vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I received a low APR credit card balance transfer offer from XXXX. 
On XX/XX/2017 I initiated a balance transfer from a USAA credit card to a XXXX credit card in the amount of {$3000.00}. I was told that transfers could take from 10-14 business days. 
{$3000.00} was debited to my XXXX credit card on XX/XX/2017. USAA did not credit my credit card until XX/XX/2017. 
On XX/XX/2017, I initiated a second balance transfer from the same USAA credit card to the same XXXX credit card in the same amount of {$3000.00}. On XX/XX/2017, I received correspondence from XXXX advising that they were unble to process my transfer request because " XXXX XXXX XXXX ''. 
I contacted XXXX XXXX : what additional information was needed and XXXX advised me that USAA had denied my second request because USAA " thought it was a duplicate ''. USAA never contacted me to inquire or advise me of their denial. 
I contacted USAA and got a run around explanation. 
On XX/XX/2017 I re-initiated my XX/XX/2017 {$3000.00} balance transfer request from USAA to XXXX. USAA credited this second request on XX/XX/2017. 
On XX/XX/2017 I initiated a third balance transfer request in the amount of {$1000.00} from the same USAA credit card to the same XXXX credit card. 
As of today, XX/XX/2017, I see no posting that USAA has credited my account for the {$1000.00} transfer. 
Since USAA has a state of the art reputation for electronic transactions, I questioned XXXX why there was such a delay between their almost instant debiting of my balance transfer and USAA 's prolonged crediting of the transfer. I was told that USAA required a paper check for payment - they would not execute an electronic funds transaction for balance transfers. 
Since both XXXX and USAA are known for the their worldwide and frequently on-the-move membership community, online and electronic banking are strong points for both. 
If in fact, USAA requires a paper check for balance transfer transactions, it means that I am paying overlapping interest rates - one immediately to XXXX when it debits my account as a balance transfer is treated as an Advance and another to USAA during the delay in their posting a credit to my account. 
USAA has never delayed any of my other electronic payments - they are posted almost immediately. 
It is my belief that USAA is requiring paper checks in order to delay their credit postings in order to collect additional interest income monies. 
I am especially concerned that USAA took it upon themselves to deny a balance transfer payment " assuming ... '' that it was a duplicate without making any effort to contact me, their long time member, to verify my transaction intentions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I recently purchased a residence and was making half-payments every other week. My mortgage was transferred to LoanDepot at which point I was never informed of their practice to not accept biweekly payments. After two months ( XXXX ) I began to receive letters in the mail advising I was severely delinquent, while I received only one check returned in the amount of a biweekly payment. After speaking with a representative to make corrections, I was informed by this representative on XXXX XXXX that my account was current and up to date and " I was fine from here ''. There were also deductions from my checking account in the amount of the payments requested to correlate with this information. However ... on XX/XX/XXXX I received another letter in the mail stating I was again two months behind payments in the amount of {$3200.00}. It is clear LoanDepot misrepresents information by not properly disclosing a change to acceptable payment amounts, and utilizes confusing tactics by mailing six statements within a one month period ... each with a different amount due. 

