vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I chatted with a rep by the name of XXXX earlier this evening, XXXX, regarding a payment plan set up prior with another rep. I agreed to pay an amount of XXXX, my last payment made on account ending in XXXX. Additional payments due include XXXX by XXXX, XXXX by XXXX. These payments have been scheduled. However, as XXXX informed me, late payment fees are not waived as part of the payment plan. I did not inquire about over limit fees, however, I believe these should also be waived. I understand the account is past due and over limit, however adding late fees and or over limit fees do not help in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am disputing unfair and deceptive credit bureau reporting information against creditor Capital One. I had settled in full my charged off credit card account with a debt a collector called XXXX XXXX XXXX on XXXX/XXXX/XXXX. The manager at XXXX assurred me that once my account was paid the information would be provided to Capital One at which time the account would also reflect the same type of reporting to the credit reporting agencies. Since I settled this account in full, Capital One has been reporting incorrect information about this account to XXXX, XXXX and XXXX. I disputed this account with all XXXX of the credit reporting agencies, requested a FULL DELETION and achieved absolutely no results, no help and no explanation whatsoever on why the incorrect information should remain the same. I then receive a letter from Capital One dated XXXX/XXXX/XXXX acknowledging my disputes however the information the credit bureaus provided to Capital One may not have contained all the information to fully understand my dispute so they requested I send supporting documentation. I cooperated and sent over all supporting documentation to Capital one. I called Capital One last week Wednesday XXXX/XXXX/XXXX to follow up on my dispute and confirm that they are reporting an incorrect Balance of {$320.00} still being owed on the account when it should be XXXX. I then advised that my account shows an incorrect past due amount of {$320.00} which was is also NOT CORRECT. I advised the rep they need to stop reporting the incorrect account info because they are violatng the FCRA. The representative at Capital One refused, was very unhelpful, unprofessional and did not provide me with any proof or support to justify their incorrect reporting to the credit bureaus. I advised her that I would be filing a complaint to the CPFB because I am done wasting my time filing disputes with the credit bureaus and done trying to prove they are reporting bogus information about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
For several months XX/XX/XXXX I did not receive statements on my Capital One credit card. I was on the phone monthly trying to resolve the issue with them. They blamed the XXXX Postal service, but I believe the issue was with Capital One. Their representatives assured me that my payments would not be treated as late because I did not have statements to pay from. As soon as I received a statement, I paid it and even did a couple of wire transfers. Recently I discovered that they reported a late payment for XXXX XXXX. I have NEVER had a late payment in my XXXX years of credit card use and this should NOT be on my record since I did not have statement to pay from. Dating back to XXXX XXXX, I have contacted them several times to have this removed from my credit report. They agreed when on the phone but they never sent the update to the credit bureaus. Today, I conferenced XXXX and Capital One on the phone. During that call, Capital One stated that they never sent those updates to remove that from my record and that they were not going to. So, for months Capital One representatives have been lying to me. During my calls, they would never put anything in writing for me because of " policy, '' but I see now it was because they were flat out lying. A " Late Payment '' should NOT be on my credit report record because of Capital One 's issue with statement processing. This is the only blemish on my XXXX years of credit and I was NOT late. THIS IS WRONG! They are a terrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I 'm in the process of purchasing a house and the lender provided more evidence of Capital One 's dishonesty. Attached are XXXX pages of a credit report showing CapOne has intentionally made false derogatory statements on my credit report. 
1. acct. # XXXX - Their last report to the Credit Bureaus was on XXXX, XXXX. They continue to show a {$20.00} balance and the balance to be due is {$25.00} when none is owed. 
2. acct. # XXXX - Their last report to the Credit Bureaus was on XXXX, XXXX. They show this account as XXXX balance owed from the XXXX, XXXX bankruptcy but keep reporting it as late payment un derogatory statements as recent as XXXX, XXXX. 
3. acct. # XXXX - Their last report was on XXXX, XXXX and they show a balance of {$430.00} owed when there is nothing owed and should show XXXX balance. This is from their taking over XXXX in XXXX, XXXX problem they created. 
I filed a complaint regarding some of the issues CapOne was doing but it did not include all of them. That complaint is # XXXX. It was filed on XXXX XXXX, XXXX. CapOne is not resolving this issue and I would like cfpb to do so. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I remodeled my house ; purchased most of the materials from XXXX using their " 6 month same-as-cash '' offers. I had numerous balances on these " 6 month @ 0 % '' offers that expired in different months ( or incur deferred interest ). I was paying close attention to my offers and paying off those balances when they expired, and asking for anything over the minimum payment to be applied to my " regular purchase balance '' which is charged 25.24 %! 

