vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital one sent me an approved offer and opened the card but i did not like the car because of the credit limit. I tried to cancel it but their rep told me its a good card to have as it is related XXXX and u will get discounts. I hardly used it. One time i did not get their bill so i called them i found out i was one day late. i was upset as i m never late in payments. so i made the payment and told the rep to close it. what i found was for that one day late payment they reported my account as delinquent.. and since then i m regularly being denied credit. so i looked at my credit report and it was all clean except capital one all paid and closed but one day late. i talked to XXXX and they say it will remain in my file for 7 years. this is radiculous and destrou ying my credit rating and i m not able to get any loan despit a good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I contacted Capital One Bank 's customer care handling credit card payments on Wed., XXXX XXXX, 2016 at XXXX XXXX. as soon as I arrived home from work. Payment due then and I wanted to submit my first payment. Bank had closed and I went online chat to make payment. The customer service person stayed away from the phone so long that I sent chat asking if she were assisting another customer. Once she returned she said another department would assist me. It was XXXX XXXX. then XXXX where I reside ( XXXX, Texas ). A guy came on line and when I told him that I wanted to make my payment, he also took awhile to return to chat at XXXX XXXX saying what I already knew -- my payment due today. He continued saying that since it was after XXXX XXXX my payment is officially recorded as being late! I informed him that it was slightly passed XXXX XXXX my time, but he did not care. I told him that I would take this matter before CFPB. This morning, XXXX XXXX, I visited Capital One Bank to speak to the manager at XXXX but he had not arrived and they were short on staff. I had to get to my job and waited as long as I could but it was just taking too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services XXXX XXXX XXXX, MA XXXX you call this XXXX ( XXXX ) XXXX and they ask for your number to access your account and then they hang up the phone. This happened to me twice when I called. Can something be done about this?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
We submitted the mortgage application with Capital One Home Mortgage, we received the conditional commitment letter, and we also addressed all the conditions specified. After two weeks, the loan was denied, and the only reason from the Bank was " Do Not Offer Term Requested ''. This very irresponsible practice, and why accept my application initially, and why issue a conditional commitment letter? They can not find any fault in my loan application, my credit history and my financial status. I think the bank just want to back out their commitment and not offering me the loan. This is very irresponsible, and no one is willing to return phone calls or email inquiries from both me and my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One has associated my phone number with someone else 's delinquent account. They are calling me every XXXX hours and will not remove my number from the other persons account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
My auto company CNAC makes repeated calls to me and XXXX other people that are my friends and relatives no matter how many times I give them what they need. It wo n't stop and it needs to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was interested in re-financing my existing 5/1 ARM with Capital One, which is in its XXXX year. Their website ( capitalone360.com ) states 5/1 loans are available with no closing points. I called to start the re-finance application and was told that I would have to pay 1.25 % in points. This was not disclosed anywhere ontheir website. The loan I wanted for 0.00 % points was only available for a home purchase ( not re-finance ) with at least 40 % equity ( I have over 80 % equity ). Nothing on the website indicates these conditions except for the example of the monthly payment. This is basically a bait-and-switch tactic and misleading in order to get me to call for a loan and charging me for something else at a higher cost than advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX/XXXX/16 I spoke with a representative at Capital One resolutions department that offered me a settlement on a very old charge off account from many many years ago. XXXX representative assured me that if I paid the {$840.00} settlement offer, then the balance would be considered settled in full and would be updated with the XXXX credit bureaus to a {$0.00} balance. I made the settlement payment on XXXX/XXXX/16. This week my account was updated with the credit bureaus to a {$280.00} balance. This is not correct. This needs to be updated to a {$0.00} balance as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I believe the bank Capital one 360 has charged me more than once for an online purchase but I have reached out to XXXX and the bank but they are only showing one transaction. As of XXXX XXXX I had an available balence of {$830.00} on XXXX XXXX my available balence went down to {$300.00}. This is not the first time they have charged me {$230.00} but they have deleted that in my transaction log and they keep moving it up to the current date. HELP XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a Capital One Venture credit card. When I received the card and called the number to activate it, it said that there was a fraud alert, and I was sent to their fraud department ( which is werid since the card was n't even active, but upon further research I discovered that this is standard process for them ). When I finally got to someone they said I had XXXX options 1 ) to fax or email copies of various documents including my social security card, pay stub, license, and birth certificate, but they admitted this process could take months since there can be a back and forth if the image quality isnt to their liking or I could 2 ) Go to any local bank, call Capital One and hand the phone over to a bank representative so that they could verify my identity. I was strongly encouraged to follow the XXXX route, even though it sounded sketchy and unprofessional since they had no agreement or arrangement with these banks and were putting the customer through an awkward process. After arguing with them about how scammy and unprofessional the process was, I