vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-24 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
-On XX/XX/XXXX I ordered ACH push transfer from my Capital One 360 Savings account into my XXXX XXXX account. 
-On XX/XX/XXXX the funds were credited and available in my XXXX XXXX account. 
-On XX/XX/XXXX I closed my Capital One 360 XXXX account. 
-On XX/XX/XXXX the funds were withdrawn WITHOUT MY CONSENT from my XXXX XXXX account back to Capital One. 
-On XX/XX/XXXX a Capital One representative confirmed by phone that Capital One reversed the ACH push transfer ordered on XX/XX/XXXX. They executed the reversal without my consent or previous request. The Capital One representative said they do not know where the funds are so they will have to order an investigation that they say will take several business days. 
-At this point the funds are nowhere to be seen. 
-Capital One reversed a perfectly valid transaction already confirmed by the destination bank ( XXXX ) without giving a reasonable explanation of why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My name is XXXX XXXX, On XXXX/XXXX/2015 I logged onto my online Capitol One Account and requested to close my account. I had no balance due at the time. I began an online chat with a Capitol One associate and proceeded to begin to close my account. Before closing the account I asked the capitol one associate, if I owed anything on the account. He replied " No '' rather he told me that I had credit for {$2400.00} in which they were going to mail to me in the form of a, " credit balance refund check. '' On XXXX/XXXX/2015 I received a check from Capitol One for {$2400.00} and notification that my account was closed. 

On XXXX/XXXX/2015 I was billed {$3000.00} by capitol one for a " CASH ADVANCE ADJUSTMENT '' On XXXX/XXXX/2015 I was again billed {$3000.00} by capitol one for another " Adjustment '' I apparently now owe Capitol One {$6000.00}, 2 months after closing my account and receiving a " credit balance refund check. '' for {$2400.00} from them. May I please add that my account with them had a {$3000.00} CREDIT LIMIT! How can I possibly owe them {$600.00}?? Now my credit is being affected, I do not know what to do and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Auto Loan with Capital One, in XX/XX/XXXX I paid off my daughter 's loan I was the co maker on the loan with her. we purchased the Vehicle from XXXX at XXXX XXXX XXXX, XXXX XXXX, La XXXX at the time of purchase Gap insurance was applied to the loan. when we paid the loan off Capital one informed us that we were possibility due a refund of the unearned premiums due to paying off the loan early, I went to XXXX, to request a refund as indicated by the letter from capital one. XXXX filled out the attached request for the refund on XX/XX/XXXX..as of this date we have not received the refund nor any correspondence, I went to the dealership several time, only to be told it would take about 8 weeks. Almost 14 weeks and no response. I am of the feelings that no Gap insurance exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One credit card is in XXXX XXXX XXXX XXXX name. He passed away on XX/XX/2015 and died intestate and insolvent. I have disputed this claim and wish to have this removed from my report. XXXX XXXX, had total control over this account. It was not a joint account. When paying the account each month in full, if I disputed a charge they had to receive permission from XXXX XXXX to talk to me. They should try talking to him now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been receiving documents from XXXX/Capital One Credit Services addressed to someone who does not live at this address and who I have never even heard of and is not related to me in any way whatsoever. I have called and written to XXXX/Capital One and told them this, and also told them to contact the person and get their correct information, but they keep sending me his or her bills, etc. I do not have any accounts with them, so it 's not like this is a mix-up. Someone entered some information incorrectly on their end, or there 's some fraud going on. I do not want this person 's information to end up on my credit report somehow because it 's getting sent to my address by mistake. The person listed on the correspondence is " XXXX XXXX ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one placed XXXX previously removed accounts on my report. Both accounts were closed in 2010. Both were sold to debt collection agencies. Captial One re reported these as new, with a balance, and as they are still owners of the debt. 
It is time barred debt, they no longer own, they have already closed and removed the accounts from my report. Illegal and violation of FDCPA to reopen and rereport

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX of 2013, I enlisted in the military. Prior to leaving I selected to pay my bill in full on my online account for Capital One. After I paid it and reduced the balance to {$0.00}, a {$3.00} interest fee was added that was overlooked. This charge went over looked for the time period I was in training and unable to access my phone or the internet. I had an excellent record of paying my bills monthly and on time, usually in full. Now that I am in the military I have a Security Clearance. I keep having to explain why I have a negative hit on my credit report and it jeopardizes my job. I tried contacted Capital One on a yearly basis to have this delinquency removed and I showed them my orders explaining the situation. They refuse. I can understand someone who is delinquent frequently or owes a lot of money. But this was over {$3.00}. And I paid the entire bill off on the Capital One website. The interest was tabulated afterwards. I am filing this complain because 7 years on my credit report is absurd and highly damaging to my career and would like it removed from the credit agencies. Please see all supporting documents. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
With CapitalOne Bank I have wasted a lot of time during the last 4 months ( since XXXX/XXXX/16 ) while trying get back my money that a merchant stole from me. CapitalOne just keeps putting me through hassle again and again - by making me talk with its reps on the phone, fill out endless paperwork as a formal dispute, explain it all over again and again ... I have already filed a claim with XXXX before on this matter. All useless. The disputed amount keeps being refunded on my credit card and then rebuilt/charged back. I am not going to talk it over here again. Now, my resolution offer is as follows : send me a CHECK on DOUBLE disputed amount. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
RE : IMPORTANT CHANGE TO YOUR ACCOUNTI received the attached letter today stating that as of XXXX XXXX, 2016 I will no longer be able to make additional security deposits to increase the credit limit of my secured XXXX. I am confused as to where it states in the original terms and conditions, which I have reviewed carefully that the bank can do this. 



I 'm confused as to wh

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: LEXISNEXIS
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ny XXXX XXXXXXXXXXXX XXXX e-mail To : XXXX XXXX XXXX XXXX XXXX Ny XXXX Attn : Branch Manager XXXX XXXX XXXX Application has Account Routing #. She is charging For : Lost Credit Cards. I called XXXX to correct problem. I have statement she, s going to correct the problem.. Issue is XXXX XXXX XXXX Account only XXXX Order e-checks. They say, s pay For : Credit Cards out of the e-checks. I sent the money with permission by me as Customer at XXXX fees. {$25.00}. She should have in mail. XXXX XXXX excepted the tracking Form. For : XXXX XXXX. She say, s she did not receive Form. When walk in

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a current credit card from Capital One that the terms have been routinely changed on multiple times since it 's original issuance to me on XXXX/XXXX/XXXX. I have formally requested the original card-holder agreement and terms that were issued from the original XXXX/XXXX/XXXX issue date and Capital One has neglected to provide it to me. They only seem willing to provide me with XXXX from XXXX XXXX that accompanied a new change in agreement/term that I was not properly notified about again. 
The reason that I would like the original agreement is because I remember being offered a much better long term interest rate than what has appeared through the last 3 years of statements that I have received and now reviewed online. I believe that Capital One has not adhered to their original issuer agreement with me and has adjusted their rates upwards at a regular interval over the last 3 years to a nearly 24 % purchase rate. The original rate was supposed to be 14.9 % for 2 years, but I do n't see any indication on my statements of a fixed purchase rate over this period of time. 
Capital One also does not have a single late payment from me as I have had automatic payment established with them from the inception of the account which I have adjusted to pay at least double the minimum monthly payment. I usually follow-up with a XXXX payment each month of much more. 
I have a printed record of my latest request for the original XXXX/XXXX/XXXX card issuance agreement by Capital One 's secure online chat service from XXXX/XXXX/XXXX. " XXXX '' was told by myself that I specifically wanted to check on this agreement as I felt that I was duped on the terms and charged much more money. He told me that he had found the original agreement and would send it to me by mail. I told him that I did not want the current agreement for XXXX XXXX in which the terms had once again changed. He told me that he understood that and would send the original XXXX/XXXX/XXXX agreement. 
I received the XXXX XXXX Agreement in the mail yesterday. I think that Capital One is avoiding providing me with the original card issuance Agreement because they have defrauded me of its terms and do n't want me to be able to prove it. 
I demand to be given this original agreement as I am entitled to it as a card member and suspect fraud has gone on against my account for the last 3 years over my APR interest purchase rate as well as the introductory 0 % that I should have received for longer than was applied to my account. I know that I have most likely lost over {$1000.00} in incorrect interest fees applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I have dispute various inaccurate reporting on my credit reports that were never resolved. I disputed some late reporting from Capital One Bank, XXXX, XXXX, XXXX and XXXX with these creditors themselves and also the XXXX major credit bureaus ( XXXX, XXXX and XXXX ) . The creditors violated the Federal Law by not sending me a mail 30 days after inserting the negative marks on my credit reports.I used the Law to call them on it but instead they only sent me a bunch of old statements that did not address the problem. Furthermore the credit bureaus told me they will not investigate these items anymore that the reporting was accurate.I also demanded they ( the credit bureaus ) send me the XXXX forwarded to the creditors and the AUD`s received back from the creditors and that never happened. All of them just flat out ignored my request. Also the answers I received violated the 30 days they were allowed to answer me back.They ( the creditors ) failed to prove they violated the Law and I believe they did not conduct any reasonable investigations. I need the CFPB to get in the bottom of it and make sure they abide by the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 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: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Had damage to my auto, and filed a claim with XXXX in which XXXX charged me XXXX deductibles {$500.00} each. Cancelled my auto policy with XXXX, and there was a {$19.00} cancellation fee assessed. Insured made payment arrangements with XXXX due to the fact that I needed my auto fixed where I had to pay {$1000.00}. Insured paid this account in full, and I do not know why Credit Collection Services ( CCS ) has sent me a notice for this payment. XXXX assumes CCS has placed this bogus collection notice on my credit reports and is demanding immediate deletion.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
My most recent statement indicates XXXX charges for interest rate. XXXX is interest charge on purchases and the other XXXX is interest charge protected purchases. To the best of my knowledge I did not subscribe the XXXX service. I log in for chat with their rep. she was unable to tell me the difference between the XXXX interest charge, she keep telling me that it was a special purchase charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: GA

