vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of XXXX, I tried to refinance my house and was declined on the basis that there was a defect in a prior Satisfaction of Mortgage prepared and recorded by the lender. ( See letter dated XXXX XXXX, XXXX from Title Company ) My wife and I made a mortgage to Mortgage Electronic Registration Systems , Inc. ( M.E.R.S )., as nominee for XXXX, dated XXXX XXXX, XXXX, recorded XXXX XXXX, XXXX in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Mortgage # XXXX ) This mortgage was assigned by M.E.R.S., as nominee for XXXX. to XXXX XXXX Bank, dated XXXX XXXX, XXXX and recorded in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Assignment loan # XXXX ) We made a second mortgage to M.E.R.S., as nominee for XXXX XXXX Bank, XXXX, dated XXXX XXXX, XXXX, recorded XXXX XXXX, XXXX in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Mortgage # XXXX ) These two mortgages were consolidated by a Consolidation, Extension and Modification Agreement by to XXXX Bank, NA, dated XXXX XXXX, XXXX, and recorded XXXX XXXX, XXXX in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Modification of loans XXXX & XXXX ) A Satisfaction of Mortgage was prepared, issued and recorded by XXXX XXXX Bank for the XXXX XXXX mortgage. The problem, as discovered by the XXXX XXXX is that the Satisfaction of Mortgage filed under City Register of the City Of XXXX under File No : XXXX lists XXXX XXXX Bank, XXXX instead of XXXX, as nominee for XXXX. for the mortgage recorded City Register of the City Of XXXX under File No : XXXX and the Satisfaction also DOES NOT recite the assignment information for the assignment recorded in City Register of the City Of XXXX under File No : XXXX XXXX. 

I understand that XXXX XXXX Bank was acquired by Capital One , N.A . However, since XXXX, I have called and written numerous times to Capital One explaining the problem and to request that a new Satisfaction Mortgage be prepared, correcting the error and filed of record. By letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX on behalf of Capital One requested a copy of the recorded mortgage and Capital One Assignment. I promptly provided the requested information by fax ( XXXX ). To date, I have received absolutely no response back from Capital One. I am able to neither refinance nor sell my property with the existing Satisfaction of Mortgage. ( Copy of correspondence attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Collection Service of Nevada
State: NV

Complaint narrative:
I was applying for an apartment and the manager called them and my information was released without my knowledge or consent and I was denied the apartment based on the information they released.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have a stock trading account at XXXX which is owned by Capitol One. On XXXX/XXXX/15 I requested a transfer of settled funds from XXXX account to my Capitol One savings account. The transfer was not made until XXXX/XXXX/15 at XXXX EDT. 
But as of XXXX CDT the funds still had not shown up in my Captiol One savings account. Since both are owned by Capitol One and these are electronic transfers the failure to properly credit the savings account is not correct. In addition, Capitol One puts a ten day hold on these funds being transferred from my savings account to other non Capitol One accounts. This is an unconscionable use of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have new credit cards from CAPITAL One Bank, I was miles reward program which was converted in XXXX $ cash bonus if I spend XXXX $ during 3 months, I call several time to CPAITAL One award department and customer service told me that I was approved. 
I spend during 3 month around XXXX $ but never restive a XXXX cash bonus. 

Please help me with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I called Kimball & Tierey in response to a letter to collect a debt. I was previously being garnished. I no longer work at the place I was garnished at but I did not want this debt on my credit history so I called to setup a payment. The following conversation occurred : I was not given a disclosure of the attempt to collect a debt. I called the line and spoke to a receptionist who then transferred me to an associate by the name of XXXX. 
Me : " I would like to re-establish payments for my debt I was previously garnished on. " XXXX : " Verify your first name and last XXXX of your social. " Me : *verifies the information* " I want to setup a voluntary payment '' XXXX : `` Ok, what are you looking to pay? " Me : " Well right now I can definitely pay {$30.00}. " XXXX : " You can go ahead and submit a check or mail payments to us but {$30.00} a month would not be recognized as a formal payment that you could pay online. So if you send in whatever you can afford we can credit your account, we ca n't give you a receipt but if you do not set up a formal payment of no less than {$100.00} we can pursue informal collection. " Me : " So let me see if I understand, I am trying to make good faith payments you 'll accept them but if it 's not {$100.00} or more you will pursue garnishment if I get a new job? " XXXX : " Yes, you will be garnished. Sorry, just being honest. {$100.00} is our base formal payment. " Me : " ok, thanks. Just wanted to clarify. Goodbye. " Also, this debt is no longer reported on my credit history. It 's been 10 years and believe it 's beyond its statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I recently disputed the fraud alert on my credit report and it was reversed.Son it has now been taken off If my address is not in the zip cod of XXXX this is not me and my updated phone number is XXXX i have taken extra measures in hopes that this does n't happen again.Please ask for the sec. word that starts with XXXX THANKS, CALL ME IMMEDIATELY IF THERE ARE ANY QUESTIONS OR CHANGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX mortgage with Capital One bank. Interest payment jumped from $ XXXX/month to $ XXXX/month. No one can explain why. Then they decided they wanted the loan repaid immediately. They could not maintain employees as every time I called the previous person was no longer with the company. We would have to restart from scratch with a new banker. I have turned in their requested paperwork to at least XXXX employees via fax. The most recent phone conversation said the loan application was closed because I did not send in the requested paperwork which is false. Also during the most recent phone conversation the lady said she spoke with my on XXXX XXXX which she did not. I had to keep calling to get someone 's attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I had a car that was charged off in XX/XX/2014 and Loan Mart is continuing to report 120 day lates to current dates. This is illegal and hurting my credit. After the charge off they cant report late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 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: Diversified Consultants, Inc.
State: OR