decided to just try it, and no suprise XXXX XXXX XXXX said they thought it sounded like identity theft and they wanted no part in it, and actually thought I was trying to steal information from them. That was the last straw, I called Capitol One to cancel the card and be done with them, but they said that I couldnt cancel the card since there was a fraud alert, so I still needed to send them copies of all of my private financial documents or visit another bank branch hoping they would play ball. This feels like a scam, and if it isnt, its unfair treatment of a customer, and they are asking for a lot more information than they need and doing god-knows-what with it. I dont trust this company with my info and regret falling for their airline awards sign-up bonus trap. This is such a problem that their is a website dedicated to it ( which I would have done more research on this ) XXXXXXXXAfter hours on hold and being passed around and refusing to give my information to cancel, I finally got a manager who would do it. Now my credit score will be hurt by canceling a card within 30 days, can anyone help with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
CFPB complaint XX/XX/2016 This is request for Capital One Bank ( USA ) , N.A . for the address to send a credit reporting dispute and request investigation, of a master card, credit card issued by creditor/furnisher, Capital One Bank ( USA ) , N.A . reporting on my credit report. 
You website stated the following : " In addition, because Capital One does not have a designated custodian of records, a subpoena must be directed to the Capital One entity that maintains the requested records. The primary Capital One operating entities from which records are customarily requested are Capital One Bank ( USA ), N.A., Capital One, N.A., and Capital One Auto Finance. Capital One Bank ( USA ) , N.A . offers credit and debit card products, other lending products and deposit products. Capital One , N.A . offers a broad spectrum of banking products and financial services to consumers, small businesses and commercial clients, including traditional banking and credit card products. Lastly, Capital One Auto Finance, a division of Capital One, N.A., offers automobile financing products. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Over the phone purchase was made XX/XX/2016 frrom saks XXXX..Did not receive purchase From.Saks. XXXX claims they have signature of mind ITS not possible .File claim with XXXX they said shipper must file all claims.because of the agreement with saks..Saks never file claim I would like your help to dispute this claim. Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I had a car loan on a XXXX XXXX in XXXX from Capital One. I believe in late XXXX or early XXXX I had to file Chapter XXXX due to having an acute XXXX. The amount owed on the car was approximately XXXX, but due to filing Chapter XXXX, the amount was dropped to the value of the XXXX XXXX to XXXX. XXXX XXXX, XXXX, I got into XXXX which caused me to also lose my job. I could no longer afford making my bankruptcy payments, and my car was totaled. I ended up paying my car off as an agreement between my attorney and Capital One in the amount of the approximate XXXX, however Capital One is now saying that I still owe the difference, of approximately XXXX. I am now on XXXX because of XXXX the accident caused. Capitol One is not honoring the agreement they made with my attorney and it shows as a negative on my credit report each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan through CapitalOne for a home mortgage in CA, which I entered into in XX/XX/XXXX. I became long-term unemployed in XX/XX/XXXX. When I requested that a loan modification be done, and work to create a relief plan, CapitalOne and it 's associated acted in may ways that were in violation of the CA Homeowners Bill of Rights, including dual tracking me and failing to provide a single point of contact during the modification discussion. Further, CapitalOne refused my request to use a different index than XXXX for the APR of my mortgage. XXXX is a known fraudulent index which has been widely reported to have been knowingly manipulated by banks and there have been many federal, state and international fines and penalties associated with the " rigging '' of the XXXX rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
have reached out to capital one by mail and as they are4 a bank and they refuse to call me and when i do call them they refuse to transfer me t multiple depts the correct department to change and modiffy due date to reflect my social security check and i was told at one point if i call back and pay XXXX to get my account current they could change my due date and suspend al further late fees ; i also did reach someone who mentioned my credit limit was XXXX but i somehow owe XXXX currently ; capitol one case number XXXX each time im transferred they ask me to verify my identity each time ; i need you to reach out to them and get someo0ne in senior collections to process the suspension of all late feees dept and change my due date and i would like an investigation how my credit limit is XXXX and was told XX/XX/XXXX i did a atm withdrawel and in six monthsthe balance has grown by over XXXX mr XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
We had a Home Equity Loan with Capital One Bank in LA. It was setup that the payments were automatically taken out of our account each month. At end of loan the last payment was NOT withdrawn for balance owed as the amount was lower [ not same amount ] than all the other payments and they did/do not, unbeknownst to us, withdraw from our account. Within 1st wk after payment should have been withdrawn I began trying to contact bank, emails & phone, to find out how and who to contact to see what happened to payment. Took about 3 wks to find person that told me about not withdrawing last payment and took payment information from me to close loan out. I WAS TOLD IT WOULD NOT BE REPORTED AS DELINQUENT. I have recently contacted bank again and was told " we DID NOT report as delinquent, a late payment ''. XXXX is showing this account " 30 days past due ''. Final payment was due in XXXX XXXX. Balance payment was made XXXX XXXX after Final Due Date as it took that long to find someone that knew what happened and was able to assist me in paying off and closing loan. XXXX, XXXX or whoever has caused my Score to drop at least XXXX points. Still good Score but it should be better.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Brelvis Consulting, LLC
State: AR

