vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: VA

Complaint narrative:
On or around XXXX XXXX, 2016 identity theft and fraud claim was reported on a checking account in which I am a joint owner. Both myself and the other account owner made a report. In addition to the verbal report to USAA on XXXX XXXX, 2016, a police report was filed on XXXX XXXX, 2016 and a copy was provided to USAA. 

During the course of USAA 's investigation, USAA has frozen all accounts in which I was a sole owner, preventing me access to my money, and by locking me out of online account access, USAA has prevented me from updating other products that I have, i.e. Auto & Property Insurance, Life Insurance and investments. Furthermore, USAA sent a notice requesting that I pay {$12000.00} in overdraft fees in which I am not liable according to USAA 's Terms and Conditions. 

USAA 's policy states that account holders have 60 days to report fraud. The report was made well within the 60 day timeframe. In addition to the verbal report, the debit card associated with the account was reported as lost about a week prior to the fraudulent activity being detected. The {$12000.00} is excessive and goes against USAA 's written policy regarding fraudulent charge reporting. The investigation into the matter was opened on or around XXXX XXXX and as of XXXX XXXX, I have not received any information or updates about the findings of USAA 's investigation or how USAA came to the conclusion that the account holders were liable for the {$12000.00} in overdraft charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
All of the above. 
Upon finally leaving XXXX as a XXXX on XXXX i hired a local cleaning crew give our base housing another final clean. The management told us not waste our money due to the fact that our residence was the last house remaining with carpet. We were told they would tear it all out and lay hard wood like all of our neighbors. I thought it was finished. I was wrong. 
To check out of base housing por house was inspected. We passed. 
With My papers signed we left XXXX military life headed to Idaho. 6 months later my wife started getting phone calls throughout the day ... Every day. All day. Some minutes apart. Some hours apart. 
She nearly answered them all. Diligent to find out who was harassing her she maintained her routine. I would n't have. But they did n't call me ... The XXXX, who 's credit it 's on. Who 's name was the housing. 
When called base to figure out the details XXXX military housing said did n't owe anything and agreed with the previous statement that the floor covering removed and a wooden laminate was put in place. 
However the so- called dent is still reflecting on my credit. 
I want the whole thing And all derogatory remarks removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX representing capital one bank indicating I owe full balance {$6200.00}. I never even had credit that high let alone owe this bogus attempt to collect. it says at the bottom Because of the age of the debt we will not sue you and we will not report it to a credit reporting agency ... Totally a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Not enough information of validation of debt. I contacted Credit Control Services Inc through certified mail on XXXX/XXXX/16 for validation of debt. They placed collection activity on my credit report without any prior notice on XXXX/XXXX/16. the account in question is # XXXX. Collection amount {$230.00}, however I do not owe this debt and know nothing of it. Credit Control Services appears to be a third party vendor. I believe they are doing this illegally and want the debt to be removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called on XXXX transaction on authorized transaction in my account and they disputed them but about three days later decide to close my account without notifying me although I know that credit card if you have to notify mebut what I do know is that a credit card company can not restrict or close your account for disputing transactionsI calledrestrict the account because I reported fraud and disputed transactions now they do n't even let me pay what 's left I tried to pay the bill and every time I try to come back saying that I 'm not eligible payments so the count is still staying the same interest fee they do not pay any fees and have XXXX credit cards and the same for the other ones the same

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One/XXXX is reporting to XXXX that I had a 120 + late payment back in XXXX 2009 which is false that account was always paid ontime. Recently after disputing the information with XXXX Capital OneXXXX updated that the account had a positive revolving history to XXXX and XXXX but not to XXXX. This is negatively affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In XXXX, I was unaware that my line of credit matured and was cancelled. I was paperless in an XXXX. They said they would extend it until we arrived home. XXXX XXXX at Capital One on XXXX, LA talked to us when we returned. XXXX took our reapplication to reopen the line since we had had this with your bank for 10 years and had been with capital One for 30 years at the XXXX, LA branch. In that time frame, we spoke with the manager and explained. She called Capital Loan dept., spoke with another woman who said she 'd handle it that day, XX/XX/XXXX. We have a fax confirmation from XXXX XXXX XXXX, XXXX. The woman in Loan dept. said a week later that she did n't receive it although the manager at Capital One on XXXX. had the fax confirmed. So the money we paid over 4 months to our Line of credit was never applied to our line of credit. It was held in a Capital One Management fund. We paid {$2400.00}. on XXXX? XXXX. On XX/XX/XXXX, we paid {$1300.00}. On XX/XX/XXXX we paid {$1400.00}. On XX/XX/XXXX we paid {$300.00} and on XX/XX/XXXX we paid {$2500.00}. On XX/XX/XXXX we paid {$1200.00}. and XX/XX/XXXX we paid {$500.00}. On XX/XX/XXXX we paid {$2000.00} and XX/XX/XXXX we paid {$1500.00}. None of these were applied. After this occurred, we were told to pay the entire amount off. On XX/XX/XXXX we paid the entire balance. XXXX XXXX helped us do this at Capital One XXXX XXXX. XXXX in XXXX. The new loan number was XXXX. When XXXX XXXX faxed this to XXXX in the Loan Department, and told us it was supposed to be applied to our line of credit. XXXX 's phone # is XXXX. It never was applied. So all of this time Capital One held our {$4700.00}. and never applied it to our line of credit. Then we were placed into a collection agency despite us paying on this. It ruined our credit. We were trying to refinance our home from a 5.5 % loan to a 3.3 % which we were attempting to do with XXXX at Capital One. Because of the credit agency, we were refused. This cost us {$35000.00} over the 30 year loan period.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or compay .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I recently moved away from home with a friend to a new location to find out that I have n't been able to purchase my own vehicle, rent a car, buy a phone, or set up banking account due to my credit. When I was younger I had a lot of things in my name that back fell on me and not be trained growing up on what to do or how to handle those situations I am now learning how to reach out to someone to report things under my name that I neither authorized or used. Or could have authorized at a younger age but did n't know what it may have been for not knowing what credit was or what it meant to have good or bad credit. I checked my credit report and see many things that I am definitely not aware of using or ever having, or even do not have at all on me. I do remember signing up for cards at a younger age with family that I thought was something like having a banking account. The older I got the lesser I saw any of those card and I do remember finding out about one of the, that I ended up calling to close. I start taking responsibilities for bill calls that I constantly received to my phone daily 24/7 not knowing what they were towards. And they stopped at a time so I though I took care of everything which was when I paid off a XXXX bill that my mother had in my name and never paid off when she discontinued that I did n't know anything about because I was not living with my mother at the time I begin to receive phone calls from them. I tried getting help from family member in order to avoid trouble with my mother on that certain cause. But there is a lot on my credit that I do n't recognize other than school loans and I still have another year to finish in where I can finish with school either because of my credit I 'm guessing. I do n't know how the credit thing works. And I need more education on what really has happened with my credit I do n't feel its fair on my end to have all this on me to stress that I had no cause for or knew what I was doing. And I want to fix that for a better life for myself being that I do not live with my family that I grew up with any longer. Just want peace from all of this that is so frustration about my credit that I never deserved and still do not barely understand. I was educated by a professor on ways to possibly help myself to better this situation as I did not know I could reach out to someone and not cause my family any harm. I do n't know what to do with all of this one me or even where to begin to start. I am struggling on my own as an individual and actually at a happy place that I have begin to find things out ( like this situation ) to better certain situations in my life that is causing me so much stress and frustration when I do not understand it. I pray that their is help from someone out there or who this message may concern. Look forward to hearing back as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX I went to Chase branch XXXX to re deposit a check in the amount of {$17000.00}. I did the deposit tru the teller who gave me a receipt and say check was verify and no hold was placed, so money was available for use the next day. Teller name XXXX. On Saturday, XXXX XXXX, 2015, I went to another Chase branch XXXX that I was closed by and i decided to withdraw $ XXXX, the teller was ready to release my withdrawal but it was her limit so she asked her manager for approval and the manager she started reviewing my account and make the teller to call the XXXX. They say they can not verify check and I was not given or neither serve notice of funds to be held. So I belief Chase bank to be penalized for the illegal practice and they should pay a fine to me the consumer for pain and suffering. We are ready to prepare a civil lawsuit if this matter do not resolve ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc.
State: NC

Complaint narrative:
The private loan handler of Nelnet, First Mark services repeatedly calls at all times of the day and night. There are multiple phone calls all day long. XXXX phone call is all that is needed. They can leave a message and I will retrieve it but repeated phone calls on the same day are not warranted

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
In XXXX, my home and farm was appraised for XXXX XXXX. I borrowed {$140000.00}. This was done through XXXX XXXX. It was serviced by XXXX. Was then transferred to XXXX XXXX XXXX. I never missed a payment and was never late on a payment. In XXXX, XXXX, I received a letter stating that my taxes and insurance were in default and I had 30 days to produce proof of payment. The next day I received a lettered stating that XXXX XXXX XXXX had paid the taxes and insurance and that my payment had increased from $ XXXX to $ XXXX/month. My insurance had already been paid and the taxes were not due. I called and was told that I could get a modification and that I was to stop Making payment for 60 days and this would qualify me to get a lower interest rate from XXXX, smaller payments and longer term. That the entire process would be done in house and not affect credit. I agreed to do so. In 30 days I received a late notice. When I called I was told not to worry it was taking longer to complete mods because of the huge number of requests. The following month same. In XXXX, XXXX all of my credit cards went from 2.9 % to 32.9 % interest and I found that XXXX XXXX XXXX was filing this with credit reporting agencies. In XXXX, XXXX XXXX XXXX tried to foreclose on my home. I was able to get it stopped. They denied me on XXXX modification attempts, kept my trial payments and tried to foreclose 9 times by XXXX. During this time, I had XXXX XXXX, my daughter had XXXX XXXX, my son-in-law had a XXXX, and my son had to quit school to handle XXXX XXXX XXXX since they were threatening that if we missed a call, they would make decisions without us to take my home. Finally, i filed bankruptcy so that i could try to keep my home. Since i had always paid my taxes and insurance, I went to the tax accesor and my insurance company and paid them privately. At this point, XXXX XXXX XXXX transferred the account to a company named XXXX. They would not answer any phone calls or respond to me in any way. After a few months, XXXX sold the loan to a company with Rushmore as the servicer. Now they are trying to get a release on the property for the purpose of foreclosure with a court date set for XXXX XXXX. I need a resolution to this issue. I have. Complete paper trail from XXXX and a letter from XXXX XXXX XXXX that states that this loan only defaulted for the purpose of modification. That they are sorry for any inconvenience. I 'm XXXX. I need to retire. I have fought with all I have. 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 2016-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
the bank i use for my online billpayments charged me a fee in error, i had more than enough money available at the start of the day and had more money deposited on the day of the payment on top of it, yet for some inexplicable reason they charged me a {$33.00} fee and appeared to show that the payment request i submitted had failed. i called my bank to discuss this, they told me on a recorded call that the payment had failed and i needed to submit another request for the payment, they also refunded my fee. i then submitted another payment request per their instructions, the next day my second payment request was sent and the XXXX XXXX was re-attempted. this caused another NSF fee and ultimately for XXXX of the XXXX payments to be returned from my payee ( a credit card company that then charged me a fee for the returned item, they did refund the fee but of course i had to call and spend additional time dealing with that issue all thanks to my bank giving me the wrong instructions on what to do ). In total i spent over 4 hours on the phone with my bank over this issue in XXXX. Meanwhile i moved most of my money into my local credit union account because i felt i could n't trust my online bank to not XXXX while they were adjusting my fees. now 3 weeks later they have charged me for XXXX additional {$33.00} fees and refunded XXXX of them. The XXXX fees are allegedly over a billpay item that does n't appear in the account transaction summary as scheduled, pending, delivered, anything. I finally asked them to close my account and give me my money back but they said they want money from me to cover the bogus fee ( # XXXX now, just so its clear ; XXXX bogus fees they 've assessed in less than 2 months ) before they will close my account. I always had enough $ in the account to cover the initial payment that started this whole mess, they never once explained why charged me a fee in the first place, they just waived it and told me they were sorry and i had to schedule another billpayment. From then its only gotten worse and they 've accepted less and less responsibility and made me have to jump through more and more hoops just to get them to give me back my $ that they never had a right to take int he first place. Please make them prove that my account was ever overdrawn by anything other than the fees that they charged me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
A debt collector from ( XXXX ) XXXX called me at my work phone number and cell phone number. They says that they are collecting for Bank of Omaha. 

They never attempt to send me a notice because they do not have a mailing address for me. I asked them to contact who they are working for and get the mailing address they attempt to send mail to. 

The debt collector refused to contact the bank to get a mailing address. They threaten to leave voice messages on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
There was a non authorized transaction on my credit card ( that had a XXXX balance ). The company, First National Bank of Omaha, allowed for the transaction to take place. While I disputed the charge, the company proceeded to charge me " late fees '' in excess of {$100.00}. I now have a negative outstanding item on my credit report with XXXX. I ask that this be corrected immediately. My consumer rights were violated by multiple institutions and I ask for CFPB 's assistance in making me whole. I ask that the item at XXXX be removed from my credit report immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: NY

Complaint narrative:
This complaint is related to Case number : XXXX. I would like the Loan Service Provider to evaluate my Loss Mitigation Application based on the updated 6 monthly Profit and Loss Statement. Details below. 

Dear CFPB : RE : Correct 6 month Profit and Loss Statement and Request for Incorporation of Correct Income in Evaluation of Loan Modification of Loan # XXXX ; Based on the response and the updated six monthly accounts submitted by my business accountant, I want to submit to RCS the correct updated half year 2015 Profit and Loss Statement for my business. 
The Loan Service Provider XXXX RCS XXXX decision dated XXXX/XXXX/2015 is attached. I would like to appeal RCS ' decision based on the updated half yearly 2015 Profit and Loss Statement attached. This appeal is being made within the stipulated 30 day period from RCS ' initial decision as required. 
I have sent the Updated Information and Appeal documents to RCS XXXX attached here in as PDF ) via registered mail and fax following RCS ' decision to reject my Loan Mitigation Application based solely on a preliminary and outdated Profit and Loss income amount. 
Please ensure RCS updates this information and is notified through your office that I have appealed their decision and asked them to update this information and requests them to make a decision based on the updated information. 
Thank you for your help. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Signed up for credit card deal promising a Bonus night award when you booked for XXXX nights in the XXXX XXXX program. No sooner had I received the card has the offer been pulled starting XXXX XXXX. This is blatant false advertising as nowhere did it state the program would be ending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
This attorney keeps calling me at home and at work to try to get a hold of my boyfriend. The debt is not mine and even after telling them on numerous occasions to stop contacting me they still call every day. They are putting my job in jeopardy every time they talk to the my boss. They know everything about me and they should n't.

Company response to consumer: Closed