Complaint narrative:
I purchased a home in XX/XX/XXXX in Georgia. My family fell upon some hardships which impacted our income so we applied for a modification. I was able to use a 3rd party attorney and get a {$85000.00} principal balance reduction. One month later, XXXX XXXX XXXX sold my mortgage to BSI Financial Services who then told me I needed to do another modification as they welcomed me with a raised mortgage and changed terms under which I had already signed with XXXX. They notified me that my payments would not be accepted and returned and now they have a sale date of XXXX/XXXX/XXXX set on my home. I went through XXXX representatives that did not follow up or process paperwork submitted in a timely manner but yet sent me letters about modifications being denied because of missing paperwork. I have expressed complaint and concern via phone and email. I have requested a Qualified Written Statement and Validation Letter twice which did not address my concerns. I am not happy about this unfair shark and predatory practice to take my home without properly notifying me by letter of a foreclosure sale date and changing terms of mortgage after they purchased it. BSI Financial and I have no written or verbal agreement on terms. I want to keep my home but want fair practices and lending to be enforced. It is not my intent to defame or tarnish the character of this company but wrong is wrong and to put a GA XXXX, wife and mother of XXXX young children out on the streets is a violation under the unethical practices they have displayed. The company has called my home and cell phone despite my letters to them to contact me in writing. These are infrigements. I have recorded conversations ( authorized under GA law ) of representatives of the company admitting to seeing where I have submitted paperwork and they had dropped the ball weeks later by not processing it and wanting me to resubmit to correct the wrongs they have made. I WANT MY HOME and desire for BSI FINancial to make this right for me and my family. We have lived in this home for 10 years. It was our first one and where many memories have been made but for the greed of a dollar and ask me to think of an " exit strategy '' 4 days prior to a sale date is inhumane. I want my home and desire to remain in it if BSI is willing to correct its wrong and practice fair lending. They can submit to me in writing how they would like to repair these damages and them changing the terms of the mortgage after purchasing it ( no good business )!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I pay my monthly balance to Capital One in full each month. Each month they hold my available credit anywhere from XXXX days after receiving my payment. This month, I made the payment, then asked when funds would be released off of their hold. I was quoted XX/XX/XXXX. After checking my account today, this is n't the case. Contacted Capital One again, and now in the period of the last 3 days they have changed the date my funds would be available from XX/XX/XXXX to XX/XX/XXXX and now XX/XX/XXXX. They flat out lied to me, and then tried to cover it up. They claim that funds are held " At random '' but this occurs on my account every single month. When you try to get an answer they dodge the question and disconnect the call and/or chat session.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One continues to report business account and further states that I am personally liable for charges. No information supplied by Capital One to substantiate account ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have submitted a complaint before against Capitol One Home mortgage because I was n't receiving my statements for my loan. They did respond back and " magically '' fixed the glitch in there system, that they never could explain why it happened. Since I have had such a horrible time with capitol one I paid my home loan off on XXXX 2016. I had to make several calls to even get a letter confirming the pay off. It is now XXXX XXXX 2016 and they still have not sent the paperwork to the courthouse in XXXX XXXX arkansas so the deed/lien can be released. When I try to call and find out why it is taking so long the only reply I get is that by law they have 60 days but no one can tell me why it is taking so long or even what step the process is in. Since I have had such a horrible experience with capitol one and this loan ( which was never late despite no statements being mailed and paid off early ) I worry that the whole process will not be complete for whatever reason capitol one can come up with. This is my home loan so I am very concerned, I would like to know what is going on with the process and when I will receive my lien release and proper documentation. I spoken with XXXX XXXX one time and when I tried calling back to see if he looked into the matter and could explain things I only get voice mail. I understand paperwork takes time but it has been 40 days and capitol one 's lien release department has not processed anything as of today per XXXX in the customer advocacy center of customer service. I would like someone to look into there process and guidelines regarding lien release. Customers should n't have to wait this long to have there paid off property released.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I noticed Credit Collection Services on my account when I was denied credit in XXXX of 2015. I disputed this debt with the credit bureaus and I sent a letter to this collection agency requesting validation of the said debt. I never got a response back from them and they continue to verify this debt as mine to the credit bureau which is a violation of the FCRA. I can not make them give me this information but I can certainly report them for reporting it without proper validation. This mark on my credit has caused me damages and if not resolved immediately I will take necessary action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation