vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-11 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: WI

Complaint narrative:
We lost our home ( of almost 14 years ) to foreclosure XX/XX/XXXX called XXXX ( to whom we had been a loyal customers since XX/XX/XXXX!!!! ) to cancel our cable since we no longer had a HOME ( we were actually homeless XXXX, until my in-laws took us in )!!!!! We returned all there equipment & all of a sudden 6 months later they send us a almost {$700.00} bill to which half of that was the equipment we had already sent back over a year ago!!!!! First we lose our home to XXXX mortgage ( yes XXXX the big banks bailed out by our government promising not to foreclose on homeowners, what caring people they are NOT ) then XXXX is trying to ruin our credit for money we do not owe them!!!! Our XXXX dog XXXX is buried on our farm along with our XXXX cat XXXX!!! Was it not enough the home my husband & I planned on growing old in, the home the bank wanted us to pay {$160000.00}. But instead of working with us they foreclosed & turned around & sold it XXXX what a slap in the face!!!! 
The hardest thing was my children lost there childhood home they grew up in, as far as I am concerned these big banks are criminals right along with XXXX!!!! 
So here we are starting all over again. I will be turning XXXX years old my next birthday!!!! I will be a senior citizen starting all over how do we recover from that? 
What do they think this does to a persons mental state of mind!!!! Treating people like we are nothing more than a piece of garbage & not just taking our homes but taking our pride & self worth from us!!!! Not XXXX these banks was held accountable for what they have done to us, as well as many other home owners!!! 
But no they just let these banks get away with it!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I applied for a home refinance loan at loandepot and after 5 months of having received conditional approvals, good appraisals and meeting FHA requirements my application has been denied because of the underwriters demand for a structural engineer report for my garage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Hello, Re-XXXX my name is XXXX XXXX XXXX, I have been paying XXXX mortgage through my checking account. I actually paid the full amount which was due on XXXX XXXX, XXXX, There is a problem with USAA lost Medication Department. ( XXXX XXXX ) has confirmed they have not received any payments. However, my bank which sends the payments. through electronic has confirmed XXXX has been accepting the payments. On XXXX XXXX, XXXX, I was on the phone with XXXX and my bank, and the bank confirmed the payment and the address. This information is recorded. so Please listen to the recording. XXXX XXXX has sent the letter from their research department ( XXXX ) XXXX confirming no payments have been made. Letters dated XXXX XXXX and XXXX XXXX XXXX. On XXXX XXXX I received my check uncashed from XXXX loss mitigation department. ( the check they say they did not receive ) photo attached. One thing Lost mitigation department can not lie about my electronic payments. XXXX XXXX actually sees the payments, XXXX XXXX has stated he will not send XXXX anymore funds all the funds will go to USAA corporate office. It is evident that someone at loss XXXX is trying to sabotage him. There is n't any reason for 5 payments received before XXXX/XXXX/XXXX and they are all lost and not received. The last electronic payment was returned, I have actually XXXX with signed confirmation to USAA Headquarters XXXX XXXX @ XXXX has advised no to do so. However, XXXX has lost faxes and payments. It 's evident there are issues. Here are all the payments sent. Which are {$2000.00}, {$200.00}, {$1600.00}, {$1800.00}, {$1800.00}, {>= $1,000,000} I believe these amounts take care of all the payment which were due. Now if XXXX XXXX sends them back and lies about it. XXXX XXXX actually have copies of the letters they have sent. She claims she ca n't listen to the conversation. It shows pure laziness and deceitfulness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CONDOR CAPITAL CORP
State: IN

Complaint narrative:
Condor Capital continues to contact me regarding this matter. I included this company in my bankruptcy that was discharged on XXXX XXXX 2015. They owe me a $ XXXX refund as well that they refuse to send to me. They will not update my credit file showing I do not owe them.

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 2016-10-08 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: MB FINANCIAL, INC.
State: IL

Complaint narrative:
Family account was established XX/XX/XXXX for those family members who were not able to pay full prices for all future family reunions. So XX/XX/XXXX after the markets fell, and we could not go on family reunion trips regularly, I ask the bank what amount was need to keep account open. Myself being the treasurer of the family club fund left {$290.00} the amount I was told in the MB Financial Bank in XXXX XXXX IL. In between that time my sister XXXX XXXX whom was the name on the account had moved, there was no mail forwarded to new address from old address so, long story short they deducted all funds over the course of the five years. Now present day we went to go close out the account was told we ca n't get any of our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One refuse to validate. I do n't remember paying anyone credit company since XX/XX/XXXX. They said its XX/XX/XXXX, I know its not correct. 
XXXX I sent a letter to validate

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, although debt was discharged via bankruptcy in XXXX 2014. Have contacted Consumer Reporting Agencies following instructions on their websites, XXXX via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. In addition, this creditor sold the account to a collection agency AFTER the bankruptcy discharge. The collection agency ( XXXX XXXX XXXX ) continues to contact me illegally. 

Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due as of the bankruptcy date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I used a balance transfer on my Union Plus credit card to pay off other credit card.s. My minimum payment was {$25.00} a month. I made monthly payments of {$50.00} a month. XX/XX/2016 my minimum payments doubled from {$25.00} to {$56.00} a month. According to representatives XXXX and XXXX, this was because my account started accruing interest. This does not explain why my minimum payment almost doubled. I do not use this card for purchases. It was strictly to transfer a balance from another credit card. Capital One has now added late fees of {$35.00} to my account since XX/XX/XXXX which they refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i am well aware of all the red tape in this world just so disappointed when it comes to my favorite bank capital one. made a dispute OVER DEFECTIVE phone from XXXX XXXX that i did contact them about but never heard back. first dispute comes back saying well you bought it to which i respond i never disputed i bought it so on XXXX XXXX i sent back that IT IS DEFECTIVE. no batteries broken. instead of asking me for further proof which by the way i have never had to provide they closed my dispute. Well i am not paying it. nor should i. One it was not handled right i was not contacted for whatever proof they needed BEFORE they closed it etc. and i still have abad phone. Online Customer serice XXXX XXXX too long. i am super surprised at capital one for this. it had been my card of choice for all reasons. please reverse charge. i am not paying it. i also note for the record NO ONE at XXXX XXXX contacts me in response to my contacts or otherwise. REVERSE charge on card ending XXXX as for contacting me i can only be reache after XXXX eastern. i work so calling at any time is a waste.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have been receiving " 0 % for 18 months '' offers from Capital One, with whom I hold a card. This is an offer no one would take if they read carefully. After paying 3 % to use their " 0 % check '' or making a balance transfer, the rate on the entire account goes to 17.9 % if you make a purchase using the card. I think they are counting on people not reading carefully and/or not understanding the offer -- or on accidentally using the card for a purchase. May be legal, but very shifty.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is constantly misleading consumers about low-interest promotions. 
As result, I will end up paying over 20 % interests on those old purchases, not just on the balance additional purchases at the end of the promotional period. 
The promotional notes that I received on the advertising materials do n't disclose the rate increases at all, while I 've just been contact by Capital One sharing " good news '' stating that my account it is eligible for a lower annual percentage rate ( APR ). So, to make the notice prominent enough, Capital One is creating the " impression '' that higher rates wo n't apply and it will go down to a standard purchase rate, but without communicating the actual rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied online for a Citi Thank You Preferred Card. I was approved. This particular card gives you XXXX bonus points when you spend {$1.00} when the XXXX 3 months of use of the account. I was keeping track of my transactions, and had made roughly {$1600.00} in purchases within the XXXX TWO months. I noticed that the BONUS points were not issued to my account. I have other reward cards and usually any bonus points are rewarded soon after the threshold spending level is reached. This was not so with the Citi Thank You Preferred Card. I contacted the customer service department to get an explanation. After waiting two days for an e-mailed response, I was informed that I was NOT enrolled in the bonus point program and that " on my contract '' I was given an 18 month 0 % APR introductory offer instead. The Citi Thank You Preferred Card according to the Citi website has a 12 month 0 % introductory APR plus the XXXX BONUS point program. The 18 month offer is not even the standard issue for this particular card. Needless to say, I was not informed of the change. I feel that they used a bait and switch technique to get people to sign up for their cards. It seems like a form of fraud. Incidentally, they did say that I could contest this if they sent me any printed material which confirms the BONUS point offer was offered to me. I APPLIED ONLINE, IT 'S ON THEIR WEBSITE, It 's also mentioned on various websites that help consumers compare credit cards and help them to decide which card is best for them. I feel that people should be made aware of Citibank 's fraudulent practices in regards to their rewards program.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
The current issue just came to my attention when I attempted to get a loan and was asked about a charge-off listed on my account. I should not have had any charge-offs so after requesting my credit report I found that CNAC had reported this to the credit agency. CNAC was the holder of a car loan that was sold to another company who filed a civil suit. This went to mediation and the case was dismissed due to the alleged debt being the direct result of an illegal repossession and illegal communication of this debt according to GA law. The company did not sent proper notification under GA law. The illegal repossession and communications were done by CNAC at the time they first attempted to collect this alleged debt. These actions lead to the dismissal of the debt and was filed with the court. It has now come to my attention that CNAC is reporting this as a charge-off on my account when the debt was dismissed due to it being an illegal repossession and improper communication of debt. CNAC would not accept me telling them via a phone call this case had been settled and refused to acknowledge that this debt had been dismissed. This debt is an invalid debt and was proven as such in the civil case regarding this alleged debt. This is negatively impacting my credit and has contributed to me not being able to obtain credit on several occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XXXX 2015, I filed a dispute with my credit card company, Capital One againstXXXX XXXX XXXX XXXX for XXXX transactions - {$240.00} deposit and {$200.00} pet fee. In XXXX 2015, Capital One closed my case citing that I did not provide documentation. I provided Capital with the XXXX Itinerary of the bookingreservations from XXXX of the {$240.00} deposit paid and remaining balanceof {$1900.00} to be paid upon check. I also provided a letter documenting my conversationbetween the XXXX XXXX Front desk agent that I declined housing my pet. 
Capital One closed the case citing that I did not provide documentation of thecredit for the pet fee. I finally agreed with Capital One to pay the {$200.00} pet fee since I did not have the proof they needed, but was perplexed that my case for {$240.00} deposit was also closed even though I provided documentation. I have pasttwo weeks, I have been getting the run around from Capital One. 
any proof, but still

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
They call XXXX times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One credit card is reporting a negative and fraudulent account on my credit files and they have been doing so for years now. I have sent them police reports and dispute letters numerous times and they refuse to resolve this issue. They replied bakc last week after years of no replies and said they verified he account and confirmed my address and the accounts Belongs to me from their records. I disagree. I continually disagree and this is identity theft and fraud and I had mail theft as well and that would account for all of this. I have sent all the info merino to capital one now on multiple occasions and they refuse to assist and handle this matter. They have broken credit card rules and regulations numerous times by disregarding my disputes, not replying wihtinthw allowable time frame, harassing me with phone calls and letters as well as having attorneys and collections call me numerous times. They have not handled his urgent matter and it needs or be properly handled. This account and balance thus are reporting and saying belongs to me does n't. I have done very thing in my power to get assiatnce with this and I 'm beggin. You to please get this removed from my credit file as this does n't belong to me I paid on this account at first thinking it was my debt until researching and understand in fact it is not mine. Capital one has threatened me and lied numerous times and has caused me nothing but upset and hardship for an account that does n't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The specific problem here is Citibank 's failure to take XXXX " declined '' transactions out of its " pending transaction '' queue for my credit card. The more general problem is the absurd administration of the queue for various transactions. The attachment shows that queue for my Citibank AA Platinum credit card. 
The specific problem arose because on XXXX XXXX, 2015 my daughter ( a cardholder on the account ) went to purchase XXXX season ski pass for the ski slopes near hear college for {$500.00}. The transaction did not go through. She kept trying to submit it and ultimately a {$500.00} charge went into Citi 's system 4 or 5 times ( I 've been told different things by Citi during calls with Citi ; they should have call logs ). According to Citi, all such transactions were declined. However, 6 days later, there are still XXXX " pending '' transactions for {$500.00}. Those all use up my credit limit. Ultimately, on XX/XX/XXXX, my daughter tried the transaction again and I am told by her that it went through. 
I 've called and emailed Citi asking them to get rid of the already " declined '' transactions. In response, I receive emails that tell me the transactions can remain in the queue for up to 30 days ( see the attached emails in the image file ). You need to issue a regulation that stops such stupidity and unfairness. 
More generally, this little mess caused me to look at how long some things sit in the queue. You can see for yourself when you look at the list. It 's absurd. There are XXXX day old gas station charges. There is a XXXX XXXX charge for {$100.00} that no doubt is a placeholder charge from my stay at a XXXX LAST WEEK. I checked out XXXX XXXX XXXX. 
Obviously it 's easiest for merchants and Citi if they act slowly, if at all. XXXX, for example, should close out the placeholder. And, Citi should void out the XXXX declined ski pass transactions for {$2000.00}. But instead, they do not and I end up wasting my time on this nonsense. Moreover, it may be that these long delays help the bank to rack up " over limit '' fees from many of its customers. As we all know, today 's banks are all about hitting consumers with fees. This may be the same scam as stacking checks ahead of deposits in order to create overdraft fees in checking accounts. 
In sum, since Citi and others fail to act in a timely or responsible manner to clear out old transaction, you need to issue regulations that force timely and responsible action. Yes, it will cost Citi money to do things in a timely manner, but that 's what should be done and having more employed people would be a good thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have XXXX late payment with this account. My brother passed away and I was emotionally not stable. I called the credit card company to ask them to remove the late payment, but they would n't. I have never been late except for this one time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Over the past year for my business, I have borrowed money from my Capital One Spark Business Credit Card through a program called " No Hassle Checks. '' I have done it four times and paid it off immediately. On XXXX XXXX, 2016, I requested a check and they said it would take at least 10 business days to arrive. On XXXX XXXX, 2016, I received notification of an invoice due On XXXX XXXX, 2016. I have n't even received the check yet, never mind cashed or used it, but Capital One is already charging me? And charging me 24 % interest to boot! They are charging me 24 % interest on a transaction that has n't even occurred yet? This ca n't be right. Its already disgusting the rates at which they are able to charge, but now they are able to charge on hypothetical transactions? Something needs to be done about this. The blatant fraud of these banks knows no boundaries.

Company response to consumer: Closed with explanation