vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-02 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: TX

Complaint narrative:
Credit Collection Services is contacting me regarding debt for XXXX XXXX XXXX. I have never had XXXX XXXX of any kind, and have had the same insurance for the last 5 years, which is 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 2016-12-29 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One called my relative on XXXX/XXXX/2016 at XXXX and disclosed to them that I allegedly owe {$900.00} to their institution. 

This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
An acct was opened in my name with Capitol One. Once I discovered this, I informed Capital One that it was not my debt. The account was charged off at some point and removed from my credit file XX/XX/XXXX. I received a notice from XXXX XXXX XXXX on XX/XX/XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files XX/XX/XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. XXXX XXXX XXXX only sent me a collection letter and a capital one statement from XX/XX/XXXX as verification on XX/XX/XXXX. Which is not validation of this debt. I responded to their letter on XX/XX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have XXXX credit cards and XXXX of them charge me 22 % + in interest. My credit rating is great, XXXX, and my history with those businesses is also good. My payments are on time, always more than the minimum, with no late payments. The XXXX credit card I have has my interest at 9.5 %. 
I have tried many times with these other cards to negotiate lower rates, and have cited the reasons why as well as use competitive bidding with my lower card. TIme and time again they have refused to lower my rates with little to no justification. 
The XXXX cards I have are with Capital One, XXXX, and XXXX. From my understanding they borrow money for little to no interest from the Fed. They then set absurdly high prices with no true reason other than to make ridiculous return in profits while offering poor service to the consumer ( me and I 'm sure there are others ). This is price gouging. 
As we 've seen from the XXXX XXXX scandal there are serious issues in the banking industry. The scandal is massive, widespread, and in my opinion it is clear they knew exactly how wrong it was to do those actions, but did it anyway. I believe this issue with absurdly high interest rates is just as toxic and corrupt as the XXXX XXXX XXXX. This needs to be investigated and there needs to be justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a credit card from XXXX XXXX 2014. I paid my first 3 payments or XXXX right on time like clockwork. On 4th month my wife was diagnosed with health condition that caused her to be put on leave from work so in mean we fell behind on many bills and many debtors worked with his. I advised Capital one of the situation when I paid {$250.00} on my balance of {$420.00} and the lady I spoke to my payment and even waived XXXX late fees for but never advised me account was restricted. I did not find that out to after my {$250.00} posted on my account and rep told I could not use my account because I feel behind. I was never told my account was in danger of being restricted and I even made payments when I got some extra money during the time my wife was off work. I have XXXX kids who I have to feed and keep a roof over their head. I called again today on XX/XX/XXXX and they told someone noted the account as speaking to me and telling on XXXX XXXX my account was going to be restricted. I was once never told my account was being restricted at all. Even when I spoke to reps about my unfortunate situation during the time I fell behind. I just do n't get how a company can go off internally notes from a rep saying they spoke to me about my account becoming restricted. I never received a letter or a message on my account of my account becoming restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Kohls/capone On XXXX/XXXX/XXXX I sent Koihls Department a Debt Validation Dispute letter because on my credit account it stated Derogatory acct # XXXX of which I owe {$770.00}. sent it certified Mail Return Receipt requested.Post Mark received on XXXX/XXXX/XXXX. However during the period of days, I received Some bill Invoices correspondence No acknowledge or Debt validation response has come to my attention, They did n't put on my credit report that the acct is disputed.I have sent another letter, waiting the 31 days, I sent another XXXX Disputed Debt validation on XXXX/XXXX/XXXX. But even on the second dispute Debt Validation letter all I received was statements Invoice Bills again with a letter stating they receive my dispute here are invoices to refresh your memory. a week or so passed when I received a envelope with a second letter stated the same date XXXX XXXX, XXXX some more invoices of Bill statement. On Credit check Total which provided you with all XXXX credit bureau on XXXX/XXXX/XXXX its staes Kohls/Capone. on XXXX Charged off as bed debt disputed resolve, reported by grantor. that is false and is in violation, putting words and falsifying, I never had contact by phone or correspondense by me. XXXX was in dispute- now resolve, another lie and violation, I never even spoke.reported by subscriber. unpaid Bal. charge off as a loss by credit grantor XXXXcharge off acct.All I received from Kohls were bills invoices and No acknowledgement of debt validation.I never reported resolve I 'm still fighting this collection. this is a violation of them stating this matter is resolve when it isnt. I would like to know who done this.On My last Bill sent to me as a bill invoice statement it states balance XXXX on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I try to apply for the Capital One Quicksilver Cash Rewards by Captial One internet site and they do not provide residents from Puerto Rico to apply. I find this discriminatory.