I have a recorded message from the representative, and copies of all bills and receipts upon inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am attempting to refinance a mortgage with USAA. The company is holding up the loan at this point because there was a dispute on my credit report - not an " open '' dispute, a resolved dispute. Their last email said " XXXX XXXX is showing the disagreement code with a resolution of dispute on your credit. This is what underwriting needs removed. '' XXXX XXXX on their part sent the disagreement code, which I am fine with, and resolving the dispute. 
What I am understanding from USAA is that they want that to be undone, which XXXX XXXX can not do. 
A day later, after I inquired as to why such a holdup, about a credit card account with XXXX balance, and whether the issue is risk or something else, I received a response stating " Our underwriters do not manually underwrite files. '' At this point, I am at a dead-end. XXXX XXXX did their part and sent a resolution code, but I suppose USAA still can not accept that as an answer. The only option is to go back in time .... ( I will not continue this sentence - they are not giving me a resolution. ) I feel that USAA should be able to manually underwrite my loan. 
Now, I started the process XX/XX/XXXX, and even though USAA apologized for the delays, they have been pushing the closing date since XX/XX/XXXX. At this point, I do not think I will be able to close because I am deploying in about 8 days to the XXXX XXXX. The current interest rate on the house is high and I have wanted to rectify this issue for a while.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
To whom it may concern my name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX mailing address : XXXX XXXX XXXX XXXX, LA XXXX SSN XXXX last year i 'd opened Capital One credit card with {$300.00} credit line, i 've have n't got the bill statement in XXXX3 months, then my house got flood in XXXX 2016, a month later they contact me and told me that i was late XXXX my bill, i 'd told them that i 'd never got the bill statement from them, how could i make a payment, they told me just pay over the phone, i said i had to see the paper statement what they charge on the bill is correct or not, finally they sent me the bill statement with the amount more than {$300.00}, after fighting with them about something wrong in the statement, i had to pay them off, and closed my account. 
lately i found out that they report to the credit report bureau that i was late on my payment. That 's absolutely not right, they 'd played game on me, how did i ruins my credit score with just a credit line {$300.00}? i tried to contact them to dispute this issue, they said they did n't know about this. 
i would like you to help me to clear this problem, my house was flood, i am still homeless now, we 've had enough suffer, could n't stand anymore like this Thank you so much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX, XXXX I found out that Capital One bank put hold on all checking account I had. I immediately contacted bank via secured chat because I can not reach anyone over the phone. My depost {$240.00} showing totally unavailable which make me extremely upset due to terrible banking experience with this bank before. I had made several complaints against this bank due to stole funds against my will on XXXX XXXX, XXXX for total {$80000.00} plus all lost interest earning for 2.5 years total {$8000.00} and travel expense to branch 7 times to collect stolen funds. This bank never change its stolen nature. I as consumer has great concern regarding the safety of my deposit. Most recently I sent two messages to this bank to ask my stolen funds, but I can not get any assistance. On XXXX XXXX, XXXX I notified this bank to return all my deposit plus stolen funds in XXXX XXXX, so I can close my accounts to end this terrible banking experience with Capital One. However I was directed to call Fraud Dept. I indicated to bank rep that my deposit had no fraud, and I do not want to continue my deposit simply because the prior terrible experience in XXXX XXXX as reported several times to CFPB for immediate assistance. Now 2.5 years passed, I can not release my pain, suffering to lose my savings to a theft XXXX XXXX who I do NOT authorized at all. I once again to ask all my deposit back plus stolen funds in XXXX XXXX, so I can discontinue my terrible banking experience with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
There is no reporting for XXXX, XXXX and XXXX for my Capitol One card ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received an email from my employer on XXXX/XXXX/XXXX advising I had a garnishment processed on my paycheck. 

Was given phone # XXXX to call XXXX and reference case # : XXXX. 

When I called a XXXX answered the phone and denied any request to not be recorded. Advised my mother was served my summon on XXXX/XXXX/XXXX, I advised I am not my mother. Then I was told I called in on XXXX/XXXX/XXXX but I did not. 

I asked for ownership of the debt to be mailed to me and stated I feel that my rights were violated because I do not understand how I can be garnished when I never had the chance to dispute said debt. 

When I asked what documents would be mailed to me, rep XXXX and Supervisor XXXX XXXX informed me they do not know and were not required to know what I am suppose to receive and would not provide me with the name of the regulatory agency I should follow up with if I feel that my rights were violated. 

If this debt is valid I want to make good on the debt and I want to keep misinformation from hitting my credit report. At this time I feel powerless because they already have garnishment withholding order in to my employer. 

I advised that if I do not receive the documents I will be at their office to request paperwork in person. 

They said they had me on recording acknowledging the debt but refused to provide any copy of the recording or to play the recording on the phone. 

Please help me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I logged into my account today to find a {$29.00} membership fee charged to my Capital One Secured MasterCard. Let me start by saying it is not the amount that is the issue, but the fact that this charge was never disclosed to me. I spoke with XXXX representatives from Capital One via online chat. Both individuals told me there was no option to waive the fee. I provided several links to the specific credit cards terms and conditions, XXXX of which highlighted XXXX of the perks of the card as " {$0.00} annual fees. '' After an hour of disputing, they still refused to remove this charge and I feel deceived, taken advantage of and inconvenienced. As a young military spouse I will be paying off my account and switching to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have tried to use the online cash back redemption on my Capital One card for several months. I have emailed the error messages I have received, on multiple occasions, to Capital One yet they continue to ignore the issue asking ME to call their IT department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX turned my account over to this company for an error that was clearly XXXX when I tried to get them paid. They do n't know how to work their systems and now are attempting to collect a debt not owed to them. This collection agency did n't verify the validity of the debt prior to sending me a threatening notice to sue me and report to the credit bureaus if I did n't provide them with proof. I owe them nothing! XXXX should 've waited for a response to their last letter to me prior to turning my account over to collections. When I tried to get them to make sure the payment was made and to rectify the issues I was having with their systems and CS people, they did n't move this fast nor did they care. Now they think I owe them something I do n't so they 're aggressively trying to collect on a debt that is not owed by me to them. They had amply opportunity to take care of the debt when I asked them repeatedly to credit the rental policy refund to the auto policy balance due. They assured me it would take place yet sent me a check anyway. Because they screwed up I cashed the check because I refused to go through the hassled of turning that check around to them especially since I 'd repeatedly asked them to make sure I did n't get a refund! So if this collection agency wants to come after me I 'll happily sue them right along with XXXX! If they report anything on my credit I will sue both companies as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I lost my job in XXXX of this year. I was able to make payments on my credit card in XXXX and XXXX. In XXXX, my unemployment ran out. I called Capital One and advised them of the situation. I made my XXXX payment, but missed my payment for XXXX. I called Capital One again. They agreed to put me on a repayment plan, which includes no late payment fees, no over the credit limit fees, and allows me time to pay off the card. They had previously charged me XXXX late payment fees and XXXX over the limit fee ... .each XXXX being {$35.00}. They claimed at the time that my minimum payment was {$150.00}. This took my balance down below my credit limit, to {$480.00}. ( Credit limit is {$500.00} ) After removing the XXXX fees ( which totaled {$100.00} ) that *should* have made my minimum payment for XXXX {$45.00}. Nope ... .it 's still {$150.00}. Capital One continues to call me, insisting that taking those payments off my account did NOT affect my minimum payment, and that I *now* owe {$150.00} on a {$480.00} balance. That 's a THIRD of the outstanding balance. I 've advised them that they need to fix my account, since my payment is messed up. They refuse to do so. I 'm almost to the point of telling them where they can put their XXXX card!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have XXXX capital one hard hit inquiries on my XXXX Credit Report. I do n't allecall recall applying for credit from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This creditor will not update my PAID collection with XXXX, despite my numerous attempts to contact them. They absolutely refuse to update XXXX or to give me the time of day now that I 've paid it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Was recently informed, following a credit check using XXXX, that I was listed as deceased. I requested a free copy of my credit report from XXXX and discovered that Cap One incorrrectly identified an old ( unused ) account as '' consumer reported as deceased. '' Approximately two weeks ago, I contacted Cap One to make them aware of this error. 

Today, I received a letter dated XXXX XXXX, 2016 from Capital One stating that they AGAIN WRONGLY updated the account as " deceased, '' and that they notified the other credit reporting agencies of the same information. I immediately called them, once again, to notify them of this error. I am angered that this error and, more importantly, its delay in resolution negatively impacts my credit history and ability to obtain new credit or even basic services without paying prohibitive fees! This is unacceptable customer service and an unacceptable delay in correcting something as obvious as my status among the living!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
we were charged a {$19.00} annual fee for a credit card that we no longer owned or used. We never got any statements and now we have XXXX thirty day lates on our credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am having an issue with a XXXX membership cancellation. I signed up for a XXXX on XXXX and informed them that I will be moving and canceling my membership on XXXX, agreeing to pay for the XXXX sessions on the XXXX date. In the contract it requires a cancelation 30 days prior which was made on XXXX. I was then charged for an additional XXXX ( {$410.00} ) even though I informed XXXX members of my move and cancelation. I have since been charged for XXXX on XXXX and was told they will charge me again for the XXXX session. Totaling {$830.00}. I now have been charged an additional {$63.00}, {$67.00}, and {$78.00} on XXXX. XXXX knew about my cancellation yet somehow decided it will be alright to charge 2 extra month XXXX ( technically 3 ) and I was told that it was my fault and that I should lawyer up. I have a screenshot of my conversation with my trainer agreeing that he spoke with his manager about canceling my membership yet I have been charged anyways. I will dispute this with the bank as well but this needs to be resolved and should not happen to other members.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I sent a request for validation that XXXX signed for on XXXX XXXX 2015. The USPS tracking number to prove this is XXXX XXXX XXXX XXXX XXXX. They never validated the debt within the time frame legally allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had called Capital One 360 about my savings account and they told me I had been approved for a checking account, which I wanted. I was told I had to go online into my account to finalize the approval and then was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Please stop trying to collect a debt that was charged off and I received a XXXX and charge off from capital one many years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015, XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i disputed a charge, was given credit but then t was rebilled even thought i never rec 'd the item. spoke with a number of agents & dispute supr. at Capt I. they informed this happens all the time, i 'm in the process of writing a detail account of problem even so they have recorded my disputes.\ phone calls i was also told i would be rebilled for XXXX item of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Bank has been charging {$35.00} NSF fees excessively even after we requested they deny payments. We have spoken numerous times with account managers and supervisors in trying to resolve the issue and stop these charges from occurring. Their business practice is unethical and they manipulate the transactions in order to allow the account to go negative and incur further charges through the month. The conversations I have had with account managers have led to many changes in the account, all to the benefit of the bank and further charges to the account. The total number of {$35.00} fees to date has been almost {$2000.00} as you can see in the statement and Capital One " account specialists '' continue to create an unfair advantage over our very small business causing further fees.

Company response to consumer: Closed with explanation