vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-02 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had transferred a balance to the Capital One credit card with promotional rate of 0 % interest. However the promotion was ok in first month but Capital One started charging interest on the balance, increased my minimum payment, which resulted my automatic payment to fall short and charging more fees on top on the interest rate. I called XXXX XXXX and they " opened '' a case saying they have to review the call recordings and in 2 to 3 weeks someone will call back. i said that is too long, the rep supposedly increased the level and said someone call you in a week. Its been about month with no calls and no change in the account regarding interest rate and promotion. I called after XXXX weeks passing and still no answer i am told by a manager capital one needs few more weeks with no guarantee and they are waiting for another info from another department and giving me no information nor working with me to resolve the issue, which initially they said they have to listen to the call, if they listen to the call its clear on the call and they will see the truth. This is costing me over {$200.00} in interest fees and much higher minimum payment resulting in financial problems. I need this taken care asap. Its a simple fix. No one transfers {$18000.00} with interest rate of over 20 %. All they have to do is listen to the call that i made the transfer on. It is clear on the call. More time passes they are gon na they do n't have the recording anymore. This is fraud and stealing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I paid for a product from XXXX and i was scammed by the merchant. I returned the product and contacted Capital One to dispute the charge. I was told that i had consumer protection for charges such as this. Capital one refuses to refund the charges stating that the tracking number for the returned product is not enough. I feel defrauded by Capital One and the scammer merchant. Where is my protection from fraudulent charges?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XXXX XXXX, 2015 I went to a Capitol One Bank in XXXX to withdraw cash on my credit card while waiting for my PIN number to be mailed to me. I withdrew {$50.00} in cash. The next day, I discovered that I was charged a {$10.00} Cash Advance Fee.. 
The card number is : XXXXThis was originally an ING Direct account. As you know ING Direct was forced to sell their American holdings to Capital One a couple of years ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was approved for a Capital One Quicksilver Rewards Card. The cards came in the mail so Icalled to activate it. The lady on the other end said I had a bad connection but continued our conversation. I was on a landline so a bad connection was not likely as I use this phone daily and I could hear her perfectly. She asked could she call me back at another number. So I gave her my cell and she called back in about 20 seconds. Into the conversation and after several questons that she could not pronounce well enough for me to understand she tells me that she ca n't activate my cards because she is not talking to me on the number listed on my account, but she is the one that called me. She tells me I have to send in documentation to prove who I was. I called back on Monday morning and talked to a supervisor and she told me the same thing about sending in documentation. I had the supervisor close the account. I understand their fraud protection guidlines, but they went above and beyond to treat me like a criminal. The strange thing is she trusted me enough from the information I gave her to close the account but, not activate it. I do n't appreciate it and would like for others to be wary of Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have been a Capital One credit card holder for many years. I have never missed a payment. Earlier in the year, I missed the minimum payment by mistake ( although I did make a payment ) and I did not receive any correspondence on this issue from Capital One. They have sense charged me a XXXX dollar a month fee every month sense and recently charged me late on my credit report for XX/XX/2016. As soon as I was made aware of the issue I resolved it with them. But this required me to call customer service and go digging around in past statements. I am very upset that this issue took a year to resolve, hundreds of dollars and XXXX communication from Capital One. Also in reviewing my credit card statements in trying to resolve with Capital One I could not get an explanation on why I was charged a late fee in XX/XX/XXXX when the payment was made. It just appeared on my next statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The department store credit card changed financial institutions that services the account and since that conversion, I have not received any paper statements nor an email notification that a paperless statement is available. It is now XXXX and my payment is due on XXXX and I have not received any statement telling me what my minimum payment requirement is. I understand that the statements are supposed be generated 21 days before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had fraudulent charges on my card. After receiving notification that I had payment due I reviewed my statement and found that my card was missing and had been used in florida. I contacted Capital One, the card issuer and notified them on XXXX/XXXX/15. After not receiving a provisional credit back to my account I contacted CFPB to make a complaint. Capital one then reached out to me and said that to go any further with my case that I would HAVE to file a police report, and that this was because I had made a complaint in the first place and that my case had been escalated to management. After research I found that this is against regulation E to require a police report. Bottom line - I did n't make the charges, they should be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid cash for a vehicle in 2013. There was a balance due when I left thedealership and was given x amount of days to pay the remainder off. I thoughtI had but there must have been a {$100.00} balance that was 2 weeks late. 
NOW I have this on my credit report and they REFUSE to help in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: MT

Complaint narrative:
Purchased vehicle and my credit report showed a new collection account from Credit Collection Service. XXXX XXXX XXXX XXXX MA XXXX. Original debtor XXXX XXXX. It caused an increase in interest from XXXX to XXXX and an overall cost of {$1600.00} in the length of my auto loan. I do not owe this debt. I have no idea where this could possibly come from.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I applied for a Capital One secured card in 2014, which is advertised as a way to rebuild credit. I was approved with a deposit that I was told that I would get back after showing good usage of the card. I was even told that my card could be upgraded. However, though I 've never been late on a payment, when I attempted to get my deposit back, I was told I had to close the card. Capital One has even increased the credit limit on my card without an additional deposit and without me asking. 
Capital One can not advertise a card as helping to rebuild credit and promising people to get their deposits back when you have to close the card ( hurting your credit ) in order to get your deposit back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX Account Number : XXXX XXXX Case Number : XXXX and XXXX I authorized a XXXX card payment of {$360.00} on XXXX XXXX, 2016 during a telephone call to a XXXX XXXX XXXX, representative of " XXXX ''. The {$360.00} payment was with respect to a 20 % deposit for a cruise vacation package. I was prepared to risk loosing this {$360.00} payment, as there was a possibility that work commitments could prevent me from taking the vacation. 
( I have no dispute with " XXXX '' or Capital One with regards to this {$360.00} amount ). 
My dispute is based on the fact that on XXXX XXXX, 2016, without my authorization, " XXXX '' took the balance of {$1800.00}. It would appear that the " XXXX '' representative simply choose to process the {$1800.00} payment on XXXX XXXX, 2016, using the XXXX card number details that had previously been provided. 
During our XXXX XXXX, 2016 telephone conversation, XXXX XXXX XXXX, agent for " XXXX '' was adamant that I had provided necessary authorization during our initial XXXX XXXX phone call, and advised that a refund would not be made. It would appear to be a case of XXXX XXXX XXXX 's word verses mine. 
When you phone the " XXXX '' telephone number ( XXXX ) a pre recorded message advises that the telephone call will be recorded. Therefore, if " XXXX '' are operating in accordance with their own procedure, they will have a recording of said calls. 
On at least three separate occasions, I have made written requests to XXXX for them to request " XXXX '' to share telephone recordings, in order to establish the validity of XXXX XXXX XXXX 's claim. 
I have made several requests to XXXX for the return of {$530.00} owing. XXXX has responded, saying that they are unable to assist, and assigned a " case closed '' status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My auto loan is with Capital One Auto Finance and I have fallen behind on my payments. In XXXX, 2015, they sent me a loan modification form, but I did not meet income requirements to get approved. My situation has changed and I now meet the income requirements, but they are saying I am not eligible for the modification. They can not, or will not tell my why I am not eligible so that I could have the opportunity to fix the problem and make myself eligible again. Because I have bad credit, I am paying 11.95 % interest and a payment of {$710.00} for a XXXX Pathfinder, and on a fixed income, this is just not doable. Why was I eligible for a loan modification in XXXX, but not in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have attempted to file this claim directly with the organization involved, Kohl 's, but they have refused to take action. I was coerced under false pretenses to sign up for a Kohl 's charge card. A sales associate came around while standing in line and asked if I would like to sign up for a Kohl 's charge to receive XXXX % off. I was aware of the Kohl 's policy regarding certain exceptions about items. I inquired with the associate if there were any exceptions regarding this item, she informed me that there were not. Immediately after, I inquired if I signed up and was approved for this card if I would be able to use a personal credit card other than the card I was approved for. They acknowledged that I was able to do this. I was walked over to a separate register and applied for the card and was approved. She rang up the item and the discount did not apply. She said that was her mistake and acknowledged I asked if there were any exceptions and that a manager would very easily be able to correct this problem. After approximately XXXX minutes, an assistant store manager arrived and advised that this was an exception and I would not be able to honor the discount. He was informed by the employee that this was promised to me and he continued to advise he would not honor it. I also informed him that I was told I could put this on my personal credit card. At this point he went off the deep end and became extremely aggressive and began yelling at me. I told him that as my credit was already run and it would affect my credit score so I would like XXXX of XXXX resolutions, either remove the credit check from my credit history and charge me the full price, or authorize the discount and let me use my personal credit card as promised. The store manager ( named XXXX ), refused to do either of this and began yelling. He told me that I had XXXX of XXXX options, either be forcibly removed from the store by security or put the item on my Kohl 's charge card with a discount. Intimidated and scared, I agreed to put it on my Kohl 's charge card under duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
USAA has been intentionally deceiving consumers with their website and mobile app. They set up a draft from an account which was supposed to be changed ages ago and never was. They intentionally left the draft in place and did not switch to my new bank. It creates the look that the loan was being paid but it was not. The loan amount reverses the charge and creates both a late fee and a penalty in an account that is supposed to be dead. This is to the amount of $ XXXX/month extra!! The mobile app is set up in such a confusing manner that I did not see this until I really started to investigate on the computer. Their mobile app also does not function. There are error codes ( I have screen shots ) that do not allow payment at times. This is also intentional and designed to layer their pockets at the cost of the consumer. These complaints are with the home loans as well as the auto lending and are all over the web and their own site.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I submitted a complaint to you around XXXX XXXX, but for whatever reason, I do n't think it made it to you as I have not yet received a confirmation email. This is what was submitted : There were XXXX unauthorized ACH withdrawals from my checking account this past XXXX XXXX and XXXX XXXX. I notified my bank after this first group of XXXX unauthorized withdrawals and told them to block any ACH withdrawals from this person. They assured me this was done and refunded my account the XXXX unauthorized ACH withdrawal amounts, without explaining how or why this happened. Thankfully, the amount of the first set of withdrawals was relatively small ( under {$300.00} ). This past month I noticed XXXX more unauthorized withdrawals ( totaling {$390.00} ) and after doing research, I found they were from the same individual as the XX/XX/XXXX/XX/XX/XXXX withdrawals. I again notified my bank on XXXX XXXX. On XXXX XXXX the last of the XXXX ACH withdrawals was refunded. I insisted on an explanation of how they allowed the same individual access to my checking account, after telling them never to allow this person access following the first occurrence in XX/XX/XXXX/XX/XX/XXXX. They said there was an " error '' made and that they assigned my checking account number as this individual 's MEMBER NUMBER and further explained to me, he used this MEMBER NUMBER to set up ACH withdrawals. They also explained their investigation concluded this individual was not committing fraud ( ref USAA response, XXXX XXXX, XXXX ) despite my complaint of fraud by this person. I wrote them back telling them they were totally at fault for assigning my account number as another individual 's " member number '' and this individual should be investigated further. I explained this individual was committing bank fraud because you can not set up ACH withdrawals with MEMBER NUMBERS, just routing and bank account numbers, and his NAME against my account number should have triggered a fault in the USAA bank security system, and should not have allowed processing of his ACH withdrawals against my account. I have asked many times for an explanation from USAA, only to get bits and pieces and excuses why this happened. Their bottom line solution was to advise me to open another account, which I did on my own anyway. I do not see how opening a new account assures bank account security within USAA, and want to know if USAA Federal Savings Bank can be held liable for damages and failure to provide security of bank funds. Additionally, I feel they are liable for these gross errors in assigning my bank account number ( and who knows how many others ) to another member and then processing ACH withdrawals under mismatched account numbers and account owner names. Attached is the history of my conversations with USAA bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
ive been divorced and separated from my ex wife XXXX, since 2007, we were not together and i did not sign or know anything about this debt, it 's been in my credit report for almost a year, ive filed a direct dispute and they did not and could not give me any information on this debt, since the persons name is XXXX, not my name XXXX, i gave them her current business address ( which she is owner of ) as well as her parents address, this is not my debt i 've asked for it to be removed, and it still has n't, i have not received anything in writing or anything stating any information on this, i contacted the hospital, they could n't give me any information because my name was not on this, i need this off my credit because its giving me a bad score and history, i have disputed it with the hospital, with the agency and with CFPB and have not heard anything on this matter, please delete from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
after months of trying to work with USAA to straighten out the loan. mostly due to their fault by not taken the money, they repossed my car on XX/XX/2016. after which I called and asked to stop payment..they told me NO.. then XX/XX/XXXX they sold the car at auction..I have yet to hear of outcome.. XXXX XXXX 2016 the proceded to take a payment from my bank account and causing me to " bounce '' a payment..and then charging me a XXXX dollar overdraft fee..and now they want me to pay them XXXX dollars..i have called and after being transfered several times they hang up on me..I belive that USAA is a no good company..thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
I had Auto Ins with USAA. I had my monthly payments charged to my USAA credit card, I paid my credit card each month. Last XXXX 2015 I had a double billing. Instead of approximately {$62.00} ( a normal single month ) it was for {$120.00}. I was told they had changed the way their billing was done and the double payment was for the months of XXXX and XXXX 2015. It was a one time double billing. I also have it in writing from XXXX of their Customer Servicer Reps. I paid this double billing on XXXX XXXX, 2015. I sold my car at the end of XXXX 2015 and notified USAA right away and cancelled my insurance. Thus ending any further payments. They continue to bill me for that last " XXXX '' month period. Claiming I never paid it. 

I have offered to send them the cancelled check, I have asked and told them to STOP calling me, they continue to call. No matter what I say to them, so matter how I explain it to them they just do n't get it. I paid them! I told them flat out I do not owe them anything and I will not pay them and to stop calling me. They continue to call me. 

I want this to stop, please! Enough is enough ... ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: GUARDIAN MORTGAGE COMPANY, INC.
State: TX

Complaint narrative:
GUARDIAN MORTGAGE company in XXXX Texas and XXXX Texas have mishandled my loan application to purchase a home in many ways, making mistakes, causing delays that cost me money, providing no explanation or transparency for the process. There seems to be a disconnect between the central office in XXXX and the XXXX office. The broker handling my case was careless, making mistakes, forgetting to follow up. The loan officers in XXXX are badly managed and trained. 
The whole experience was frustrating to say the least. I had to send documents several items, the staff were rude and indifferent. 
Avoid working with this company.

Company response to consumer: Closed with non-monetary relief