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

Complaint narrative:
Auto being financed was repossessed without proper notification. When account settled, I was informed the repossession fee would be put at end of loan, instead it was charged the next month. Contacted them about it, they said it was just their policy and not to worry about it. I did that, but now they added a late fee due to not making full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 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: FL

Complaint narrative:
I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit. I would like to get more info about this bill, did n't recognize the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX, I opened an CD with the USAA bank. 15 years later, I call in XX/XX/XXXX, to check my account and to see how much interest my CD obtained over the years. I am then told by an employee that I have no funds in my account because I got an loan in XX/XX/XXXX. I told the employee I never signed an loan, but they fax me paper work with my signature. Although I told her I do n't recall ever getting this loan, I asked her where was the check because I never received an check. They said they would investigate. 

I call back two weeks later and they told me the check has n't been cashed, so then I request to get my money back and this is where things get sketchy. They give me the run around for two months, claiming this and that. They were suppose to put out an fraud claim, and my daughter even recorded conversations with them asking where my money was. 

Finally, I sent an complaint to the XXXX. The XXXX gave them 7 days. The CEO, XXXX XXXX, responded back to the XXXX saying, 'in my account the loan was given to me, and the funds were taken out of my account to pay back the loan. ' However, I sent an rejection to the XXXX telling them I never received an check, and that the check I was suppose to get was not cashed. If the check was n't cashed, why are n't they able to give me my money back in my account or issue me an new check? It 's because they 're stealing from customers. 

Upon searching online, I have found similar complaints from other customers within my location of who also been betrayed, lied to, and stolen from from this company. The USAA location is XXXX XXXX XXXX, XXXX XXXX Tx, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
3rd party debt collector " Diversified Consultants '' contacted me at work on Wednesday, XXXX XXXX, at XXXX XXXX. I spoke briefly with them and told them they were welcome to contact me, but NOT between the hours of XXXX XXXX to XXXX XXXX M-F because I am at work. 

Diversified Consultants ignored this request and called me again at work on Friday, XXXX XXXX at XXXX XXXX. 

They were attempting to collect a debt on behalf of XXXX XXXX XXXX that I have already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was a victim of Identity theft in XXXX 2014. A credit card and debit card was opened under my name through USAA. I called USAA and had the account flagged. I gave USAA a passphrase in case I needed to unflag the account. They never wrote down the passphrase. 

In XXXX, I needed to unflag the account. When I called USAA, they said that they needed to authenticate me and it would take a couple of days. They said they would call my number in 48 hours. They never contacted me. Due to XXXX, I had to wait a couple of months to get back in contact to unflag my account. 

XX/XX/XXXX, I called USAA to unflag my account, and this time they asked to authenticate me by a phone number. The phone number on the account is incorrect, and I was told that in order to change it, that I needed to log in on USAA.com to change it. That would work, but my account is flagged, so this is impossible. I was told they would escalate my issue with a back department that would call me back in 24 hours. This never happened, and every time I called over the next XXXX weeks, I was told the same thing. 

I finally decided to go to the USAA XXXX page to see if I could get better support from them. A lady named XXXX called me saying that I should call her extension to get the problem resolved. However, when I called USAA again, I was told I had to be authenticated to be able to contact her.

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 2017-03-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Continues to violate payment allocation rules according to the Credit Card Act. " PAYMENT ALLOCATION Subject to certain exceptions, when a consumer makes a payment on his or her account, issuers are now required to allocate the amount of that payment that exceeds the minimum payment first to balances that are subject to highest interest rates and then to each successive balance bearing the next highest rate of interest. '' I have a promotional balance with a 0 % interest rate. My 1 Regular Purchase for {$450.00} and my 1 Cash Advance for {$500.00} both accrue interest at 16.15 % and 16.40 %. I 've been making several payments way above my minimum payment which has been {$0.00} on all my statements since XX/XX/2016. USAA has not been applying the payments to the highest balances with the highest interest rates first according the Credit Card Act rules or their own credit card agreement. 
From USAA 's Credit Card Agreement : " How we apply Payments. We may apply Minimum Payments and other credits other than payments in any order we deem appropriate. Amounts paid in excess of a Minimum Payment are applied to the balance with the highest APR. '' USAA has continued to adjust my payments to balances in order to continue subjecting me to paying interest on balances that should have long been paid off. I previously contacted USAA directly regarding my concerns and filed a previous complaint, yet nothing has changed. I was even told by a senior USAA executive that I would be getting the interest I 've paid reversed, that never happened either. Is there another federal agency I should be reporting this blatant violation too? At what point should I contact an attorney or file for legal action?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
XX/XX/XXXX/XX/XX/2016 I was contacted by USAA treat unit who told me that my checking account had been compromised and they needed to add another level of security. I was alarmed and agreed. A few weeks later I was again contacted. This time they said that someone is trying to hack into my checking account ( this was around the XX/XX/2016. I responded please close my account. The person I was speaking with said she could n't do it but would transferring me to someone who could. After being transferred several types ( at least XXXX ) and without resolution I finally got someone who seemed to want to help She said she was also a veteran and would stay on until the issue was resolved. However, she too was passed along several type and finally she got to a person and demanded that this person close my account. Next she and the other person started arguing about who 's job it was to close accounts. This argument pursued as I was on the phone. finally the she said to me I 'll get this resolved for you and call you back. several weeks later after I had heard nothing from USAA. I received a statement that said that my account was overdrawn and I was responsible for XXXX dollars of overdraft fees. Again, I called USAA to inquire about what was going on and why was n't my account closed as I had requested weeks earlier. First I was told that there was nothing that could be done about this. ( with no explanation why ). I then escalated my concern to the CEO 's office where I was told that there was nothing that could be done but for me to pay the overdraft fees and then they would close the account. When I asked to speak to a manager. The person placed on hold and came back and said the manager " does n't want to speak with you ''. Frankly I was shocked. I 've been with USAA for over 20 years and never had a problem with their customer service. At this point I reached out to the corporate office where I spoke to a XXXX employee number XXXX. After I explained all that had occurred she said she would look into it and call me back. two weeks later after I heard nothing from she I received a letter from USAA basically saying that they are reporting me the credit companies. I called XXXX and left several voicemails and days later she returned my call and said that she had researched my complicated and there was NO documentation of my calls. And therefore I had to pay. Now like I said I 've been with USAA for years and they always document every call. I believe there is something funny going on with USAA since they initiated the concern in the first place. And now they even denie doing so. My major concern is them reporting me to the credit companies as I have a small business and a entry of this nature will serious hamper my ability to do business. PLEASE HELP!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
Institution ( USAA Federal Savings Bank ) does not want to allow me access to websites and account information regarding an unsecured " personal '' loan that was used for business purposes. Originally I had access to this information but now the company is denying me access to any documents that reference or state the amount they approved of {$50000.00} and any history relating to it. ; This documentation is needed for financial reporting and records. They also canceled my automobile insurance which stayed up to date and other accounts I had with them and restricted online and mobile account access for quite some time due to this unsecured loan being charged off as of XX/XX/XXXX-XX/XX/XXXX. I contacted the company over the phone and in writing on several occasions and the company barely helped if any and the employees did n't even have the clearance or knowledge as to what was going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: RI

Complaint narrative:
My city sent me a legal notice stating my taxes were delinquent and there would be a tax sale. When I contacted the city they stated my taxes had not been paid all year. I contacted the mortgage company and they started there research XX/XX/XXXX. I called back two weeks later they stated a resolution date of XX/XX/XXXX. I called XX/XX/XXXX they said to call back XX/XX/XXXX. Today is XX/XX/XXXX I called the city and they said they have still not received any payments and no one has been in contact with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optima Recovery Services LLC.
State: MO

Complaint narrative:
Optima Recovery Services LLC showed up on my credit report and the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX in 2011. The amount on my collections is {$380.00}. I have never seen this amount due or been contacted to my knowledge for owing such an amount. I looked it up on my credit report and it stated that it was opened in XXXX 2011. I had no clue what the charges were for nor have I been to a health clinic in XXXX XXXX, MO. I called the original creditator who stated I was not in their system and never had been even to send to collections. I called Optima Services and the lady on the phone stated the only way I could remove the amount off my credit report would be to pay the XXXX in full. I told her I did not owe that amount and she stated it was for a XXXX. I told her I had full insurance, and if I had that service ( which I did not believe I had then it would have been paid by my insurance ) She could not answer my questions as to where, when and so on. So I asked to speak to a manager named XXXX. He said if I provided a receipt that it was paid they would take it off my credit report. I asked him if the insurance covered part of the services because I had insurance that should have paid it in full. He then admitted my insurance was never billed. He tried to say because I never submitted it to them. I had no knowledge of such a bill and if I had my insurance would have paid it in full. I do not owe this debt and would like it removed from my credit report immediately. They can no provide me with any information on the account nor support that I did not provide them with my insurance information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief