credit on XX/XX/XXXX. XXXX conducted an unauthorized inquiry into my credit on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My credit card number was used fraudulently in XXXX 2015. Capitol One notified me of the charges and I identified all XXXX of them. I was given a new credit card with a different account number. But Capitol One incorrectly noted the charges as " adjustments, '' so they have shown up on my bill as " purchase adjustments '' instead of " fraudulent charges/credits. '' I have spoken to them XXXX times about correcting the error, which now has been duplicated several times. There is a cycle of incorrect " charges '' and " credits. '' The issue has been with Capitol One 's fraud department for several months, but it is still not resolved. My statements are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I spoke to a representative, XXXX XXXX and she said if I sent my reqest for financial hardship and financial statement they would forward to capital one and then we could discuss settlements. They have record of receiving my financial statement but instead of forwarding it they filed a lawsuit without ever contacting me or giving me a different option. Now I ' going to have a judgement on my credit report where it cold have easily avoided. It 's obvious they use lawsuits as a threatening and intimidationg tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
my bank is letting fraud checks through even after i made them aware and froze my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
After receiving faulty merchandise from a retailer ( XXXX " T.V. ) that does not work, filed a dispute with Capital One, my credit card company after numerous attempts to negotiate with the retailer. I have had XXXX conversations with Capital one regarding the dispute process and no XXXX have been the same. Capital One on XXXX XXXX credited my account back for the faulty product ( case # XXXX ) but when the retailer answered the dispute Capital One sent me a letter saying the charge ( {$620.00} ) would be placed back on my account because the T.V. transaction was a " face to face transaction '' according to the Capital One rep and therefore there was nothing they could do. By a face to face I assume they mean the retailer did not deliver the item but I was never made aware of nor was I offered a delivery service. When I brought this to the attention of the retailer his response was " they did n't have to tell me about the service ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One will not give me my credit refund. I have a nearly {$2000.00} credit balance, and they wo n't refund it. I have tried for several months. It is illegal to withhold my credit balance from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I have contacted multiple financial institutions and most of the time I am told that principle payments do not reduce interest charges in the following month. I am told not to pay on principle since doing so will only shorten the loan duration but not the interest charges in the following month. 

This complaint is specific to Capital One. I was told by multiple licensed employees that principle payments do not reduce scheduled interest charges in the following month and discouraged extra payments. I eventual pushed the issue to the fourth level of management who stated correctly that principle payments do reduce the following month interest charges. They stated they would provide training to their employees. I stated I would call after XXXX month and ask the same question to see if the training was effective. 

Today, XXXX/XXXX/15 at XXXX XXXX, I called XXXX XXXX XXXX. I asked " If I pay an extra {$10.00} in month XXXX, will the interest charge in month XXXX drop by a few cents? '' He replied no. He said the interest charges would be the same as though no principle was paid and only the length of my loan would be reduced. He clearly failed my test and when I asked to speak to management I was told there was none available, then transferred to a voicemail. 

I have spoken to many people in the industry and it sickens me that so many actively discourage early pay off and additional principle payments. They lie to prevent early pay-off and this costs consumer XXXX of dollars. over the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid my account to less that XXXX $ by XXXX of 2006. I am currently in XXXX of the first full-time employments that I have had since, and am only several months into such employment after a severe assault. As a crime victim, I believe I have victim rights to protect me against unfair garnishments and levies. Additionally, the collection agency did not submit due process in writing. The collection agency also has previously harrassed me by telephone. I believe that the collection agencies has conducted illegal searches to find my current financial information. The collection agency is trying to levy $ XXXX to the financial institution directly and, when telephoned, I am being told by the collection agency that the balance is well over {$2500.00} and that that is the amount to be paid unless paid in an unreasonable time frame and in large amounts. And that this is all due to " interest '' ( which I know to be illegal in the state of California, where the debt was incurred and where the collection agency is located ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have not received a new credit card with a chip by the XXXX/XXXX/2015 deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: LEXISNEXIS
State: NJ

Complaint narrative:
This credit reporting agency attempts to circumvent the entire system of the CFPB. Basically, this agency types up a standard template response in an attempt to quickly close consumer generated complaints. In fact, under original complaint filed with the CFPB ( XXXX ) filed on XXXX XXXX, 2016, this agency stated that they would make the appropriate corrections within the 30 day Fair Credit Reporting Act. Well, it is now almost 60 days, and this disorganized, unethical company has not provided any updates, no communication, nor have they followed the Fair Credit Reporting Act. It is no wonder that most large companies do not depend on any information from this credit repository.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I called CapitalOne to cancel or change my credit card from the current card I have with an annual fee to one with no fee. The fee was on my last statement as anniversary date for the card is around now. They offered to switch me to a no fee card but said they needed to check if the annual fee would automatically credit back to my account. 

After a long hold, they said the annual fee would not be credited back automatically and they would not credit it, period. 

They demanded that I still pay the annual fee since they had already " billed '' it. It was on my last statement and another representative had already told me as long as it was within 30 days, it would not be charged. 

A supervisor told me they would not " waive '' the annual fee. I explained I was not asking for a waiver. I wanted the no fee card and they still refused, saying I could switch cards, but since the fee was already billed, they would make me pay the annual whether I switched cards to a no fee cards or canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This complaint is in reference to a change in status of charge off, date and the amount for Capital One Card. 
The account was charged off in XX/XX/XXXX in the amount {$1900.00}. 
( See XXXX ) XXXX XXXX/XXXX/XXXX Capital One flagged this account on my credit report as a Charge Off as bad debt and reported the amount of {$2400.00}. Changing the date of the charge off and the amount. I have received no statements after this account was charge off. 
( See XXXX, XXXX and Cap XXXX ) I have disputed through the CRA as furnisher is providing inaccurate information to CRA 's. Capital One continues to report it wrong and ignores the disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 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: OH

Complaint narrative:
I had an online and Phone Quote from some Agent who worked for XXXX They Gave a quote where I had to pay XXXX $ for just one single month for my automobile insurance. I agreed and paid the payments for XXXX $ for XXXX months from XXXX to XXXX. The company called me back and Cancelled my car Insurance after the XXXX month Period and said I had to pay them additional {$710.00} as my insurance quote increased. I never agreed for this higher quote and they reported this record as collections. This is a strategy used XXXX to rip off the customers. I had some speeding violation with no XXXX ever in my record. I never agreed for a quote where i had to pay more than XXXX $ a month. I agreed for XXXX and paid the months I had insurance with them. Now they have reported me to credit collections and it is impacting my score and APR 's very badly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
I financed a vehicle from JD Byrider XX/XX/XXXX, when I purchased this vehicle I also had my payments automatically deducted from my bank account. I still to this date XX/XX/XXXX, have this set ujp on my account. XX/XX/XXXX there was a new employee at my finance company assigned to my account, who began to call me regarding my payment, I explained to her that she did not have to call me regarding my payment, my payments are automatically taken out of my account. She continued to call me regarding my payment anyway, as well as asking me if the funds are there, I then would hang up on her. I would later receive a call from my sister telling me that this same woman called her stating she was trying to get a hold of me regarding my auto payment, and when I arrived to work my supervisor informs me that this same individual called my employer regarding my auto payment and insurance on my veihcle. My supervisor explained to her as well as I have that I am not to receive these calls on the job and the woman explained that she was fully aware of that. I then contacted XXXX manaers regarding this issue, and the phone calls stopped for a few months. She then began to call regarding my insurance on the vehicle I explained I have an XXXX insurance you do n't have to verify that with me you can verify that through the state if you want to know if I have insurance. Here we are XX/XX/XXXX and she is calling me regarding my auto payment again. Nothing on my account has changed, my payments have been taken out of my account for a few months with no problem and she is harassing me about my payment again. When I spoke to the XXXX managers they both confirmed that it shows on my account which debit card to deduct my payments from and both confirmed they did not know why this individual is calling me regarding my payment. She wo n't stop harassing me and I need assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I 'm currently refinancing my house from a 5-year ARM to a 15-year fixed conventional mortgage. I have applied to several mortgage lenders to compare rates. Capital One has offered the lowest price, but partly due to a limited time promotional offer of a {$1000.00} credit off closing costs, and this offer has been extended ( per email ). However, the lender has not documented it in the Loan Estimate which they provided on Monday XXXX XXXX based on an application I made on XXXX XXXX. I have twice requested that the lender add this promised non-specific lender credit to the Loan Estimate disclosure but they have refused, stating via email : " I had to get an exception for the extra {$1000.00} since it is no longer in effect so it will not show up on the Loan Estimate. I did get the approval though so it will show up on your new loan docs if you decide to go forward on the loan. " and when further pressed, the loan officer stated : " There would be a redisclosure document that you would receive once the loan is in process. I can not apply the approval until after we have started going forward. " This is quite frustrating because I 'm afraid that later they will not honor their commitment since it was not formally documented in the Loan Estimate disclosure. It appears that Capital One is trying to force me to agree to starting the home appraisal, with its {$450.00} non-refundable fee, to lock me in before officially documenting the lower final closing costs. This also inhibits me from shopping around for the best loan rates since their real/lower quote is lower than the one that they are willing to disclose and legally document.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I 've recently updated my mailing and email addresses with the credit card company online. This raised an identity/security alert on their system. In the past when I have taken such action, I 've gotten a phone call or something in the mail confirming that. However, this time around the company wanted me to email or mail in copies of my documents ( SS card, DL License and utility bill ). I found the request to be a bit unusual and raised security concern on my end. I do not feel comfortable sending such info. to them ; and asked to cash out or credit my earned " cash back/rewards '' balance towards my outstanding balance. They refused to work with me on that stating that the account has pending ID verification concerns. I offered them an option mail the check to the previous ( original ) address or verify the info. over the phone ( unchanged ) to which they refused. I 've made the payment for full outstanding balance on my account and there is no pending balance whatsoever. However, when requested via customer service phone number the credit card company wo n't allow me to close my account. I have no intention of using the card again or do any business with the company and therefore I see no reason to leave the account open which could have negative impact on my credit history/report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
Linebarger, Grogan, Blair, Sampson LLP ( Linebarger ) has attempted to contact someone ( an " Individual '' ) at my address by US mail and by phone at the landline number associated with this same address since XXXX XXXX ; this person 's name is clearly spelled and specified as per the attached PDF and Windows Media Audio Files, respectively. 
In XXXX XXXX as the result of other mail and robocalls for the same Individual sought by Linebarger I filed an FTC Identity Theft Victims ' Complaint and Affidavit and used it to file a Report with the XXXX County Sheriff 's Office in XXXX XXXX against this same Individual. 
XXXX/XXXX/XXXX : Received an un-postmarked Presorted First Class Mail letter at my address sent by Linebarger to this Individual. 
XXXX/XXXX/XXXX : As a result of the letter sent to my address for this Individual by Linebarger I called the XXXX XXXX and opened a case. 
XXXX/XXXX/XXXX : As per instructions from the Postal Inspector I returned the envelope received XXXX/XXXX/XXXX UNOPENED marked w/ '' Does Not Reside at this Address Return to Sender '' to the US Post Office Annex in XXXX , TX to be returned to Linebarger . 
XXXX/XXXX/XXXX : I received a Presorted First Class Mail letter from Linebarger at Zip Code XXXX postmarked XXXX/XXXX/XXXX for the same Individual. I followed up with the Postal Inspector. 
XXXX/XXXX/XXXX : I returned the envelope received XXXX/XXXX/XXXX UNOPENED marked w/ '' Does Not Reside at this Address Return to Sender '' to the US Post Office Annex in XXXX , TX to be returned to Linebarger . 
Prior to returning both letters I scanned the UNOPENED envelopes as evidence as per the attached PDF file. 
XXXX/XXXX/XXXX, XXXX and XXXX/XXXX/XXXX XXXX : Linebarger robocalled my home phone with messages for this same Individual. 
These messages are attached ; the second is truncated because the answering machine ran out of recording time. Linebarger does provide an Option in the event that the call is live answered such that " If we can not reach ( Individual sought by Linebarger ) at this number press 7 and we will remove this number from our records. ''

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i paid the card off the bank froze the account let it completely max out then gave it to XXXX collection agency. if they wamted the money then why did they stop me from paying them?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
The debt collector has not provided any information on what this debt is. The only documents it has sent was collection bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
XXXX XXXX does not know JH Portfolio Debt Equities. 
This is fraudlent account. My documents were stolen in 2009. 
This dates back to when my documents were stolen.

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 2016-07-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: ASTORIA BANK
State: NJ

Complaint narrative:
5 years ago i did a refinance of my loan with Astoria Federal. At the time the loan was supposed to go from a jumbo to a conforming. Now I am finding out that this did not happen, I was lied to. My current loan with them is still considered a jumbo, even though it is {$220000.00}. 

I am now trying to refinance into a 15 year fixed. The rate on their page https : //www.astoriabank.comXXXX for a 15 year conforming is 2.75 %. They will not allow me to access this rate unless I pay them {$1500.00}. For their program that costs {$250.00}, they are offering me a higher rate, not the one advertised on their page. This bait and switch of rates is due to their error from last time I refinanced, when they promised me a conforming loan but did not deliver.

Company response to consumer: Closed with explanation