vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I pulled my credit report and showed a tradline from Capital One. i have never applied or had an account with Capital One I have made a complaint with Capital one before advising them i was a victim of ID theft and no account should have been opened in my name. This has been addressed but yet im still having problems

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX the XXXX i had some Account fraud XXXX withdrawals of XXXX. Called Capital one they said they can help me out and most of the fraud was turned over. I would however need to get new account numbers and my account has been locked to prevent any additional fraud. I was ok with this and made sense. However it is now XXXX and I do not have access to my account I called Capital one to get a status. They said after verifying my identity over the phone that after an internal investigation my account has been locked and i can not open any more accounts with Capital One. I had to call capital one to get a status and they have not given me any way to get my money back or any way to prove i am who i am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was applied and approved for a Capital One Platinum MasterCard. I received the card in the mail to my residence of over 21 years. When I called Capital One to activate my new card, I was informed that my account was flagged for possible fraud. I was transferred to a fraud specialist who told me I needed to send them a copy of Drivers License and provided me with an email to attach the copy. He assured me that someone would call me within 5 business days after the receive my documents. After about a week, I called to follow up and was told that I needed be patient as the account was still under review. I waited an additional 2 weeks to call again. This time I was told that they needed a copy of my ID ( front and back ) and I had to submit a new copy to them. I reviewed the original email they sent and it did not specify front and back copy of my id was needed. The rep I spoke to agreed that it was n't on the email and he apologized. I went ahead and sent them a new copy of my Driver 's License front and back this time along with a copy of my passport. Again I was assured that someone would call me back in about 3 to 5 business days. After about a week I called in and of course I was told that my account was still under review and to give it a few more days. I gave it another week and this time when I called in, I was placed on hold after I explained my situation to the rep XXXX who said he was in Florida. It was then that I was told that in addition to my drivers license copy, they also needed proof of residency and that I needed to send them a copy of a utility bill. I informed XXXX that I was never asked to send in proof of residency and that the email they sent me only requested a copy of my Driver 's license and the new email was n't very clear as to them needing a front and back copy. I even took it one step further and provided a copy of my passport. It seems that no matter what I do to, it will not be enough as every time I send in what is asked of me, Capitol One will change the requirement, miss-inform me and delay the activation of my account. XXXX claim to be a supervisor and would not transfer me to anyone else who could resolve my issue. 

I see several complaints from other consumers in the last 5 years over the same issue. Iam going t talk to my attorney to see about filing a class action lawsuit against capitol one. 

I am also going to file a complaint with who ever is in charge of regulating the credit card/banking industry. This is very frustrating and has to be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a mobile CHECK DEPOSIT on Saturday, XXXX XXXX, 2015 & my bank released {$200.00} the following business day. However, the remaining funds are supposed to be available on the 5th business day which would be XXXX XXXX, 2015 and still a hold is on the funds in my account. I contacted my bank and asked them to release the hold and they said the hold will not be released until XXXX XXXX, 2015. The check I had mobile deposited actually cleared on XXXX XXXX, 2015 ... ... .it is now XXXX XXXX, 2015 and they will not release the hold until Monday, XXXX XXXX, 2015. I even asked if they could release {$200.00} for the XXXX weekend and still I received no help in resolving my issue/problem. This is the third time this has happened regarding a mobile deposit. XXXX out of XXXX I was able to get a supervisor to release the hold so I know that they are able to do this and its not like I am being dishonest here. I will attach a copy of the cleared check as well. My employer gave me a copy of the check clearing on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
I keep receiving pre-approved offers in the mail in my sons name. To protect his identity I have called the company and they said it would stop. I have called the opt out and so have they. Currently I have had to shred every week offers. This is Capital One XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX agreed to remove tradeline if I paid a large lump sum instead of via a payment plan. I paid and the tradeline was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX Law Office, located in XXXX XXXX, CA. He stated that he was attempting to collect on a judgment in the amount of XXXX. This is the amount that they reported to the credit bureau. He stated the judgment was for XXXX, however, per the court records ( I verified on XX/XX/XXXX ), the judgment was for XXXX, which included the full debt amount, punitive damages of XXXX and attorney 's fees of XXXX. He stated that they added their judgment filing fees and court costs and fees and that the last time it increased was in XX/XX/XXXX, raising the amount to XXXX I believe that he has violated the FDCPA by misrepresenting the amount of the judgment, and the amount owed, and also by sending false information to the credit bureau. 
I am deeply concerned that they will continue to add fees once the debt is negotiated and/or settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Bureau Services, Inc.
State: MT

Complaint narrative:
I received a summons regarding a debt oved from XXXX for {$7.00} and from XXXX/XXXX/XXXX for {$150.00}. I was never served with the original summons in XXXX so had no way to dispute it then. We I asked CBS for a copy of the original summons they provided XXXX & put a note with it that the original summons for XXXX was not 2 checks but 1 check and a debt. I have attached 10 pages from all of the correspondence with CBS & the court. I tried filing a few minutes ago but after I got all done there was an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Someone called my bank ( USAA ) and tried to access my wife 's account and failed. 
She was never notified of a failed attempt to access her account via phone. 
They eventually succeeded after multiple attempts and were able to change her withdrawal limit, contact phone number, and online password. My wife was only notified of the password change after the fact. 
They were then able to access XXXX accounts and empty all of them, totaling over {$4000.00}. 
I have searched USAA 's member community forum and see this happening way too frequently with USAA accounts recently. I find it very hard to believe that USAA is not notifying members of this fraudulent activity or tightening up phone security and adding extra verification due to this scam. 
We are now on day XXXX of accounts being frozen and funds not replaced. We have requested, via phone and in writing, replacement debit cards, new accounts, and the funds replaced. We have had no contact from USAA. When I called, they claim it is still being " investigated ''. 
They know what I know, because I learned it from them : They granted access to our bank accounts to a third party, who then cleaned the accounts out. The only mistake we made was trusting USAA. Yet, we still have no access to funds we need for bills and food. 
The level of ineptitude, complacency, complicity, or some combination of the XXXX, is frightening here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Advance America, Cash Advance Centers, Inc.
State: KS

Complaint narrative:
I received a call in XXXX wanting to verify my information for a loan that was attempted or done using my personal information. I said I did not apply for a loan and not to approve it. I filed a report with the local police department, contacted the credit agencies, sent a letter to the company via USPS and then again via XXXX and have not received any response to my letters.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 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: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
did not give the Mini Miranda until after attempting to collect the debt. 
The collector had confirmed my identity and proceeded to her collection script. Only after " I '' mentioned she had not given the Mini Miranda that she proceeding in reading it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I have never concerned myself really about my credit because of how young I am. But recently I concerned myself with establishing my credit in order to purchase a car. I was very shocked to see that someone used my information not once but Four times. The XXXX issues I will be addressing with the same collector. 

DIVERSIFIED CONSULTNTS # XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Placed collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1600.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$1600.00} Original Creditor : XXXX ( XXXX ) Past Due : & gt ; {$1600.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XXXX Placed for collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$100.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$83.00} Original Creditor : XXXX XXXX XXXX Past Due : & gt ; {$100.00} & lt ; I have never done business with either of these companies. 
I have already reported identity theft with IdentityTheft.gov and the Your reference number is XXXX. 

I will also submit a copy of my Taxes for XXXX to show location during said time. 
I have not had the opportunity to establish a great credit score and now it seen it will be a while before I get the chance to do so because of this identity theft situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I contacted USAA regarding a past due auto loan and advised I would like to voluntarily surrender the vehicle. USAA mailed the form to complete the repossession process. I completed the form and faxed back to USAA. I followed-up with USAA and they advised it is not cost efficient to repossess the vehicle at this time. They instructed me to write a letter of consideration to release the title for {$0.00} contribution. I faxed the letter of consideration to release title on XXXX/XXXX/16. I have called USAA multiple times and have been placed on hold for 30 minutes at a time or transferred to departments that are unable to assist me with my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Diversified Consultants, Inc., XXXX, XXXX, FL XXXX sent a debt collection letter, XXXX/XXXX/XXXX, with 30 days to dispute debt. I tried unsuccessfully three times, XXXX XXXX, XXXX, XXXX, leaving two voicemail with contact name and number for a XXXX, XXXX, XXXX, along with calling XXXX. How can a consumer dispute the validity of a debt when there is no interaction from this company. As of this writing, I sent an email and will send a letter per USPS. 

Per XXXX, t am being charged for equipment which was returned, XXXX/XXXX/XXXX, XXXX, cashier XXXX, receipt XXXX, account XXXX, serial number XXXX, model TH, charged {$90.00}. 

Billed one month in advance by XXXX, service stopped on XXXX XXXX. XXXX, owing only 5 days of service. Since XXXX billed me one month in advance for service, I do not owe, in fact XXXX double-dipped with the first two of my initial billing, owing me : XXXX, {$86.00} XXXX, {$58.00} Billing dates overlapped by four days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
I was a XXXX customer for XXXX years. I contacted them to at the latter part of a contract renewal to upgrade to XXXX. The technician came and installed used standard boxes ( XXXX ) and left the existing dish ( standard ) on the roof stating it was fine. I notified XXXX of these aforementioned events and they sent XXXX different technicians to remedy problem over the course of XXXX weeks. After reaching a new high point of anger I cancelled service and sent all equipment back. XXXX was paid to date for usage and went with XXXX. XXXX started billing me for the remainder of the contract for which they breached. After several attempts to remedy the billing issue they sold the debt to a collection agency who also was unsuccessful in their attempt to collect what I feel was not my debt. This company called XXXX times a day on my residence, business and cell phones. They chose after 3 years to post the debt. I am the victim of an unscrupulous employee of XXXX and I have to fight a battle for my innocence. I feel this is unjust and was told to contact the CFPB on this matter. I feel I have a pretty good credit rating and for this company to be allowed to post this just does not seem right. Thank you for your time on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
I was recently denied credit because DCI is reporting several accounts that are either a result of identity theft or mistaken identity. Explained that I had a XXXX wireless account years ago and it was paid in full spoke to several reps who said they could n't not help me that I had to dispute it with original creditor. They gave me the contact number and the original accounts numbers. Spoke to several reps, XXXX could n't locate the accounts and the other XXXX said that the accounts go back to XXXX not XXXX and that I had to dispute it with the collection agency. I wasted an hour trying to correct a serious mistake on my credit report and got nowhere and dealt with rude and careless individuals who was n't trying to assist me in getting this corrected. I 've suffered damages because of these accounts and I have disputed them with the credit bureaus as well but they continue to verify the debt when in fact they are not mine and neither party could validate such. They continue to shuffle me back and forth and neither company has resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC
State: TN

Complaint narrative:
I recently sold my home at XXXX XXXX, Washington MI XXXX & paid off my LoadDepot mortgage. 
I refinanced my home with LoanDepot in XX/XX/XXXX. I contacted LoanDepot in the summer of XX/XX/XXXX when I received notice from HUD that during my refinance, their title company FNTitle, missed a lien on my property for {$37000.00} filed in XX/XX/XXXX when I went through a modification. HUD demanded payment in full. XXXX advised this lien was forgiven when I contacted then for a payoff to refinance. XXXX advised since I had made my payments on time for a minimum of XXXX years, HUD had forgiven the portion set aside. The HUD representative I dealt with, advised XXXX had been telling everyone the same thing. XXXX did not disclose the lien on LoanDepot 's closing statement. Both these actions made me believe I did not owe this money. I sold my home in XX/XX/XXXX, and was also surprised that XXXX company missed XXXX {$15000.00} lien filed in XX/XX/XXXX by my ex husband, XXXX XXXX My ex had told me he wrote this debt off but obviously did not as I had to pay THAT LIEN as well when I closed on my sale of my XXXX home. Had either of these liens been disclosed or acknowledged by me, on the closing statement, I would not have completed any refinance on my home with LoanDepot or any other company. Needless to say, I would not have QUALIFIED for any refinance had these debts beed discovered and/or disclosed. I paid LoanDepot, {$7300.00} to refinance my home for which I did not qualify. This amount included {$860.00} for a title search to their title company for which I was not named as an insured! I also paid an attorney {$970.00} to try and fight the HUD debt which also failed. 
At this time, I am requesting a full refund of my closing costs as LoanDepot did not disclose these liens and did not disclose or process a full title search, I paid for. I believe LoanDepot did this intentionally to collect {$7300.00} in funds for refinancing. A title company missing one lien on a property might be a mistake, however unacceptable. When they miss XXXX liens on a property, I believe I have been a victim of fraud. I contacted LoanDepot on XX/XX/XXXX to request a refund of my closing costs and gave them until XX/XX/XXXX to reply. To date I have only received an acknowledgment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have been receiving repeated calls, XXXX to XXXX times daily for about two months from a number out of the US. The caller never leaves a message. I will not answer any calls that I do not know. This company comes up on the caller id as area code XXXX.USAA

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 2017-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
The company continues to repeatedly call and harass me during working hours even after I have asked them to stop. I get calls from them when I am in important meetings and it is putting my job in jeopardy.

Company response to consumer: Closed with explanation