Capital One has a disclaimer to get around applying anything above your minimum payment to the next highest interest rate balance - they apply anything over your minimum payment to the currently expiring balance and then to the NEXT expiring promotional balance instead of applying it the next highest balance ; the " regular purchase balance '' earning 25.24 %! 

I have asked them not do this on my account, and they tell me it 's automatic. I tell them that I am directing them to apply my payment to different balances instead ; I get the run-around every time. I have to talk to a supervisor, then I 'm on the phone for HOURS - as they try to confuse me, then eventually offer to wipe the interest fees. They never do correct the balances on the various promotional offers, so the issue never does get fixed. I have to call them back every month and go through the whole thing again. I 've spent HOURS on the phone EVERY MONTH with a different supervisor applying my payments manually. Then they still do n't apply it correctly - the balances are all wrong, when I try to get it straight, they just talk about all the difference balances, tell me the same thing in a different way, attempt to confuse me, etc. They refuse to apply my payment how I ask them to AND how it is required to be applied according to CARD Act of 2009 ; which is minimum pmt, payoff promo balance expiring that month, then apply anything over that amount to the " regular purchase balance '' - the balance with the highest rate. 

It 's a struggle every month to request that my payment over-and-above the minimum payment be applied to the balance with the highest interest rate. 

This clause " If you have Same As Cash Credit Plans, we will automatically apply payments received during the final TWO billing cycles and up to the date of expiration first the required minimum pmt due and next to the plan ( s ) that is expiring, in order of expiration ; at other times, we will treat your Same As Cash Credit Plan as having a 0 % APR for purposes of determining payment application. '' This allows them to pay off a balance that is sitting at 0 % for another month instead of paying off the balance sitting there at 24.25 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I maintain several credit card accounts with Capital One. On my XXXX Business Credit Card, they apparently have the option to charge a XXXX XXXX of 29.65 % if you are late for an indefinite period of time. Prior to the penalty, I was paying 12.99 %. I have a great payment history with on-time payments, but when I changed banks due to a move, I was late by 4 days, resulting in the increased interest rate. I find it egregious and unfair and would like to submit my complete dissatisfaction with this policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One is reporting a charged off debt that I have wrote them several times with proof that the debt is not mine. I have provided them with copies of my Identification, social security card as requested, I have disputed this inaccurate information with XXXX XXXX XXXX XXXX XXXX times as well and they have refused to correct the information Even though they have collected the full amount of the debt from my son who has a similar name as mine. Whose debt this is in the XXXX place. A fact that I have pointed out to Capital One and all XXXX Credit Reporting Agencies. with no change from either agency or Capital One. Furthermore I have been Denied a credit card because of this false report. I thought that if I provided proof of who I am that Capital could distinguish between father and son given the birth dates, Social Security card and State of Michigan issued ID cards, but the last response I got was a refusal to remove their error from my credit report. I have been struggling to get them to take this information off of my credit report for years now I have had enough from Capital One this is an organization who seems to believe they do n't have to answer to anyone and they can report anything they wish about anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a Cap One credit card. Because I was late with a couple of payments, my interest is now 29 %. I do my best to catch up, however what follows is what happens ; I started out with a {$3000.00} balance. I have not charged on the card in over XXXX years. However, my balance is only down to {$2300.00} because of the add ons. If I pay {$200.00} and its not the total amount due, I am charged a {$45.00} fee, plus over % 50 interest. Therefore I can not catch up. Ive actually paid over {$4000.00} in the last XXXX years but still owe {$2300.00}.!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One denied charges incorrectly stating they were fraudulent. 
Upon first request for information, they advised that a previous charge was potentially fraudulent because they did not receive XXXX ( which is odd, because the charge was swiped and approved ). Then they advised that the charge in question was out of pattern ( which is also odd, because they 've approved transactions at the merchant before ). 
Finally, they decided to cancel my account and could do nothing to assist in continuing the relationship because it was a secured account. This seems in complete violation of good faith negotiation and federal law and would not guarantee any kind of resolution or response to my complaint. Therefore, I felt compelled to file it with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I loss my son back in XX/XX/XXXX. I have tried working with Kohls and they just closed my account on me even after I spoke with someone on the phone and let them know what was going on. So I mailed a letter on XXXX/XXXX/2015 asking that the phone calls stop and I get up to XXXX calls a day that I can prove if needed I will get a copy of my phone bill. The number call from ( XXXX ) XXXX ( XXXX ) XXXX I know for a fact once a company has received notice not tocontact by law they can not call you by phone anymore. I 'm getting these calls everyday. I want it to stop. I know they received my letter because on XX/XX/XXXX telling me to call the XXXX number to set some type of payment plan. I feel that they have violated my rights and thinking about looking into what my rights with the federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a credit card with Capital One. I was told I needed to submit more information before the account can be opened. I never followed up on this card and decided I did n't want the card. About a year later I get a statement with {$0.00} balance. I was confused because I never followed up with the information they requested on the initial application. I called and requested this account to be closed, I was told they could not close it until I provided the information requested to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital one has been charging interest for years for cash advances that have not occurred. I have ask them to take these off many times but they refuse to do this. Their answer is that I took an advance out in XXXX which my statements show are not true. I have been unable to work this out with them. When on the phone they put me on hold for XXXX minutes with no final conclusion. Their responses are rehearsed and it is clear to me that I am not speaking to anyone who can rectify this. I have all staements from XXXX that I can send to an e-mail address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capitalone is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it almost exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s ). I did make a payment in the amount of XXXX, however, a stop payment had to be placed due to insufficient funds. My paycheck amount this week is lower than usual due to a payroll discrepancy, a stop payment had to be placed as the payment was already in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: RI

Complaint narrative:
I have applied for a Home Affordable Mortgage Program ( HAMP ) with Nationstar several months ago and have continued to make payments on my mortgage however Nationstar has delayed addressing my HAMP application and continually requests documentation that is not relevant to process my application. I wrote Nationstart long before I had a problem making payments on my mortgage after I lost my job and warned them that I would have problems due to a loss of income. I have provided documentation requested in the HAMP application process and have repeatedly followed up to request the status of my application however I have not gotten a response on the status other than requests for information that is unrelated for approval. I have looked on my account and no longer see the documentation that I submitted through there online application process but have emails with the documentation that I provided. I feel like Nationstar is giving me the run around because I have a huge amount of equity in my house and would rather take the home in foreclosure if I ca n't pay as opposed to processing my HAMP application and taking a reduced mortgage payment. I have owned the home for 13 years and have never had a problem making payments until now. I only ask for fairness and due process for my HAMP application. Lastly, I have put my home on the market, as of XXXX 2015 and expect to receive a reasonable sale price if given the time. My home is quite expensive, especially in the Rhode Island market, and will take some time to sell but the HAMP program will allow me to make payments until the home is sold.

Company response to consumer: Closed
Consumer complaint received 2015-07-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I RECENTLY MOVED AND CHANGED ALL OF MY CREDIT CARD BILLS TO MY CURRENT ADDRESS ( USING AN ACTUAL REVERSE SIDE OF BILL TO UPDATE ADDRESS. CAPITAL ONE HOWEVER DID NOT RECOGNIZE THE CHANGE AND SENT THE BILL TO MY OLD ADDRESS. MY BILL WAS LATE AND THEY PLACED A NEGATIVE MONTH ON MY CREDIT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One 360 closed an ATM dispute not in my favor, and insists on charging me XXXX dollars that I did not actually receive from the ATM. When Capital One responded to my dispute, they failed to provide me with documentation, instead only sending a message saying the owner of the ATM had provided what they allege to be sufficient documentation. 

What is this, use ATM at your own risk, and risk being charged for money you do not receive? 

On XX/XX/XXXX I used an ATM, attempting to pull XXXX dollars ; however, only received XXXX dollars. I immediately that day called Capital One, who issued a provisional credit on XX/XX/XXXX, but then took it back on XX/XX/XXXX. 

I spoke today XX/XX/XXXX with XXXX, supervisor Id XXXX regarding this issue. She refused to reopen the dispute, refused to let me appeal the decision, and refused to let me speak to anyone higher up.

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

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX ] Account Number : [ XXXX ] [ XXXX/XXXX/2016 ] To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit report contains late payments on my Capital One account. 
I want you to know that I understand my financial obligations, and if it were n't for my job cutting my pay then I would have been able to make full payments instead of partial payments. I 'd have an excellent repayment record. I made a mistake in falling behind, but since then, I have received a pay raise and will be able to pay on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I paid off my XXXX XXXX account through Portfolio Recovery on XXXX XXXX, 2016 and after several ( XXXX ) attempts to get a Letter of Satisfaction, I have yet to get XXXX AND the debt is still showing on my Credit Report. I have called, emailed and mailed a request for a letter. Every time I call, they say that the letter will be mailed out and I should have it in a couple of days since I live within XXXX miles of the office. I feel that this is " NOT '' a reputable company and I am now out of over {$1500.00}. If I have to subpoena them to court, I am going to ask for my payment back!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a home mortgage recently to find out a fraud Credit Inquiry from Capital One on XXXX/XXXX/2016,. This pull effects my score, i contacted XXXX and they advised i needed to contact the creditor directly. I did so just to be told it needs to be disputed through XXXX. NO help on either end and NO way to dospute, I have faxed this documentation from Capital on over 8 times and they still refuse to remove it. I Would like Inquiry removed ASAP!

Company response to consumer: Closed with explanation