BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Delinquent account

Complaint:
I inadvertently applied a payment to my daughter 's Kohl 's account instead of my own. The minute I found out about it ( when I got my daughter 's bill showing a credit ), I contacted them. I asked if they could transfer the money and they said they would take care of it. Had they told me what a headache it was going to be I would have just double paid, but I believed them when they said it would be done. When I got my next bill reflecting the money had not transferred, I contacted them again. Again they promised it would be resolved and I would not be reported as being late on my credit report. Multiple times I was contacted by them and I contacted them as well, to resolve this matter and repeatedly was told it would be resolved and my credit history would be restored. I called on XX/XX/XXXX and determined everything had been resolved and asked that they let me know when I could expect them to get my credit rating fixed ( my son, who is on the account with me, gets his credit score free every month from a different credit card he holds and the score had dropped XXXX points ). They said they would look into it and get back to me. I called again the following day only to be told that it was my fault and the credit would stand. I was then told to send a letter, which I immediately did ( attached ). I got their response on Saturday telling me that they would n't fix it ( also attached ). 
I take phenomenal care of my credit rating and have NEVER, EVER, been late on a bill. If they had just told me to start with, again I would 've just double paid it. During this entire time I kept my daughter 's credit card paid in full ( as if the money I did overpay was never there ) to avoid interest on her account. During all this Kohl 's credited me the late fees and interest fees, but somehow still feel it 's my fault they could n't fix it. I want my ( and my son 's ) credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Delta Outsource Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received XXXX calls in succession from Delta Outsource Group on my personal cell number, and my office number, I informed the caller to remove XXXX numbers form their call list and to submit all requests to me in writing on XXXX. 

The calls have continued on a daily basis, I have reminded the caller not to dial my numbers. 

on XXXX Delta Outsource Group began ringing both lines simultaneously. I finally blocked their number ) on my cell number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, 2015, I received emails stating my contact information had been changed on my CapitalOne credit card account and that there was a request for a new card. The email stated " if you did not make these changes, please call ... '' When I called I told them I had not made the changes to my account. I logged into my account and there was a phone number, email address and mailing address that was not mine. We had not used the credit card in over a year. I told the representative I wanted the account immediately closed. Over the next hour I talked to at least XXXX or XXXX people, I was disconnected XXXX times. At the end of the night XXXX assured me the account had been closed and the " new card '' would not be sent. On XXXX XXXX, 2015, I received an email that stated " your new card has been shipped via XXXX XXXX. '' I punched in the tracking number and of course CapitalOne sent it to the person who hacked my account. I called CapitalOne and asked for " fraud ''. After speaking with the XXXX representative I discovered I was n't connected to the fraud department. I have no idea why they did n't get the telephone transfer correct. I was then connected to the fraud department - lower level person then supervisor. By the end of the conversation the representative told me the new card that was sent out had not been cancelled. He then claimed he cancelled the card. He was " pretty sure '' no one would be able to activate the new card. However, he ( along with XXXX the night before ) was not authorized to send me an email confirming they had closed the account. I would need to wait 7 - 10 days for a letter. I have absolutely no faith that CaptialOne protects the personal information of their cardholders. This should have been a simple task and it ended up being a waste of XXXX XXXX hours of my time and a lot of frustration. If this card is activated, CapitalOne will be responsible for all of the charges. CapitalOne needs to look at the quality of their employees and how they are trained.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: CONTRACT RESOLVE GROUP LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I got a call from these  XXXX , stating that they were looking for my EX who I do not speak to anymore about a debt he owes from his business dealings. They have threatened me to continue to harass me if I do not get my ex to call them. They have also contacted my daughter 's cell phone. I have made it clear that I can not help them, however the   XXXX    keeps harassing me. This should be illegal for him to threaten me over text messaging and to continue to call and text my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX   XXXX  ran a credit check on me without my consent.    XXXX   XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had dinner with a friend of mine several weeks back. He told me about the XXXX XXXX XXXX account with Capital One. I went to their site and applied online for a XXXX XXXX XXXX account sometime on or about XXXX XXXX, 2016. I am starting my management consulting business. 

It is now XXXX XXXX, 2016, and while I have online access to the account, I have yet to receive any documents to actually be able to move money into or draw from the account. I 've spoken with several people at Capital One, and each time, I am told to wait " 1 or 2 business days '' for a response. I have yet to receive anything. 

The last time I called I spoke with a Capital One associate named XXXX and she told me that there was a restriction on my account. I asked her why, and her response was that it was a " one off. '' It is my contention that the restriction they currently have on this account is exceptional and outside of Capital One 's own protocol and policies. 

I would like the CFPB to look into this matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
My wife and I used USAA for a mortgage loan. Due to military obligations I was unable to be with my wife or access to a phone for days at a time. My wife had power of attorney to close of the house. My wife was told by USAA to bring a {$1800.00} cashiers check to closing the day prior. On closing day my wife arrived with the check but was told she owed {$4000.00}. My wife was unable to pay this without consulting me due to the dramatic difference in price she was told. USAA violated TRID by not disclosing final closing cost to my wife until after the time of closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been working for over 2 days to speak to someone who can help resolve an issue. I have been told several times that the procedure to so have someone call me back. So far no one has ever called back, when I call I am just told that the procedure is to put in for a call back and we go through the same drill again. I am concerned about the lack of resources to escalate any issues. The issue stems from being given incorrect information from a customer service rep. At this point I have lost complete trust in them to give correct information, or to return a phone call. We are going on 72 hours with this at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled service with XXXX in XXXX 2015. I repeatedly attempted to dispute final billing changes to no avail. I am more than willing to pay the portion I actually owe. Since the account was closed I was no longer able to access my account information online. I sent numerous letters and called numerous times and was transferred from XXXX person to the next. Recently, my account was sent to a collection agency and reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out a loa n from My Rich Uncle i n  XXXX , which was taken over by Younomics. In  XXXX , I joined the  XXXX   XXXX . Pursuant to the Servicemembers '  Civil Relief Act, my lender should reduce my interest rate to no mo re than 6 % - they refuse to do so. I am currently being charged 10.75 %, and am still on  XXXX   XXXX . I have consulted my installation legal attorney, who suggested I file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My fiancee and I decided to choose USAA to hold our mortgage, so we applied through them initially. Approved us for $ XXXX initially ... .filled out the entire application. And we had to do our own application because we were n't married yet. All that was fine, but how do you approve us for $ XXXX, even though we found a house for way less, and then when we get 4 days from closing to tell us that our loan is no good and that we will not be able to close? And then ask us if we have any family members who could give us a substantial gift for a down-payment? We went from having to take $ XXXX to the table to $ XXXX to the table? So unprofessional. And then our original processor was out for a period of time, but she emailed us and said we were good. That was one issue. Then on the day I was originally suppose to close, USAA calls me back to tell me they have fixed everything ( I was on my way to another borrower ). So during the XXXX stint, we had to provide things that we had already provided ( twice ). Horrible.We kept calling because they were running against the clock to provide the documentation to the closing attorney 's office. Finally, we close. Which brings me to my second issue, if we are both borrowers for the loan, why am I getting the run around on getting my fiancee online access to pay the mortgage? We have called seven times ( on hold as I type this complaint ). We do n't want a 30 year loan. We 're trying to pay the mortgage plus an additional {$500.00} ... .trying to give them money, but no one can seem to help. This may sound petty, but he should be able to see the loan through his online profile and make payments, instead of paying over the phone and paying an additional {$11.00} surcharge. USAA is suppose to be the cream of the crop, but I am very disappointed. We must have done something right because our loan is really good, even the other lender said if USAA can finish it, let them. But this has been a total disaster. At the current moment, I have had XXXX IT tickets put in so that my fiancee can get online access. Nothing has been done. I ask to speak to a supervisor, everyone is too busy. My parents and grandparents are ex-military and so is my fiancee 's family ... ... .they told us to go with USAA because we would get better rates. I waited to write this because I do n't want anyone to give my family or me a hard time with our loans and other services, but at this point it does n't matter. Do not choose USAA to finance your home. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Diversified Consultants Inc has continually called me 5-6 times a day after repeatedly being told never to contact me via phone. They refuse to aknowledge the company they are wokring for when calling and hang up when questioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Bepensa Capital, Inc.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I financed a XXXX motorcycle in XX/XX/XXXX from a company named XXXX XXXX.I was making payments on time ; due, to them receiving an allotment from my check. In XXXX XXXX, I received a letter in the mail from a company named AFS Acceptance that stated I was to start paying for my motorcycle with their company ; instead of XXXX XXXX. The letter included the wrong information about my bike, how much I owe, the monthly payments, and the dates on the payment coupons. There were numerous inconsistencies causing my wife and I to think it was a scam. I have asked them numerous times to provide me with my original loan that was transferred from XXXX XXXX and they have failed to do so. Now, I have a 90 day past due on my credit report. Also, I signed an agreement at the origination of the loan that stated my loan would not be sold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an Easy 5 year mortgage from Capital One 360. I have paid all but just under {$4000.00} on it. I have been making payments online for 5 years, and the loan is due by XXXX XXXX, 2015, as it has a balloon. I went online today, Thursday, XXXX XXXX, 2015, to pay off the loan, but for some reason, Capital One is not allowing me to pay the loan off. They are forcing me to make payments by certified check or wire transfer. Even if I wanted to may the small biweekly payment, which is around {$80.00} bucks, it wo n't allow it. I spoke to XXXX employees, who stated, " The loan has matured, you ca n't make any payments. '' This loan is not even due for over a month, and I have a biweekly payment that ca n't be made because of this nonsense. I have never been late on a payment before, and they are using their power to force me to make expensive payments, when there is no reason why I should not be able to make a payment online. I repeat, this loan is not due until XXXX XXXX, 2015!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: FirstCollect, Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i received an alert on my credit report for a debt collection of  XXXX  for " City of  XXXX  '' I live in   XXXX     XXXX   and have  zero b usiness with the City of  XXXX  or Delaware. This is the firs tim hearing about this and I have  zero kn owledge of this debt and why its being reported to my credit bureaus. i dont owe for this and it is a mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
I have been contacted on XXXX separate times concerning balances on my credit cards. I d not normally carry balances but, because of a family emergency, I am carrying them now. In particular, I was contacted by an entity today regarding my Chase credit card. The " hook '' if you will, is an offer to lower the interest rate to 6.9 % from my current 20.24 % ( unfortunate ) rate.The call progressed from a salesperson to a " manager '' that will give me the specifics. The specifics are a flat " fee '' as it was referred to by the manager will be conveniently charged to me in XXXX monthly installments and will " knock off {$1700.00} off of the of the interest charged at the usual rate ''. Wait a minute? So on a declining balance, that would not be true? They switch me to a person in " security '' and as I question and challenge the truth about the switch, I ask them who exactly they are and how do they know about my to the penny balance, available credit, and last payment and what bank it is drawn on? I argue with the " help '' they are offering, and want to see something in writing. This " security '' person states that it 's already done, to which I became angry and ask how could they do that without my consent as there was no point in the conversation that I gave consent. After I stated that I would not be carrying the balance for a year,, The argumentative " security '' person asks if intend to pay the balance in full within XXXX weeks to which I answered yes. He then in a THREATENING manner says he will inform Chase. I ask that he give me his name and he hung up. The initial call was from XXXX.My call was dropped and the " manager '' called me from XXXX. I used this number to call back and it was Chase! Option XXXX is for lenders to obtain balances from credit card holders! I asked to talk to someone in the security department and was told that Chase does not give out this information, which I do n't believe. At one point in the conversation I stated that if it was Chase, why could n't I negotiate a lower rate for my self? I think this is very deceptive, and a means for Chase to burden it 's credit card holders with more debt and that unfortunately many people are deluded into taking the offer. Are any laws being broken here or is it just bad ethics?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
For over a year I have been trying to get resolution for my auto loan mishandling of the title through USAA. I was purchasing a vehicle from my mother. USAA had released {$6000.00} to my mom while she was still in possession of the title, leaving the loan unsecured as I was was stuck paying a car loan in which I could not register or insure. The bank should have taken care of getting the title within 30 days from my mom and issued a memorandum title for me to register the vehicle. Instead I was being harassed that they still had n't received the title. I am the buyer, not the seller. Why was I getting bothered with, " where is the title '', when USAA had released {$6000.00} to my mother ( Seller ) without making sure they had the title in their possession. I was never given a memorandum title and I have been stuck in limbo paying for a car, because I did n't want to affect my credit, I ca n't use. The whole deal should be null and void because of what USAA has done. 

Around XXXX my mom had finally given USAA the title after months of trying only for her to send the title to me with corrections which the DMV would n't take. Due to the strained relationship with my mother and the relaxed attitude to get a replacement title, we had made an agreement with my mom that she was going to take the car back because she did n't want me to have the car because I was no longer family. After USAA being notified that my mom was going to take the car back, USAA and my mom 's shady dealings behind my back left me in my predicament of being left with an uninsured and unable to be registered vehicle. 

Even now that that USAA has gotten the title they have n't sent a memorandum title. I believe they realize they have messed up and are wanting me to ask for the title, so that they are legally protected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
USAA Bank, has no way to make a cash deposit in the State of Nevada, I needed to make such deposits, I have no way to do so, Why do they do business in Nevada. I had a NSF charged to me because I could not make a cash Deposit, I called the day before and talked to a rep explaining that I need to make a cash deposit to my account. She told me to wire the money direct to my account, which I did, they still took a whole day to deposit to my account. Which over drafted me causing NSF of {$29.00} Fee. I called USAA and talked to XXXX, should could not help, I proceeded to talk to XXXX, she gave me an attitude and I am god attitude, and said she would not help me, she hung up. I called back and talked to a XXXX, she tried to help but could not. My complaint is, how can a Banking Institution do business in a State and have NO WAY TO DO CASH DEPOSIT to my account or any other customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never recieved service from XXXX. The phone was returned to company. XXXX was never activated. So this is a fraudulant attemp to collect a debt that doesnt exsist.

Company response to consumer: Closed with explanation