Complaint narrative:
Just assuming here; I called and paid off the old XXXX bill and they charged my account XXXX. Contacted XXXX and they had no record of being XXXX charged so they bank fixed it right up cause there was XXXX from XXXX. Now it still shows I owe then when I paid it off in XX/XX/XXXX. Honestly this company should not be in business if they can't keep accurate records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I spoke with XXXX XXXX around XXXX XXXX XXXX XXXX on XXXX/XXXX/2015. They called to resolve a debt that I have with a XXXX Credit card. I agreed to pay XXXX installments of {$180.00} on starting on XXXX/XXXX/2015 followed by XXXX more payments taken out on XXXX/XXXX/2015 and the last payment on XXXX/XXXX/2015. I agreed to terms and hung up the phone. Later the same night I received an alert from my bank that a transaction was declined of {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
usaa had a sales promotion that if you opened a direct deposit account to checking you would receive {$300.00} after 60 days. I joined and received {$300.00} in my account XXXX XXXX or XXXX XXXX, 2015. Under my account details they listed the {$300.00} as INTEREST. IT WAS SALES PROMOTION. When I complained they list it as job income, other income, everything but a sales promotion, and then without my knowledge switch it back to interest received 2015. IT WAS A SALES PROMOTION, NOT INTEREST ON MY ACCOUNT. I have complained several times. I receive only XXXX social security. It being listed as interest or job income changes my IRS filing status. I want it listed for what it was A SALES PROMOTION. I only received {$0.00} interest for 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Clear Debt Solutions, LLC
State: TX

Complaint narrative:
This person can barely speak english and has repeatedly called threatening legal action but will not tell me what it is for. They have called me, my employer, and family members giving out my information

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Advance America, Cash Advance Centers, Inc.
State: SC

Complaint narrative:
Phone # XXXX called my aunt in XXXX right after XXXX and said i have a bounce check and they need to serve papers to me .Afterwards, I then received call on my work phone from both XXXX and XXXX saying they want to serve papers for case XXXX. Both XXXX and XXXX said they were calling from XXXX and XXXX law firm. ( i have the recorded calls ). calls went to voicemail. called them back and they wanted to verify my personal information and i advised them they will have to sent me information via paper bc im not providing my personal info. when i talked to XXXX he said no we can not send a paper confirmation of debt. And XXXX proceeded to tell me once a payment arrangement is set then he can send an email a confirmation. During any of these conversations, they did not say they were a collection agency, only from law firm. i asked for the company they are representing and they said advanced america and said it was {$410.00} owed for a payday loan from XXXX advised i will talk with them directly to resolve and XXXX said its too late for that. XXXX also stated were going to take t to court and charge u court fees and take everything you have. then XXXX hung up the phone. called back and got voicemail for XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
I have been banking with USAA for about XXXX years. I have disputed the order of transactions several times but it continues to happen. For example, I will make a purchase and the funds will be available and the money taken out of my account. Then a few days or a XXXX later the transaction will appear to have overdrawn causing a fee and the transactions will be out of order. It seems transactions are out of order for the convenience of the bank taking out bank overdraft fees. That causes of slippery slope of fees because the bank takes out money that is n't supposed to be taken out. That leaves the unknown of where the funds went that was taken out when the purchase was made. USAA is either stealing out of my account and charging fees or something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
I got a loan through The Money Source in XXXX XXXX for a primary residence. In XXXX they sent me a letter stating that there was an escrow shortfall. I had to come up with another XXXX to cover the shortfall and even with this additional money my mortgage payments increased by ~ {$500.00}. In the meantime I was granted a 5 year property tax abatement by my township which effectively reduced my mortgage payments by ~35 %. I just received another letter from The Money Source stating that I had another escrow shortfall. They have now instructed me to pay another {$2400.00} and that my mortgage will increase, yet again, by another {$400.00}. I then went to the tax office in my township and requested a copy of the property taxes I paid last year. When I called the representative who handled my case back in XXXX, we went through the numbers and there is some mysterious amount of over {$7000.00} that is listed as an " actual '' payment that does not match up in any way with the document I received from the township. The statement The Money Source sent is very confusing and has " actual '' payments and disbursements listed. What 's the difference? Either they are guilty of gross negligence in calculating my property taxes not once, not twice, but three times ( because they also got it wrong prior to my closing ) or they are a predatory lender. The way the conversation ended was I was told that I had to pay the new mortgage amount, which now represents an ~ {$900.00} increase from the amount I was originally quoted I would have to pay, by XXXX XXXX. The statement I received is dated XXXX/XXXX/XXXX but I just received it today, XXXX/XXXX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
They have listed on my credit report but made no attempt at contacting me. Suspect this is zombie debt. Set open date incorrectly for sure

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
County taxes were taken from escrow account with TheMoneySource by XXXX on XXXX/XXXX/2015 ( about {$4100.00} ). Refinance completed with XXXX XXXX/XXXX/2015, and taxes were instead paid by the title co ( XXXX ) on XXXX/XXXX/2015. County tax office confirms that any attempt by XXXX to pay after date would have been rejected and taxes were not paid twice. XXXX has refused to acknowledge that a refund is due, ignored numerous calls and even demand letter to locate these monies, and insists it will take months to figure out what has happened and effect the refund. Obviously we are into the third month already. XXXX 's helplessness and puzzlement is incredulous. With a few keystrokes they can most likely locate and immediately effect a refund.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX Denied employment and credit Checked Experian has wrong information I have never notifired of any collection nor do i owe anyone home or car! 
Collection item from XXXX in a small SC town.

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 2017-01-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I applied to USAA for a re finance, the original company supplying me the loan was XXXX XXXX. I notarize and sent all necessary paperwork to USAA as soon as I was able. I was informed around a week and a half ago that a check had not been sent to XXXX as of that day and there was some confusion regarding the payoff amount for the loan. I ensured that the representative had the correct payoff amount for the check and assumed everything was fine. I received a call today, XXXX XXXX, 2017 from XXXX XXXX, informing me that they still have not received a check. I am now 29 days " past due '' according to XXXX XXXX and still waiting for the payoff check to make it to XXXX. I have {$100.00} to pay XXXX because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PROVIDENT FUNDING ASSOCIATES
State: FL

Complaint narrative:
addition to complaint XXXX Provident is now asking for duplicate documents, typo correction from insurance company on documents they have had for weeks, wife 's professional licencse ( even though two years complete XXXX 's provided as well as employment verification through the state of FL ) and now want us to execute a new sales contract extending the closing date past XXXX/XXXX/16 even though contract already has a built in extension for compliance with CFPB rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2015, my house XXXX flooded. When I received the disbursements from the insurance company, I sent the checks with copies of the Proof of Loss and the contractor 's estimate to USAA XXXX our mortgage company ) and waited for the check. 

On Friday, XXXX XXXX, XXXX, I called and asked the status of the first disbursement for the contractor and was told that my information has been received and input on XXXX XXXX, and it would take 5-7 business days to send the check. 

I called back Friday, XXXX XXXX, XXXX and was told the 5-7 business days was for processing time and that the check would be mailed in 24-48 hours. 

I called back on Wednesday, XXXX XXXX, XXXX and was told my packet was missing the Proof of Loss from the insurance company and the contractor 's estimate and that nothing could be done until they were received. I was given an email address to send electronic copies to and sent that email XXXX. 

I called back Thursday, XXXX XXXX, XXXX and was told that it would take 24-48 hours to input the documents and that the check would be sent after that. 

I called back Monday, XXXX XXXX, XXXX and was told everything was cleared and that the check would be going out. 

I called back Tuesday, XXXX XXXX, XXXX to insure the check had been mailed and was told it had just been released and would be mailed on Thursday, XXXX XXXX. 

I called back Thursday, XXXX XXXX XXXX and was told that my file was missing the contractor 's estimate. I asked to speak with a supervisor who looked in my file and said she saw something from the contractor that said how much the repairs were going to cost. 

Regardless of whether the contractor 's estimate is actually in their possession XXXX the number she quoted off it made it clear it is XXXX, the fact that they have repeatedly told me that the check is going to mail soon and then continually delaying the process is entirely unacceptable. Losing paperwork on multiple occasions smacks of willful negligence. USAA purports to serve service members and veterans, that I and my family has been treated so poorly is beyond my comprehension.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Solutions LLC
State: CT

Complaint narrative:
I paid debt to XXXX XXXX XXXX through a settlement with their lawyer in 2015. Now XXXX XXXX is using a different lawyer who says that settlement in 2015 is null and void and I have to pay again.

Company response to consumer: Closed with explanation