vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
I have a checking and other accounts with USAA Bank ; much to my surprise and dismay, on Monday, XXXX XXXX, when I logged on to their internet site, I could view my daughter and her husband 's checking account information. Not only could I view their financial information but I could also perform transactions. This breach of security is disappointing in an institution which I had previously trusted. I have attempted to resolve this problem with USAA but have not received a satisfactory explanation or apology.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE BANK USAACCOUNT NUMBERs : XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXPHONE : XXXX FAX NUMBER : XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CAPITAL ONE BANK USA or any company associate with this account # XXXX, **************** and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SS # XXXX DOB XXXX XXXXADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capitol One 360 keeps changing what I owe on my loan and they also changed my mailing address on there website. They changed it to a P.O. box I know longer use and I never even told them I had it. It shows on my credit report that I have on and thats it. Im still at the same address as the one from when I purchased the vehicle so its a little scary that my address just changes like that. The credit bureaus are reporting a different amount than I owe and Im getting notices that my car loan increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
I received a loan of {$400.00} from Advance America. I am a XXXX person and had a hardship and could not pay the loan myself. I had XXXX pay the loan. On XX/XX/2016 a Settlement Agreement was reached with Advance America / XXXX for {$250.00}. Yet I continue to be contacted by XXXX of XXXX claiming that I owe over {$300.00}. I have stated to XXXX that this debt has been paid in full. I have offered to present her with the documentation but she refuse to accept any documentation. She asked for an account number, I obtained the documents and account number but she again refused because she said the amount was inaccurate. I have requested that she send me some validation of debt but she refuses and instead threatens to take to court for the amount, which I do not owe, and have me pay court costs also.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In XXXX of 2015 I opened a credit card account with USAA because my Dad is a XXXX XXXX and I thought it would be a could company. My credit is good but a few bumbs but good enough to get loans. I was approved a {$4000.00} limit. A month or so later I opened another card with them that had a better interest rate it was also {$4000.00} limit. Both cards we almost maxed out but I had had many purchases being bought and returned. So it was always changing. I have worked very hard to keep my credit good and keep it get getting better. I made XXXX payment with them and then after I applied for an auto loan with them and was approved. Bought the car and was told that they suspected fraud and declined my loan after already giving me a blank check. XXXX. Who does that. I was approved through the dealer instead with no problem. I called USAA and they said all my cards were closed but would not tell me why. I said permanently? They said yes. They said it was because they were new and that they were almost maxed. I said isnt that the point ti use them? I have not been late with a credit card for over XXXX years. My problem is that they should not approve credit and expect you not to use it. They should not close your cards with out telling you why. They should not be able to affect your credit report when you have never been late or abused any cards in the past XXXX years. I have work very very hard improving my credit. This is not fair when I have not done anything wrong. They can keep their cards I could care less. I am paying them off asap. But I dont think they should XXXX my report with a status of closed when I did nothing to break the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Consumer Loan — Title loan
Issue: Received a loan I didn't apply for — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I have had some difficulty financially since XX/XX/XXXX I have XXXX children and sometimes it was hard to make ends meet so I took out a Title loan from 1800 Loan Mart /Wheels Financial Group based out in XXXX calif I must have rolled over about XXXX loans in the past years i had received a loan back in XXXX XXXX for {$500.00} so that was rolling over a previous loan so that was back in XXXX XXXX then in XXXX XXXX I took out another {$500.00} that made another rollover loan # XXXX now after this last loan I never took out anymore on or about XXXX XXXX I received this phone call from 1800 Loan mart and said do n't make your payment for XXXX XXXX just make it in XXXX XXXX now this is still on the loan number XXXX and now they said your loan number is going to change when you make that new payment in Jnuary use XXXX that 's the new loan number so I 'm paying now ive come to the end of XXXX payment after 48 months never getting anymore loans I thought wow I did it but no 1800 loanmart said wait XXXX XXXX you signed for a third loan that loan number is XXXX but I told them you called me in XX/XX/XXXX and said the loan number changed from XXXX to XXXX they said no this is a third loan for XX/XX/XXXX no way I said I did not sign for this I have been trying to get to the bottom of this they sent me copies of a contract that to my knowledge has been altered to make it look like I signed it so I believe 1800Lloan Mart did an illegal roll over loan on me they wont let me fly up and look at the original keep giving me different stories they know what they did I can have anyone subena my telephone records for XX/XX/XXXX they called I 'm absoulutely XXXX they did and said that loan number changed I have had a great relationship with these people and help me out a lot but that does not give them the right to do an illegal loan roll over when that loan is matured for XXXX I 'm in a better place in my life and these people took advantage of me and thought I would not notice because I had rolled loans over but they made a bad choice I have given them several chances to come clean they want to stick to their story but phone records do n't lie original copies of contracts do n't lie but defrauding customers plus a loyal customer is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have an account with Capital One and fell behind with my card when my spouse was unemployed and we then went through a separation in our marriage. I contacted the vendor to try and see what arrangements I could make to get the account in good standards and was told there was nothing that could be done but pay the full amount then they would possibly review it to see if they would let me continue the open line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I applied a payment of {$5000.00} dollars to my Capitail One XXXX card and thet did not apply it to the highest apr.. I called them and they told me they did not have to. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2017 a fraudulent charge was made on my card with Kohl 's for XXXX. After numerous attempts to contact the fraud department to report the charge there is still a remaining balance of {$74.00}, even after returning all the boxes back to the Kohl 's store that were shipped to my home address. There were approximately 11 large boxes of XXXX ordered fraudulently. I 've requested to close my account yet the account still shows a balance. I have not received anything but the runaround from the Kohl 's representatives and need assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Since XXXX 2014 have notified Capital One Bank about an account that is listed on my credit report that I did not authorize, nor have knowledge about. last correspondence was sent in XXXX of this year certified and received by XXXX. Capital One again did n't respond even though received proof of receipt. Have sent several correspondences certified, and all have been ignored. They have not removed this account from my credit report, nor have marked it as disputed. This is my SECOND complaint have filed with your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i have unauthorized charges to my account. i contact capital one bank with issue i then got a processor contacting me ext XXXX XXXX antiqua from capital one. she indicated she could n't help me in my claim because of the type of dispute but yet contact contact to go over the account and want to go over the transaction. the company. now the company block my account and any way of defending myself. she was rude and nasty and destroyed my case with her incompetency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Brelvis Consulting, LLC
State: VA

Complaint narrative:
my fiance enrolled in this program being told that it would help him, all that. we attempted to cancel the service before the service they " offer '' was ever even rendered. we were told twice that his " contract '' does not allow him to cancel the service. i called one of the offices and they said it would be fine just call the other office, the woman i got was not helpful at all. without actually having the proper paperwork completed, they proceeded to work on my fiance 's behalf. we asked for a manager more than ten times all the while being told that we can not in fact speak to one and that she would be the one who would answer my questions. she then proceeded to explain to me that cancelling was not in their policy and that they could not because it was in the " contract ''. when i asked her to read to me where it said i could not cancel, she stated the refund policy. we do not want to be refunded, we just want the cancel from there forward. the contract states multiple times that this would be in effect until cancelled by me or the servicer. but she kept telling us that we could not cancel the service because it was being rendered anyways, even with us trying to cancel two times before hand. she even proceeded to mock me while on the phone with the tone of her voice and told me at one point when i asked another question, she said, " no, i asked you first '' like a child. this is the most unprofessional group and the biggest scam i have ever dealt with in my life. when i told her i would contact the bbb she hung up on me and told me not to call back. i have the entire thing on recording. she fought with us and told us that we were obligated until XXXX. DO NOT USE THIS COMPANY IT IS A SCAM. also, around page four of the " contract '' it is stated that the term of this agreement was in effect until four different outcomes have happened. one of the outcomes was that the client did not give all of the proper paperwork, which we did not submit due to the fact that we tried to cancel twice before, therefore, because of the contract, and us not " properly completing '' the paperwork, this service should be cancelled anyway. they have also stated that they have no record of us calling before to have the service cancelled, which is convenient. this service is something that our servicer for our loans has explained is a service that is free that we can do our selves and to charge {$990.00} to do something we tried to cancel before hand, is outrageous. and the way that woman spoke to us and then hung up. i am a little more than really outraged.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-10 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had a capitalOne XXXX credit card since XX/XX/XXXX. I provided this information to XXXX of the vendors ( XXXX 's XXXX XXXX XXXX ) for autopay. There financial services is XXXX XXXX XXXX based in MA. During the month of XX/XX/XXXX - I asked that XXXX XXXX XXXX company that my kid wo n't be coming since XXXX week of XX/XX/XXXX so stop charging my card. I was going out of country for more than a month vacation. The merchant also agreed and I had all the email communications with them. Later merchant charged my card - i found it and asked CapitalOne to block this merchant and their transactions going forward during XXXX - via chat and secure message center. And also opened the dispute with CapitalOne. But Capital One could n't block that merchant ... transactions keep on happening even after that. Finally i closed the account also ... CapitalOne was provided all the possible documents to investigate this issue ... did a lot of follow up with CapitalOne and come to know that dispute will be in my favor ... Later merchant refunded some amount also. I had XXXX item that i had purchased from XXXX which i refunded using this credit card. XXXX refunded this amount into my closed credit card. I reached CapitalOne to refund that money to me via check ... they agreed but they refunded another {$100.00} to the merchant once again??? - i do n't know why they did that ... later i need to keep on following up with CapitalOne ... on XX/XX/XXXX - myself, CapitalOne and merchant had a XXXX hour call ... merchant agreed to pay the money after getting the statements from me. CapitalOne make the merchant understand everything ... send me the statements ... i sent the statements to the merchant also ... they were suppose to refund back my {$100.00} which capitalone gave on XX/XX/XXXX ... But now merchant is not ready to refund back as they are saying that they dont owe me anything ... CapitalOne 's billing statement and overall dispute process is so complicated that it 's very hard to understand what 's going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One Credit is reporting a balance that was XXXX in a chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I co-signed my son 's car loan ; a few months later, I received a call stating that my son was more than a month late on his payment. I requested at that time to start automatic deductions from my bank account ; I made the payment which was behind, and I provided all my contact information including cell phone, email address, and mailing address. I requested to be notified if anything happened with this account, and setup the automatic deductions immediately. I also included this car on my XXXX policy. About a year ago, I told my son to go ahead and get an insurance policy on his own since I was paying too much between his car payments, my car payment, and both insurance coverages. I confirmed with him that he has done so, and I continued paying for the loan. I monitored the account to make sure that payments were being deducted monthly, and when I changed banks, on XX/XX/2016, I noticed that the automatic deduction was not honored, I called and make a manual payment. I called Capital One ( the financial institution ) to apologize and explain to them that my bank, XXXX takes awhile to start the automatic deductions. On XX/XX/2016, my son had a car accident ; then, I found out that the car did n't have any collision coverage. Capital One was supposed to check to make sure that the car had the appropriate coverage ; they had my information and my son 's information so they could have called us to let us know to purchase the appropriate coverage. They are supposed to have a dedicated department to check for insurance and take the necessary precautions to preserve their own interests. However, they acted carelessly and when I called to ask them what can be done, their answer was, " well now you have to pay several years for a car you ca n't drive ''. It seems to me that they do n't care because they feel that it 's going to be the consumer 's problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
My issue is that I was sold a car, which has given me nothing but problems, my car finally died 2 weeks ago, I have already paid CNAC more then {$15000.00} for a XXXX saturn ion, which nearly killed me when it automatically shut down in the middle of an intersection. I have requested to have a settlement with this company, I currently owe {$2300.00}, I asked if I can pleae settle at {$1200.00}, they will not I have a lay by the name of XXXX calling an harassing me twice a day, I have already sent them a cease and desease until they can offer me a settlement. I was pressured into obtaining the car when I purchase it, nothing was really ever explain to me, not even the high interest.

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: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
For a number of years I have had a Capital One credit card XXXX hereinafter XXXX ). For some time I have had various businesses ( XXXX XXXX XXXX, XXXX XXXX, etc. ) automatically charge XXXX for reoccurring monthly fees. This has worked fine till now. 
The way it works is I sign onto a businesses web site and enroll in / update my automatic payment information XXXX hereinafter AutoPay XXXX. After a period of time XXXX several business days ) the change percolates through the business system and everything is in sync. 

My current problem is that XXXX decided without informing me to issue a new card with chip technology and invalidate my old card. Although I have updated the AutoPay information there is a likelihood that a business will attempt to charge the old CARD info because of the delay in synchronizing all of their systems. I have chatted with XXXX and XXXX from XXXX and they ca n't provide a solution. 

With the prevalence of e-Billing and e-Payments / AutoPay methods I feel that it is incumbent upon XXXX to have a method of processing AutoPay events that are referencing the old card information while the individual notifies business of the card information changing and the business processes the change in information. And although I am involved with Capital One the need applies to _all_ credit card issuers. 

Therefore I am requesting that your agency contact Capital One regarding this problem and consider promulgating regulation XXXX XXXX ) to implement this.

Company response to consumer: Closed with explanation