Complaint narrative:
I was solicited by a representative from The Student Loan Help Center, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX the representative solicited funds to help consolidate my student loans and I just recently was notified by the servicers of the loans and they are not consolidated and I have to pay more money to them than what was discussed by the representative at The Student Loan Help Center. I am paying XXXX organizations for my student loans which has placed me in a serious financial bind and my student loans are still not paid off or my payment is very high. 
This has caused severe financial hardship for my household as a single mother of XXXX. Please help me with this matter and the return of the charge of {$1200.00} that The Student Loan Help Center charged me for a service that I did not receive.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: GA

Complaint narrative:
The original creditor is workout anytime XXXX for a balance of XXXX. My final balance was as follows per an email to me on XXXX/XXXX/2016 : Contract payment {$45.00} Late/Service fees Cancellation fee Total Due to Cancel {$45.00} Cancel date XXXX/XXXX/16 The payment was to be drafted from my checking account which is active to date. I am not sure why it was not nor was I contacted regarding any issues. I had no idea this was a problem until I received a collection letter from Seas and Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I dispute the validity of this debt. 
I do not believe I owe this debt for the following reason : The debt is too old and may be time barred. There has been no activity on this debt since 2007. 
I request written verification of this debt in the following form:1. I request the date of the last payment made on this debt. 
2. I request any and all information pertaining to this debt including date of agreement. 
Until such verification is received you may not contact me in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I dont know who filed for a capital one card

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been grossly overcharged with monthly late fees unsubstantiated. I opened an account with Kohls Dept. Store in XX/XX/2015. I purchased {$280.00} total! I made payments of {$390.00} overpayed by {$110.00} based on purchases. In addition to the payments including interest, I was overcharged every statement with late fees, unjust. I have been scammed by Kohls in the amount of {$440.00}. I want and demand a refund of the erroneous charges for the past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I was coerced by Capital One to switch my free account to a fee account. I was told because I was a long term customer there would be no fee. Now {$60.00} fee.now have to cancel. They say I have XXXX accounts not XXXX,. Penalized now for cancelling account. Would not bend when called. They are a terrible company. Also kept raising interest fee for no reason. Have excellent credit. It is usury. Keep your wallet closed for this company

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX/XXXX/15 Capitol One Bank called me and said that someone opened a credit card in Florida on XXXX/XXXX/15. It was not me. The credit card was opened in Florida and I live in XXXX.

Company response to consumer: Closed with non-monetary relief