vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-09 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: Jim Bottin Enterprises, Inc
State: KS

Complaint narrative:
Joined XXXX when it first opened in late XX/XX/XXXX and decided to leave in early XX/XX/XXXX. Despite numerous cancellation attempts and not using the gym in over 5 months XXXX continues to bill me and has now forwarded me to ABC Financial, a Collection Agency in XXXX, AZ. Attempts to contact XXXX XXXX, Membership Manager, go unanswered or returned.Speaking with " XXXX '' ( will not give her last name ), in Customer Relations, hangs up on me.Simple questions like " Will you please look up the last time I used your gym '' to " XXXX '' to show I have n't used the gym in over 5 months are responded to as " that 's not important '' and then hangs up. Letters to both XXXX XXXX and ABC Financial under the U.S. Fair Debt Collection Practices Act, 15 U.S.C. section 805 are ignored. ABC Financial has also been asked to provide written proof that they are licensed to do business in the state of Kansas and they have n't. XXXX XXXX is unwilling to address or correct the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One 360 posted a promotion code to open a new account for a {$200.00} bonus ( the code was " XXXX '' ) They later claimed that this code was " targeted. '' However, the company had no issues letting me use the code to sign up, and the confirmation screens ( that I screenshot ) even confirmed that I was eligible. 

Capital One 's customer service then made up multiple reasons why I was n't qualified for the bonus, even though I followed through on their terms stated to deposit {$10000.00} into the Money Market Account. 

My statement is that because their system stated that it was ok to sign up, the consumer should not be tricked into signing up because of Capital One 's fine print. Clearly, a sign up system that approves the code should mean that the offer was accepted by the company. I think Capital One is being fraudulent in their promotion offers, and intentionally letting consumers sign up to make their new account numbers look better.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CapitalOne has sent me numerous " Pre-approval '' offers. The letter reads in bold that I am " pre-approved for this offer with no annual fee and our lowest intro APR. '' But further down on the back of an accompanying sheet of paper, it explains that a Pre-approved credit card offer is sent to a " well-qualified group of people. Being pre-approved means you meet out initial criteria '' It seems to me that this is " Pre-screened '' not " Pre-approved ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
I finance my vehicle with CNAC in XXXX XXXX and have made my monthly payments on time, as reflected on my credit reports, since Day one. 
Starting in or around XXXX XXXX, my account representative was changed over to XXXX XXXX. Since the time he received my account, he began calling me days prior to my due date asking if I was going to make my payment. even after I confirmed that my payment would be made on the due date, he continued calling repeatedly asking the same question until the date of the payment. There would be days where he would call me multiple times and leave multiple messages. In XXXX and XXXX, XXXX XXXX made hard inquiries on my credit reports without my consent. He continued harassing me all through XXXX XXXX. In XXXX, he sent another employee to my residence demanding payment or he would have my vehicle towed. when I refused to pay him, he proceed to act as if he was calling the tow truck. I then called CNAC directly where they advised the employee to leave the premises. 
My account was transferred over to XXXX with CNAC in XXXX and that was fine until today. XXXX called me and left me a message regarding my promise to pay today ( which was fine ), but then XXXX XXXX called me and left me a message as well, following up on his harassment. when I called back in to make the payment, XXXX answered and I requested to speak with someone else, he refused and stated that there was no one else to speak with. he then began being very rude to me and asking why I had a problem with him. when I advised that he was in violation of the Fair Debt Collection Practices Act, he stated that I was just making excuses for my payments being late and started being very derogatory. He refused to transfer my call so I bid him farewell and called back and made my payment with another employee. XXXX has been in violation of the Fair Debt Collection Practices Act and has continued harassing me amidst my requests for him to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Credit Collection Services has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Worked for a company on line that gave me a routing number and checking account number from XXXX XXXX XXXX to give to Capitol One bank to pay off credit cards in my name so i could ship products from the US TO XXXX XXXX Capitol one bank was the only bank to accept the bank account from XXXX XXXX bank without it being my personnel account THIS WENT ON FOR XXXX MONTHS UNTIL Capitol One GOT NOTICE THAT OT WAS A FRAUD ACCOUNT ... gave back XXXX to XXXX XXXX and held me liable a XXXX year old women on social security

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
checked my credit report and saw account i did not open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was never late in paying my Capital One. The account was on autopay set up through Capital One and that had been the mode of payment since establishing the account. I do n't know how they can justify destroying my credit by stating that I was XXXX and 60 days late for account number XXXX. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Capital one they refused to take this enormous mark off my credit. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from XXXX, XXXX and XXXX off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associate has no right to collect on a debt delinquent from XX/XX/XXXX and XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( {$900.00} and {$710.00} ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA Bank - I attempted to make a deposit and the funds were placed on hold. It was a {$20.00} deposit. They will not take any other methods of viable deposit unless it 's a Wire transfer ( going to cost me XXXX dollars from my bank XXXX or a cash advance off a Master Card. 

Sadly, I do n't own a mastercard. I only have XXXX but they wont accept that. They told me they wont accept a cashiers check/money. I have no way to make a deposit and they are going to access me a feel. 

Just to note, it 's XXXX XXXX and my debit wont hit the bank until the XXXX. They have my deposit on hold until XXXX XXXX. With no way to deposit, I can not avoid the penalty even though I contacted them 2 days in advance. They are going to charge me a {$39.00} fee on a XXXX dollar debit. 

I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On a visit to a nightclub in XXXX, XXXX several unauthorized charges totalling over {$9000.00} USD were incurred on my credit card - I also lost the card that night and reported it as lost to Capital One the following morning. 

I initially filed a fraud claim for the unauthorized charges, but that was declined because as I was physically at the club for part of the night - they then transferred this to the dispute department and that was also declined as the merchant claimed the actual receipt copies I provided were not from their establishment, but those are the only receipts the merchant provided to me and these are the charges I was expecting to pay for. 

The interesting thing is the timestamp of the receipts I provided are around the same time the other fraudulent charges were incurred so do n't understand how I could be in XXXX places at once. 

Additionally, I did some internet research and found out that this merchant has been involved in several other credit card fraud complaints - I also provided this information to Capital One, but that was not taken into consideration. 

One of the fraudulent charges is for {$5000.00} and another is for {$2500.00} - these are quite huge amounts and yet I did not receive any alert or phone call from Capital One to indicate a possible fraudulent transaction or get confirmation on whether I approve the charges .... However, I was in a bad part of XXXX once and made a {$35.00} purchase and that triggered a call about a possible fraudulent charge. 

I have not made any payments for any of the amounts claimed by this merchant and I have stopped using this credit card - please let me know what options are available as this is grossly unfair and seems Capital One does not care about my side, but I do feel they should bear some responsibility for not alerting me before authorizing such huge charges, especially in a foreign country.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Collection Service of Nevada
State: NV

Complaint narrative:
I was working on my son and his friends bike and I was approached in my garage by an aggressive man who was very rude in front of the kids. I had no idea what this was about, until he forced me to look at a paper. I asked him to leave and he was very rude and hostile. Apparently it was from a furniture store that my ex has all of the furniture from. I was XXXX on and was left with nothing but apparently the bills without being told.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a XXXX BIG card and made my payment when I got paid, the payment posted on XXXX/XXXX/2016. On XXXX/XXXX/2016 I received a warning email that I had not made a payment on the card and if I did not make a payment by XXXX/XXXX/2016 I would be assessed a late fee. I contacted the card company which seems to be Capital One and they stated that they close a cycle on the 3rd and do not count payments made previous to that as part of the payment cycle. This feels like a predatory practice designed to incur late fees and harm consumers that are on a fixed income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES
State: WA

Complaint narrative:
RE : CFPB # XXXX XXXX stated : " Our records indicate that XXXX XXXX 's 2014 property tax amounts reported to Provident Funding ( XXXX XXXX XXXX client and sub-servicer for XXXX XXXX ) were reported on XXXX/XXXX/2014 as XXXX payments of {$1400.00} due on XXXX/XXXX/14 and XXXX/XXXX/2014. '' I would like Provident Funding to verify or deny that XXXX reported to them on XXXX/XXXX/2014 XXXX payments of {$1400.00} due on XXXX/XXXX/14 and XXXX/XXXX/2014 regarding my property taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
XX/XX/2016 I request my credit report from XXXX, XXXX, and XXXX. I noticed that there was an impermissible credit inquiry made by Diversified Consultants , Inc . Furthermore they even furnished a debt collection item to my XXXX and XXXX Credit report. On Tuesday XXXX XXXX 2016 I sent notice of intent to sue, informing the company of their violations and requested that within five days they send me documentation of an application I 've completed for services, employment or credit from their company. It is Monday XXXX XXXX, 2016 and I receive a call from a representative at Diversified Consultants , Inc. who was requesting my information before they verified who they were. I received multiple calls from this number since XX/XX/2016 and when I would answer the phone it was always dead air. I never heard representative speak except for the call they made to me today. My main concern is that I never executed any services with this company and do not know who gave them my private information. This company has captured my identity and damaged my credit standing by invasion of my protected interest and by inserting negative items on my credit reports. I intend to follow through with private right of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
USAA ( loan officer XXXX XXXX ) pre-approved me for a {$410000.00} mortgage loan in XXXX 2016. I searched for a home and found XXXX. In XXXX 2016, USAA approved me for a mortgage of {$160000.00}, but the home purchase fell through due to damage exposed in the home inspection. In XXXX, since the previous pre-qualification had expired, USAA again ( though this time, through a supervisor, XXXX XXXX XXXX pre-approved me for a mortgage of {$410000.00}. I was unable to find a house, and approximately 90 days later on XXXX XXXX, 2016 USAA ( through XXXX XXXX ) approved me for a mortgage of {$410000.00}. For each mortgage pre-approval ( and for the approved mortgage ), I disclosed that 100 % of my income for the past 6 years was earned abroad and that I have not yet filed XXXX tax returns on this income. I completed a full credit report and XXXX hour interview, which USAA recorded. After I made a contract on a home on XXXX XXXX, USAA suddenly declared that it would be unable to issue a mortgage for {$160000.00} since all of my income was earned abroad. This should not have been - and indeed was not - news to them. The previous pre-qualifications were based on my foreign-earned income. I was referred from XXXX customer service office to the next, from XXXX supervisor to the next. USAA offered to put my parents on the loan to help resolve the problem ( without clarifying that this would also put them on the title, until later ). USAA rarely returned my calls until finally, on XXXX XXXX I was referred to their " executive resolutions team. '' The agent told me to provide proof of filing XXXX tax returns, and I told him to " not cancel my application '' and that I would provide him proof in 2 days, as I had a CPA meeting on the XXXX. On XXXX XXXX, USAA overnighted a mortgage application for me to sign and return by XXXX XXXX, 2016. They sent the same package to my parents and both packages contained confidential information related to me that USAA was not permitted to disclose. What 's more, the application was riddled with errors and could not be signed in the state that it was sent. I emailed USAA on XXXX XXXX asking what to do with the application. USAA then informed me that I " no longer had any applications with USAA '', since the application had been cancelled on XXXX XXXX. In response to my inquiry, USAA explained that the application had been overnighted on the evening of the following day in error. I was referred to the CEO 's resolution team, and then to the business resolution team, and no one has managed to resolve this. Now, my closing date has been cancelled and I am looking for another lender. 
This experience has been a hardship for me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
USAA bank WILL restrict its members access to accounts if they owe money to them for ANYTHING- NSF fees, overdrawn accounts, credit cards and loans. They will completely empty your account and leave you with NO money even if ALL of your money comes soely from XXXX ( VA and social security ) BE VERY CAREFUL when dealing with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I am a USAA member. In 2014 after a divorce and layoff I ended up filing a Chapter XXXX bankruptcy.. I reaffirmed on my auto loan through USAA and never missed or was late on a payment. USAA failed to file the correct paperwork with the court which almost a year after my discharge date allowed the trustee to void their lien on my car and take my car. USAA then reported my account as a chargeoff and repossession, and locked me out of my accounts. 
It took me several weeks of phone calls and hours of hold time to finally get partial access restored. However, I still have no access to my Insurance or my retirement accounts. USAA said that this is because I filed bankruptcy, and there was a large sum of money they could not collect. The Bankruptcy is true, however, any lose USAA suffered is due to there failure file reaffirmation paperwork. I was paying the loan on time which my credit record will show, and would have paid the auto loan of as agreed. Furthermore, the restricted access and inability to access my accounts has cost me thousands of dollars in investments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I paid my loan in full in XX/XX/XXXX with loan depot.I have not recieved my ecrow balance back and I noticed today that they took out for my pmi imsurance when I no longer have a loan with them..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I am getting multiple calls a day from this number along with XXXX. No message ever left. Calls have been been received for the past three weeks. Called # 's back and receive a voicemail that I have reached " Diversified Consultants ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I recently opened a saving account with USAA and has deposited {$2000.00} in it. But I ca n't withdraw money from the account because USAA said I did n't provide proper proof of address. I have sent multiple proof of address and other documents to USAA and called its customer service at least six times, and it promised to call me back ; but as of today, it has never called me back and I still can not withdraw any money from the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation