vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-16 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On or about XXXX XXXX 2016, I started the application process for a secured credit card In the amount of {$250.00} with USAA bank. On XXXX XXXX I completed the application and linked my checking account and routing number to fund the CD, with is used to secure the card. On XXXX XXXX I noticed on the USAA mobile app that the funds were pending to be withdrawn from my checking account twice instead of once. I elected to leave the funds in my checking account for withdrawal after receiving assurance that the duplicate charge would be reversed and the funds returned to me in a couple of business days in a worse case scenario. After approximately 7 business days, I started inquiring into the status of my refund. I was initially told that it takes as many as 14 business days to close out the CD and issue a refund check. This time frame obviously differed from the initially time of 2 business days ( max ) I was quoted before. I started calling after this on average 3 times per week until XXXX XXXX. My responses to these numerous calls ranged from, the check was mailed on XXXX XXXX to the check was mailed on XXXX XXXX. I did n't get the same response XXXX consecutive calls. On XX/XX/XXXX I was notified that not only was a check not mailed, but one was never generated. During this entire process I was either lied to by USAA 's CSR 's, the CSR 's did n't not have access to relevant account holder information, or USAA intentionally withheld the whereabouts of my funds. This whole ordeal has caused things to be paid late, affecting my credit score. I had to alter my life to work around the fact that I was short of money when I should n't have been. As it stands now, I bring home about {$220.00} a week, so this was devastating. I would like at least the offer of some kind of compensation for my trouble what was caused by them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Professionals, LLC
State: AZ

Complaint narrative:
debt collection claims a debt from 2004. Is unable to state the source or the original amount. The were requested to stop phoning and to contact only by mail and to produce a copy of the original debt. Also the failed to provide a licence number for debt collection as per arizona law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One refuses to issue credit balance refund of over {$1800.00}. They stole my money fir nearly one year. They keep making excuses for stealing my money. Ive provided them with identity proof with my id and social security card but they still wont send. My utility bill is in my roommates name so I cant give cap one that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX 2012 my home was sold at a trustee sale after it was foreclosed on. I had a second mortgage with Capital One on this property and they are still reporting it as an open account with a balance and are reporting anew 120 day late every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is about a Kohl 's department store credit card balance due. The company or their representatives continue to call mutliple times a day at a minimum of three often more and have in fact called as many as 15 times in one week after being informed of the plan to pay the balance in question. We have asked numerous times to not be called and we have advised them that we will not make payments over the telephone due to scams and fraud issues. Still they continue to call even after making contact. This has been going on for more than two months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I open a checking Account with Capital One Bank. I received a refund from a merchant for a couple of purchases. The bank put the refund into my account more than once and after they made the mistake, they then charged me over limit fees. I 'm on a fix income of SSI. I refuse to pay these excessive fees. This is a form of swindling. Which I consider a White Collar Crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In response to filing a complaint with the CFPB, capital one has responded by no longer sending monthly statements. The last statement I received was XXXX 2015. 
I also have been blocked from accessing my account online. The Honorable XXXX XXXX will undoubtedly begin his response discussing my bankruptcy. However the case has been closed for a year I 'd like to have statements and online access. I have asked and been told by XXXX XXXX to call someone else at Capital One. His response unhelpful and unprofessional. Capital One has determined that they will not respond to my calls. See email attached from their attorney stating that I am not to call nor will not get any responses. 
I have been the victim of Capital One 's retaliatory and predatory nature and in fear of them sending their attorneys after me for calling I am unable to call and appealing to the CFPB for assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
They closed my account after I sent a payment and thought I had the funds. They honored the payment before they honored the deposit I made to cover the deposit. When they closed it they said I must put in the amount to cover the overdraft line of credit and I did that. After that I accidentally put an extra {$300.00} in the account. I 've asked them XXXX time to return the funds and they have n't. They keep claiming that they are going to review the account tomorrow and then return my funds. They have said this twice now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital360.com bank cancelled my payment check without my consenting. 
Here 's the online banking info. I quote, " Pay From XXXX Amount {$3100.00} Send On XX/XX/2016 Withdraw On XX/XX/2016 Category CHECK DELIVER BY XX/XX/XXXX Confirmation XXXX Payment canceled XX/XX/2016. 
" I found out the payment check was cancelled 30 days late, only after my payee asked " where is the check? ' I asked Capital360 bank why my check was canceled without my consenting. 
The bank argue, they tried to call me but I did not pickup the phone. So they just go ahead cancelled the transaction, for whatever they think is necessary? is it legal at all? Do they have to officially inform me, neither before nor after, for the action could cause serious damage? 
I asked the record that shows they called and left a message. They do not have it. 
I have email, cell phone and XXXX address in my account. 
The least Capital360 can do is send me an email, a letter or follow up calls to inform me what had happened. 
I had saved a copy of the entire online chat for future reference. 
Thank you very much. 
kf

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

Complaint narrative:
On XXXX XXXX, 2015 someone fraudulently opened a credit card account with Capital One in my name. The good news is that Capital One realized it was fraudulent and called me to confirm that I had not submitted the application before they sent out the cards, and they immediately closed the account. The bad news is they still have not removed the credit inquiries from my credit reports. The hard pull shows on both my XXXX and XXXX credit reports, and negatively impacts my credit score. Every time I call Capital One ( 4 times so far ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) they tell me " it 's in the process of being removed. '' It 's ridiculous that it has taking over 9 months to remove the inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
having less than perfect credit I accepted a auto loan from capital on auto finance in XXXX 2011. at the time I was making fairly decent wages and accepted the loan terms of 25.99 % interested on a {$34000.00} loan monthly payments of {$480.00} per month however into my third year prompt and timely payments there was a decline in my health I contacted Capital One and asked about refinancing my loan and was told that they did n't refinance their own loans. soon after I was forced to retire early due to health issues and had to apply for SSI and of course my income was less than half of what I was making when I was working. I call Capital One and informed them of my circumstances and was told by a representative that I can apply for the hardship program and to qualify all I had to do was miss two or three payments unfortunately I took his advice only to find out that I would not be able to qualify until I paid down on the loan so I struggled along trying to make the {$480.00} payments. after another year I applied 4 times for the hardship program and each time I was told that I did n't make enough money to qualify even with may Son 's contribution of {$750.00} per month. this has been very stressful and I am doing everything possible to pay this off and maintain my health. DESPRETLY NEED HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I been with captail one four years I only got one credit increase sffISince I been with them been with them every time I applied for onone I get denied its getting crazy with this I spoke to a fewmangers they said well there so many factors of makinga desion I really do n't unstand im getting the run a roundalso the manger put a complaint about this they said someonewould call me back no one did

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I requested on XXXX 2015 for Capital One to have my credit card closed and I paid my account in full. Capital One put the account in restriction mode and they have assessed their bank fees for annual fee, interest fee and late fee on an account that I requested closed with a zero balance. I am demanding to have Capital One issue credit to account. I contact them on XXXX XXXX, 2015 to request and the agent was so rude and would not provide information. Her name is XXXX ( would not provide last name ) ID # XXXX, telephone XXXX. 
I asked her why she ca n't provide last name since I provide my personal information she was so rude and stated she ca n't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX 2016, I had XXXX fraudulent charges to my credit card. That card was cancelled, and the credit card company applied the appropriate credits. But after the card was cancelled, I received four other credits from XXXX merchants. Those credits were not automatically applied to my new credit card. I 've now called 5 times, and only one credit has been applied. The other XXXX credits were applied as CHARGES to my new card, which still has n't been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: LEXISNEXIS
State: NY

Complaint narrative:
LexisNexis XXXX ( XXXX ), Motor Vehicle Division or XXXX XXXX XXXX XXXX at XXXX. XXXX XXXX in XXXX, Georgia XXXX gave XXXX XXXX XXXX XXXX negative information on me which caused a higher insurance policy quote. LexisNexis has a " non-working '' system where I can not get a copy of this Free Consumer Credit Report under the Federal Fair Credit Reporting Act. The phone number LexisNexis indicates to call does not understand the English Language. The computer voice keeps saying " I do n't understand '' or " I did not get that '', or it get some of what is said/input, then erases what was recorded/input than starts over again. I called 5 times to get my report and LexisNexis failed to give me the report. There is absolutely no option to get a human being. I called XXXX on this matter as XXXX paid LexisNexis for this service and XXXX was unhelpful. The LexisNexis number is XXXX. Since XXXX refuses to have a human being attend this number with an option if problems arise, they have chosen to be in " non-compliance '' with the Federal Fair Credit Reporting Act. I was never able to get a copy of this negative report LexisNexis gave to XXXX XXXX which caused a higher price.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
I got behind on my loan, I ask for 7 months can you give me and extension and put 2 months in the back and they keep telling the next month for 120 days. So they decided it was time to repo the car and the company they hired did almost XXXX worth of damage towing it, So a week later I get the car back and it is leaking transmission fluid and there was a little crack under the front bumper that got bigger from driving it. I could n't drive the car due to the leak and the bumper .The repo man found my work shirt from a part time summer job that I worked at the past two summer that I never reported to Capital One and he went to my Boss and told him about the repo after the I got the car back and retaliated against because I complained about him damaging my car. I sent capital one the text and they tried to cover for him saying they do that to find the car, but the I told them it was after the fact and I never reported that job to you or on my credit report and that was violation of privacy laws and you ca n't do that with my personal information. They want me to pay this man for the repo is the crazes thing I ever heard and they will not waive it and I have n't had a car since XXXX and been paying people for rides and a rental car.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I would like to know how my payments are being applied and I can not receive an acceptable answer from calling customer service. I took a {$20.00} cash advance in 2014 ( that 's what the rep told me as I am no longer able to view the statement online to confirm ) and I would like to pay it off. Each month I continue to see a {$0.00} interest charged assessed and it never goes down ... why?? I typical pay more the minimum payment due but none of my payment is applied to the cash advance which has the higher interest rate..why??? When I asked how I can pay this portion off I was told that I have to pay my entire balance off!! This does not make any sense to me. My minimum payment is {$25.00} and I usually pay {$50.00} or more each. Why ca n't the overpayment be used to pay off the cash advance? Is this a way to make more money off me??? This may seem small to some people but this will make a big difference to me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
We field a prior complaint with CPFB regarding wrongful negative reporting by Kohls department store. We filed a complaint with all XXXX bureaus. XXXX repsonded by letter and removed the negative reporting ( attached ). We heard nothing from XXXX. After several phone calls to call centers we learned that XXXX had no record of a complaint. We filed for the third time. We contacted XXXX, after several attempts and supervisors, they stated that Kohls said the information was correct. They advised that we file another complaint. I understand that Kohls was to have reported to all XXXX buraeus, not just XXXX. This confusion is causing my family great stress. After filing Chapter XXXX in 2011 we have been working XXXX to get back on our feet. We have made an offer on a home and we are about to lose it because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
During my year long job search I was contacted by what seemed to be a legitimate company to fulfill a Shipping Supervisor role. I was to fulfill purchase and shipments to set up new offices here in the states. I was a bit skeptical but did some research and could n't find anything online that would give me a red flag. They were to pay off my cc so I could begin making purchases on my card for which they would reimburse me. They gave me a XXXX XXXX Account # to use to pay off my card. Decided to call XXXX XXXX to make sure it was a legitimate account. They were no help and guided me to get in touch with the Fraud Dept at Capital One. On XXXX XXXX I had a 20 minute conversation with the Fraud Department at Capital One ( my cc account ) to discuss the venture and make sure I was n't doing anything wrong or fraudulent. They assured me the account was a Corporate Account from XXXX XXXX and that everything appeared legitimate. Ok, I thought, The Fraud Dept gave me the go ahead and I proceeded to pay off my account with the XXXX XXXX Account information. A couple days later it went through and I had a XXXX $ balance. Great, just as expected. I made XXXX purchases over the next couple weeks and paid off my account each time waiting until Capital One showed a XXXX $ balance before I proceeded. Until XXXX day the funds were taken back out of my account. I thought ..How could that be? No one has access to MY account to take money out? I called up the bank again XXXX XXXX XXXX ) and they explained the funds were taken back out from the XXXX XXXX Account. They told me I did not have access to that account. I assured them I did. I have it in writing in an email as I explained the first time I spoke with the Fraud Department. How is that possible? They then told me that they do n't actually have the funds in my account like they show me and let me believe the funds are in my account. In essence, all XXXX purchases I made, in addition to the original paying off of my account from this XXXX XXXX Account were taken back out. On XXXX XXXX I had another 27 minute conversation with the Capital One Fraud Department letting them know that they screwed me over on this after I spoke to them 8 weeks earlier to make sure I would not be defrauded. They never told me that I could not stop money coming back out of the account if my NAME was n't on the account. They never told me that just because they showed money in my account and it has cleared that they do n't actually have the money. XXXX very deceptive ). I did my due dilligence in calling the Fraud Department in the first place. They are the professionals. They should 've alerted me to watch out for X because your name is not on the account and money can be taken back or let me know that just because they show that the account has cleared, it actually has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have XXXX credit cards with Capital One. I had some financial difficulties and got a couple of months behind on all XXXX cards. 
I called Capital One to make arrangements on XXXX of the cards to pay {$60.00} over XXXX months to get caught up and gave them my bank account info to take the money out automatically. 
XXXX the other XXXX cards, I was able to pay them off in full. I called in to Capital One and made the payments over the phone. 
A few days later, I went online to check that the accounts reflected the new balance and found that each XXXX had a note that say the accounts had been suspended. 
I called in to Capital One to ask what this meant and they said that I could no longer use the accounts but they would remain open and I would still get a yearly charge for them but I could not use them again. 
They did not inform me when they took my money, nearly {$1000.00}, that I would not be able to use the cards anymore. 
Also, when I checked my credit, they reported me for being 120 days late which I was not, and never updated my balances to zero. They are still reporting the old balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have never had the service of XXXX XXXX. I have now called them twice and verified that fact through my social security adresss and DOB. This is an odvious result of my ongoing ID theft issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation