vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA my credit card issuer put a hold on my travel reward points because I exceeded my credit limit on my card. I pay my credit card in full every month- I do not carry a credit balance month to month. My payment was not late. I made a wire transfer to clear some of the balance but it has not hit their account so the hold is now going on day two. How do they have the right to seize reward points I have already earned? I pay my balance in full every month and reward points are earned on the prior months balance. From a financial viewpoint I have earned the points but from a practical standpoint USAA has seized my assets ( reward points ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 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: Linebarger Goggan Blair & Sampson LLP
State: MD

Complaint narrative:
We received a bill from XXXX XXXX XXXX some time ago ( see attached ) in the amount of {$47.00}, we immediately contacted the county and spoke with a person named XXXX, she gave me some information about the nature of the ticket, we told her that we never received a parking ticket or a ticket was ever placed in the windshield of our car, she also said that the parking violation occurred at the XXXX airport, I informed her that we did not park at the XXXX Airport as she stated, she looked up the car information and told me that the maker of our car was a Dodge Caravan, We told her that we do n't drive a Dodge Caravan. The XXXX employee told me that it was a mistake, that they were going to take care of the error and they were going to investigate. We did not hear back from that office until we received your letter collecting the debt with additional 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 2016-01-07 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: FL

Complaint narrative:
Diversified Consultants out of XXXX has called me repeatedly on a 6 year old debt at least XXXX a day after I have asked multiple times to not contact me on my cell as it is used for work. I have asked repeatedly for them to correspond with me through mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I have a USAA checking account. I recently made some bill payments which caused my account to be overdrawn but the overdraft should have been covered by my linked USAA credit card. At the time the payments were presented, there was a {$22000.00} CREDIT balance in my credit card account, i.e., USAA owed ME {$22000.00} in addition to the {$9000.00} credit limit available on the credit card account. Despite this, XXXX payments were returned and I was charged returned payment fees totaling over {$100.00} by both USAA and the recipient of the payments.

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 2016-07-08 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: WI

Complaint narrative:
When applying for a loan with my credit union this XXXX, I discovered there was a collection listed with Diversified Consultants , Inc . I looked into the matter further, and it was in reference to an account that I had with XXXX. They were trying to charge me, after 2month of bad reception in my area, for not returning a phone to them. But I never received a phone from them. I bought my unlocked phone XXXX XXXX XXXX, on XXXX and ordered a sim card from the carrier. I explained this to the lady over the phone. She said that whether the charge was valid or not, if I did n't pay it that it would damage my credit. So I paid it in order to have it not harm my credit. I just had my credit checked again last week and I found out it is still damaging my credit. I tried calling them, and they said since I had paid them already it was a valid charge and I no longer have the option to dispute it. They never told me that I could dispute it when I called them in XXXX. They just wanted to make a profit. I asked them for them to provide my information showing that the debt was valid in the first place so I could go about disputing it directly with the credit bureau. They said that XXXX has this information, not them. So I called XXXX and they said they no longer have that information, but Diversified does. I called them back, and they told me the same thing. I feel like this company gave me false information, they are giving me the run-around and now I am paying the price for it by having damaged credit which is preventing me from getting a good interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Like many USAA members, last fall I received an email offering a {$200.00} statement credit if I would open a new USAA MasterCard account before XXXX XXXX, 2015 and make XXXX purchases by XXXX XXXX, XXXX. My credit rating is well over XXXX, and I get lots of credit offers, which I usually ignore. This XXXX got my attention since it was a decent bonus, and was sponsored by, and came from, USAA. While I certainly did n't need another card, I took the bait and applied. I met ALL of the requirements in a timely manner, but after many months my {$200.00} credit never showed up. 

After XXXX unproductive, yet lengthy, phone calls to USAA, I finally received a call today explaining that the card I applied for ( by clicking on the button in the email!! ) was not the 'correct ' card to get the promo credit. Apparently I was issued a " Cash Back '' card, not a " Reward Points '' credit card. 

I have printouts of the offer email, and the fine print, and the screens used to apply for the card. I have supplied these to USAA via email. The card I have in my hand looks just like the XXXX in the offer email. If I did not apply for the 'correct ' card, it is because USAA 's online system took me to the wrong place to apply. 

There is no dispute at all by USAA that I met all of the requirements to 'earn ' the {$200.00} credit ... .simply that I was n't issued the 'correct card. ' This is USAA 's mistake, not mine .... 
The young man on the phone today played the 'there is no one else to escalate your issue to ' game when I told him his 'final resolution ' was ridiculous. That in and of itself is completely unacceptable and well beneath the dignity of the USAA organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 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: FL

Complaint narrative:
I have disputed Diversified Consultantso several times asking for them to validate the debt. To date I never received any communication from the collection agency. I am requesting to remove all collection accounts from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Hacked my bank ( USAA ) and had a credit card sent to the XXXX. The email of this person was XXXXXXXXXXXX, I know this because he changed my primary email to his.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CENDERA FUNDING, INC.
State: TX

Complaint narrative:
We were asked on Friday, XX/XX/2016 at XXXX pm to provide payoff amounts for XXXX creditors our lender wanted paid off at our closing. We were successful in getting all but XXXX of the payoff amounts by Monday, XX/XX/XXXX and the last XXXX came in by the close of business that same day. Tuesday, we went to sign the " Closing Disclosure '' and noticed the figures were incorrect by nearly {$4800.00} over the amount owed. When we asked for the figures to be corrected based on the payoff amounts we submitted, we were told by XXXX, our load would be cancelled if we insisted on the amounts being corrected. 
In addition to that incident, the agency for our homeowners insurance policy was selected by XXXX, not according to the choice we submitted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I have an auto loan with USAA and I chose auto pay and the payments began to default. I was unaware of this. USAA sid they sent out mail but I never received it as i have not been home. I have n't received ANY phone calls. Not one. I was notified by XXXX that my car payment went up and my credit report went down XXXX points. USAA claim to work in the XXXX favor. How is this working in my favor or best interest. My credit is being ruined by the very people that exist because I do. I was charged XXXX dollar late fees and my XXXX credit score ruined. When i called I spoke with 6 different departments in 2 days ( transfered ) and no one was willing to help. That is why I asked for a supervisor. No one is willing to remove the derogatory information reported on my credit report. Again no one tried to call me. Where does the Sailor Soldiers Relief Act come in to play? They do n't k ow if i was deployed or not. They did n't even try to find out either. They did the same thing when they denied my VA loan stating that i did n't fit criteria because i was n't going to occupy the residence within 60 days BUT for and active duty member it 's occupy within 6 months. Well my credit report was effected then too. I missed the house and my credit took a hit because they denied the loan and chose not to listen or research the information they were giving out. When i called and corrected them i received an apology and was told to reapply. The damage was already done. This is negligence and no consideration at all. Hassle free has been nothing but a hassle the past 365 days. Losing trust bad. They to nothing and do n't try and assist after the mistake was pointed out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: CA

Complaint narrative:
I transferred XXXX in cash from Walmart to wallmart. 
when I found out this was fraud I put a stop on the money and they gave me a refenece #, when I went to get my money they said no that the funds were transferred. I need help asap please call me its an emergency

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: PROVIDENT FUNDING ASSOCIATES
State: MA

Complaint narrative:
{$110.00} late fee assessed on my mortgage payment. After 7 years without a missed/late payment, this company would not offer me a one-time courtesy after this perfect payment record. I spoke to " XXXX XXXX '' a customer service manager who was arrogant. Then I spoke to " XXXX XXXX '' in the corporate office who refused to give me the president 's phone number. ( His name is XXXX XXXX ). I wanted to speak with him directly, but was not allowed. Their stonewalling and indifference were very unprofessional. Can you 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 2015-10-31 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My Name is XXXX XXXX and I need to file a complaint against my recent experience with capitalone credit card. I have been using my capital one credit card since 2011 and this is actually my first ever card ending with XXXX ( Master Card ) 3 days ago I logged into my account and see there was a " Restriction notice " on my account meaning that I am unable to use my account due to unknown reason. and the message says ( This account is currently restricted. ( Ref. No. XXXX ). upon calling their representative I was told to send my proof of identity that I am the right card holder. they ask me to send my copy of social security and driving license via fax/email. I spoke with their on duty supervisor and expressed my concerns that I am not comfortable sending my secure information over email or fax to anyone. she said the other way is if you bring all original documents to visit one or our branch and let their branch representative call at XXXX so that we can activate your account. I found that way reasonable though bank is still 30min drive from my house. today I went to their nearest branch in XXXX, XXXX and the lady had called at the given number but their card representative said I still need to send these copies via email/fax to them and they can not verify my identity and my wife 's identity without getting copies our social security and driving license via fax/email. 
My complaint is 1- what makes them feel after so many years that we are not the right account holder2- why they can not verify our identity when we went in person with all documentation to their branch as per their supervisor instruction? 
3- Now, I have decided to close my account with them after getting last statement but upon asking to give my earned rewards back they said I can not get those unless account is reactivated and for that I must have to follow their instruction. the only reason for closing my account is that i dont want to send copies of my secure information to anyone for this simple transactions based issue. and they wont release my earned reward which I earned after so many spending 's unless I send these. 
So please let me know what are my rights being a consumer and what capital one rights in terms of accessing someone 's private and most secure information? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have an account at Usaa I called them on XXXX XXXX when XXXX had a data breacher with me being a federal employee I was advise to take procaution so i called them on XXXX/XXXX/15 asked them to close my account ending in XXXX. I open a new account ending in XXXX come to fine out they didnt close it and alot of ach payments tried to come through and they charged me XXXX for everyone that tried to come thruogh amounting in XXXX Now they have closed that account and put holds on all my other accounts with me not being to recive my direct deposit until that is paid

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: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
XXXX, XXXX, FL. 

I contacted Advance America before my loan was due. They referred to to a program for credit counseling which I attended, but the paper work was never faxed to them. I called them and told them I would be entering into a payment plan with the credit counseling agency, and asked them not to take money out of my bank account. They told me they do not take money out of bank accounts. I am really upset about it all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
My credit card number was stolen and fraudulently used to purchase services in XXXX. I am a resident of XXXX and was traveling to XXXX and XXXX at the time. I called the credit card company, USAA, and disputed the charges. I spoke to at least XXXX individuals who repeatedly lied to me about the state of my credit card and my ability to use it while traveling ( I would be stranded without hotel or food. ) This was back in XXXX. Today, USAA claimed one of the XXXX businesses claimed the charges were valid. Despite the fact that the fraudulent charge was not made under my name or the name of anyone in my family, USAA is holding me responsible for these charges. Further evidence I did not make these charges is that I was not in XXXX at the time -- as plane tickets bought with my USAA card show -- and the card was used for vehicle services on a vehicle I do not own -- as my car insurance with USAA would show. Despite all of this evidence, USAA is attempting to charge me for these fraudulent charges. I am being given NO RECOURSE to bring up these pieces of evidence. Furthermore, since XXXX, USAA representatives have repeatedly treated me in a condescending fashion and lied to me about the state of my card. I fear USAA may be colluding in a SCAM with the disputing company, XXXX. Furthermore, given the way the USAA representatives treat me and the way they pronounce my last name, I believe my ethnicity may be involved with their choice to participate in this fraud.

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 2015-09-29 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: OH

Complaint narrative:
I am writing in regard to XXXX account XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, Ohio XXXX. I was a long time subscriber to XXXX for 9 1/2 years. At age XXXX, I subscribed at the lowest price point because my income is well below the poverty level ( just a little over {$12000.00} a year ). A XXXX telemarketer contacted me and thanked me for being a long time subscriber and told me that I was eligible for a free upgrade to High Definition service. The telemarketer used unfair and deceptive marketing practices by telling me that I would also receive 3 months of premium movie channels at no charge. XXXX failed to adequately disclose the true nature of the deal in a manner that I could understand, which resulted in much higher prices, unauthorized charges and a requirement that I maintain the new rate for 2 years. XXXX used high pressure predatory practices by targeting me as an elderly person, who XXXX gets confused over the details. All I understood is that I was being rewarded for being a good customer with free services. 
When I saw my next invoice, I saw that my subscription price more than doubled which I did not expect, and could not afford. When I called XXXX about the unauthorized charges, they would not allow me to go back my original plan and told me that I was stuck at the new rate for 2 years. I then told XXXX that I wanted to cancel all services and was told that I would be charged for a verbal 2 year contract. I cancelled my service and returned the required equipment. XXXX 's predatory, and deceptive practices was confusing to me at my age. 
XXXX has since issued collection actions through Diversified Consultants XXXX Agency reference # XXXX XXXX in the amount of {$470.00} which hit my credit rating. I am requesting that XXXX cancel all inaccurately perceived debts due as a result of their deceptive actions, cancel collection actions including repeated phone calls, and rescind the credit rating incident, in order to restore my credit rating to pre incident levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
Diversified Consultant has never that prepared paperwork for the collections before placing it on my credit file. I send them and certified letter and email correspondence request from such information to verify the debt such as contract agreement, charges, and payment history. I have not received any thing back from Diversified Consultants to verify that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Advance America, Cash Advance Centers, Inc.
State: OH

Complaint narrative:
I have a complaint about a transaction at this store : XXXX # XXXX XXXX Cleveland, OH XXXX NCP Loan Number : XXXX I was told that it was part of XXXX is part of Advance America. 

I 've been taking out loans on and off from this location for about XXXX months. In earlier loans, I was given the option if I wanted the repayment withdrawn automatically from my checking account. Then I was told if I wanted to " re-up '' the loan, meaning process another loan right after paying the first one back, I would have to come in because it can take their system XXXX days to recognize the first loan had been repaid via automatic withdrawal. Finally when I took out my latest loan, the story changed once again and I must come into the store to repay, there is no automatic withdrawal option - even though I received text messages confirming they would process an automatic withdrawal the next day if I did n't stop in on the due date. They even called me and my husband to harass us because I had n't come in. 

I believe they are changing the auto payment rules to encourage people to re-up their loan, and never really pay off the cash advance. Please feel free to call me if you have any questions. 

SincerelyXXXX cell XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation