vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Geneva Financial, LLC, Chandler, AZ Branch
State: NC

Complaint narrative:
Geneva financial created alleged money that was advanced on behalf of me from thin air by bookkeeping entry. They willfully and maliciously led me to believe they gave me a loan, in which I receive no alleged money.They did not disclose to me that my signature allowed them to create the money on my behalf. The money created never went into my account, nor did they disclose to me when they acquired the money through monetizing the note ( promissory note ). They led me to believe they were acting in good faith with clean hands and the alleged loan documents were lawful binding contracts. I was unlearned an unaware a novice to the laws and operation of the bank and real estate industry and this company took advantage of this fact to fraudulently deceive me. The alleged loan document contract is ultra vires, void by not meeting the lawful requirements of a contract, to wit : 1 A 'meeting of the minds ' did not occur ( full disclosure of the facts involved in the operation of the contract. 2. no valuable consideration was exchanged, on this note promises were made however I did give and ambiguous signature, they in return never signed, there was no risk or liability on their part, because no money was loaned. I am not liable by my signature as well. They did knowingly create fraud against me the proof which is on the the Summaries of transaction box 22 it clearly states " Total paid for by the borrower '' proving the home is already paid off by my signature but this company keeps sending documents through the mail misleading me to believe i still have an outstanding debt obligation.They too are threatening foreclosure action even though their first lien is past the 120 day STATUE OF LIMITATION .U.S.C.78c Section 10 violation of Regulation Z, violation of the code of federal regulation 12 CFR 226.23 and 12 U.S.C 226.23 Appendix H have all been violated which gives me right of rescission. Geneva Financial never disclose their note is a security. In selling my security to XXXX XXXX where is my portion of the dividends? Where is the interest from the money they are making through UCC 8-102. I have rights to the funding source which was my signature. They are not allowed to hold a note period. Nor or they allowed to loan their own money or depositors money, so where is the money coming from they loan me? They got the money from my credit. The security agreement was done in constructive fraud, and violates every disclosure requirements. Signing a note for me is fraud / lack of full disclosure and identity theft. Base off documents they made money off my credit 3 times, however it could be more. There was no disclosure stipulating the utilities left in the house, I was told all utilities left in the house belonged to me. A fridge, washer and dryer were stolen from the home which throws off all their loan calculations by XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CONDOR CAPITAL CORP
State: MD

Complaint narrative:
I 've been having on-going issues with my automobile lender, Condor Capital. My primary issue of concern, is that the auto company took my loan off of my credit report while I was still making payments. Although I 've made monthly payments, it always appeared that I carried a balance, which in turn additional penalties and interest applied. So regardless of my monthly payment, I was always behind. Although I purchased my vehicle in 2012 for {$15000.00}, I still have a balance of over {$13000.00} after four years. There 's something terribly wrong here. Also, my car was repossessed this morning. I have n't received a phone call, an email, a letter in the mail - only to pay the bill, which I disputed because I had issues with the payments posting incorrectly. I can not understand how a company can operate under such pretenses.

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 2017-03-04 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: Collection Bureau Services, Inc.
State: ID

Complaint narrative:
I paid off another account a couple of years ago with COLBRSRV and then they decided to add this debt to my report after I paid off the other debt. I have never been to XXXX before. I have asked for a copy of their investigation, but they refuse to provide it. I have also asked that a HIPAA Compliance officer provide signatures and any other documentation that shows that this is my debt, but nobody is providing anything. There are XXXX debts from XXXX on XXXX totalling XXXX and XXXX debt on XXXX totalling XXXX. Neither of these debts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES
State: CA

Complaint narrative:
On XXXX/XXXX/15 at XXXX I submitted a payment via the Provident Funding App on my smart phone. This payment is for the XXXX 2015 payment. I applied for credit and was told on XXXX/XXXX/15 that my credit score had significantly dropped and I would be receiving a higher interest rate because of it. On XXXX/XXXX/15, I obtained a copy of my credit report and was shocked to find Provident Funding had reported my loan 30 days delinquent based on the day the company chose to process the payment which was XXXX/XXXX/15. I explained to each of them that I 've processed many payments on the XXXX day of the month in addition have processed payments on a Saturday and have never received a negative mark on my credit until now. I was also told I would have had to process the payment on XXXX/XXXX/15 to avoid a negative mark on my credit because the XXXX is the last business day of the month for reporting in addition they are n't open on Saturday to process my payment. I was told they have to report accurately and per the FCRA guidelines and ensured me this was correct. I was told i can not receive " special attention '' and further explained the day i processed the payment did not matter, what mattered was the day they got my money. I repeatedly asked how I could receive a 30 day late when there are only 28 days in the month and I paid within the current month. I explained my understanding is i have 30 days from the due date and the representative told me that is no actual date to when they can negatively report on my credit and assured me provident is compliant with the FCRA guidelines. I wanted an explanation as to why internal business practices negatively impacts the consumer all because 1. It 's a short month 2. They are n't open on weekends 3. The last day of the month it reports to the Credit Bureau 4. I was told on the website it would n't be processed until XXXX/XXXX/15. The disclosure is vague and fails to state what the effective date is. The payment was made on a Provident provided website and they confirmed through the paperwork I submitted and their internal records it was received on XXXX/XXXX/15 at XXXX. This is negatively impacting my husband and I while in the process of obtaining credit. I have disputed this with the credit bureau agencies and provident funding has responded by saying the information is accurately reporting. I think this is unfair and deceptive to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
Advance America in XXXX MI contacted and harassed my former spouse and my payday loan. Threatened to have me arrested for a XXXX XXXX dollar loan. I have been divorced from this person for seven years and my divorce papers clearly state that neither of us are responsible for each others debts. i believe this is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Bankruptcy discharged XX/XX/XXXX. USAA credit card was discharged in that bankruptcy. In XX/XX/XXXX, my USAA checking account was overdrawn due to insurance policy charges. I called USAA to give them updated bank account information, as I have no way to deposit money into USAA checking due to location. They debited the insurance charges from my new checking account, but referred my overdrawn checking account to a collection agency. As soon as I learned of this, I submitted a check to them in the amount of XXXX. Thinking this was resolved, and the check having cleared, I told the collection agency to stop calling me, as I had paid the debt directly to USAA. Today I called USAA and was informed that the payment was applied to an outstanding credit card debt, and they would not reverse it. I told the senior banking agent at USAA, named XXXX, that I included that credit card in by bankruptcy and that it was a violation of law to collect that debt. She told me I was wrong and disconnected the call. Attached are the credit card statement that they posted to my account for the XXXX time since XX/XX/XXXX, and my bankruptcy petition and discharge.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My name is XXXX I 'm with XXXX out of XXXX, TX. We are a franchise XXXX and XXXX motorcycle dealership. I had a customer ( member number XXXX ) bring me drafting instructions from USAA for a motorcycle that we sold him. I titled the motorcycle and faxed all necessary paperwork to USAA expecting them to honor the draft the customer brought to us. 2 weeks after I had already given the motorcycle to the customer, and titled and registered it. I find out ( from the customer, not USAA ) that they will not honor the draft. The customer was unaware but he filled out paperwork for an auto loan and not a motorcycle loan. He was unaware of this at the time or he would have corrected it, it was not his fault. The fault lies with USAA 's loan officer, they had the VIN number and should have been aware of what they were buying before producing the loan document. USAA is unwilling to take any responsibility for the flaws in the way they conduct business. So, now here I am as the dealer with a sale that fell through that we worked so hard to earn and a motorcycle that is not in the same condition as when we sold it, and instead of making a profit I 'm at a {$650.00} loss on the deal because I 've already paid taxes on it. Also, my poor salesman that worked so hard on this deal will have a negative sales commission on his next payroll. 
Needless to say, I will not do business with any customers that come in my dealership with a draft from USAA. I will make them find financing elsewhere if they want to purchase anything from us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified collections keeps calling me after made several requests that they not contact me anymore. The numbers they contacted me from are XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
For quite some time USAA BANK has operated illegally with debit card issues, credit card issues, banking issues, checking account issues, savings account issues, WORST CUSTOMER SERVICE in the world and BAD FAITH INSURANCE ISSUES. They lie cheat and steal and overall are nothing more than immoral consumer haters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 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:
On XXXX XXXX, 2015, I received my free updated " XXXX '' credit report. 
After reviewing it for accuracy, I noticed a " negative credit entry '' remark that I owe " XXXX '' approximately $ XXXX since " XXXX 2015. " I 've had " XXXX XXXX XXXX '' for the last 18 years. I 've never had " XXXX. " So I called up this " debt collector '' named " Diversified Consultants '' at XXXX as listed on my " XXXX '' credit report. 
All they said was " Pay if off, and then we 'll take it off your credit report. " I told them it was n't my debt, that I 'm a victim of " Identity Theft. " They just then " hung up '' on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
We have a mortgage loan through USAA Federal Savings Bank. We need federal Form XXXX to prepare and file our XXXX tax returns. USAA has failed to timely prepare and post for their customers a complete Form XXXX. We were promised by USAA representatives that they would post complete Form XXXX on their website on XXXX XXXX, XXXX. However, as of XXXX XXXX, XXXX, USAA has not made a complete Form XXXX available to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I paid the monthly payment, online through Capital One 's website, in the amount of {$50.00}. The minimum amount owing was {$46.00}. The next morning when I checked my bank account, the site had taken {$1400.00} from my account! I called and was told there was a hold on the payment, since they thought it was " odd '' ... .but they could n't do anything about it, except put me in touch with a representative from my bank. My bank said they could dispute the charge, and reverse it, and that 's what I did. I then sent a payment of {$50.00} via a check, ( not wanting to go through that nightmare again ), which they received and cashed. Two days later I received a letter saying my credit card had been closed, but I still owed the balance. Then I get a bill from them for the entire balance, plus a late fee and over limit charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I 've just learned that when a person uses Capital One online Billpay they are at risk of having their money stolen by Capital One. Here 's how : When you approve an online bill payment the amount is debited from your account the moment you click " send ''. Then a check is sent to the payee. However, if 90 days pass and that check has not been cashed or deposited Capital One never returns the money to the customer / PAYER 's account and never notifies the customer. They just keep the amount of the transaction. Forever. 

I 've just had this confirmed by a manager at Capital One. When I pressed him on Capital One therefore basically getting to keep my money he said " no its in limbo '' but that is not true. The amount still remains on Capital One 's books as an asset because the money has never been transfered to another financial institution as would happen when the check was deposited or cashed and the cashing or depositing institution requests the funds from Capital One. Not only is this practice fraudulent but when questioned on it Capital One counted on my ignorance of how banking works to lie to me about how they benefit from the policy. 

In addition, while Capital One will never return your undistributed funds, the PAYEE only has 90 days to cash or deposit the check. You would think that after that same 90 days the funds would go back to the Customer / PAYER, but this is not the case. 

Therefore, in essence, every time you send out a check with Capital One 's online billpay, an invisible 90 day timer starts, and when it 's up the PAYEE ca n't collect, the PAYER is never notified, and Capital One gets to keep the customer 's funds. 

I have been informed by Capital One 's representatives that if you call and ask them to give the money back, they will, after charging you a fee. But If the PAYEE never informs you that they either did n't receive or deposit/cash the check Capital One never informs you, so you do n't even know to call and ask for your money back. Then they get to keep it. I 'm sure the combination of this policy, the lack of any notification from Capital One, and how they benefit is just a coincidence. 

The basic form of this situation is : 1. I ask Capital One to perform a financial transaction for me ( Bill Pay ) 2. Capital one debits the amount of the transaction from my account. 
3. The financial transaction does not complete within 90 days ( The Payee never receives or claims the funds ) 4. Capital one never notifies the customer that the transaction did not complete and never returns the funds. 

How can this policy and order of events, confirmed by Capital One, be described as anything other than fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid my bills on time for tree years.change address and did not get the change amount inmy billing.and they never call me once.yet lied and said they call.and reported my me to credit beroue.i paid off the bill.in full today.neiman marcus, tryed to talk with them, but she was just rude.,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have a Sony Card issued by Capital One. My credit line is {$6300.00}. I have had a zero balance since XX/XX/2016. I received balance transfer check offer in the mail. I wrote and mailed a check to XXXX XXXX to pay {$1800.00} on my balance. I noted on line that XXXX received the check and credited the payment. A few days later, the payment was noted as reversed. I called Capital One on XX/XX/XXXX and their rep. said that they were having a problem with the checks. he offered to process the balance transfer manually. I agreed and gave him all of the information. As of this morning all that has happened is that my available balance on the card has been reduced by {$1800.00} but no there is no evidence that the transfer has been sent. There has been no credit posted at XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I just received a notification from XXXX that a collection was added to my credit reports. According to XXXX it was reported on XX/XX/2017 but I never received a dunning letter and got the notification that it was added to my credit reports today. I googled the information XXXX provided and found out the address/phone number of this company. The amount is for {$180.00} but I do n't know who I supposedly owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I used Capital One to prepay for a rental car with XXXX XXXX XXXX XXXX. Included in the price I prepaid to Capital One for the rental car was a " drop charge '' of {$210.00} for returning the rental car in a different location. XXXX then charged my Capital One card for the same {$210.00} " drop charge '' ( {$270.00} with tax ) that I had already paid to Capital One. I contacted Capital One to inform them the transaction from XXXX was a double charge and Capital One did not issue a credit [ Case Number XXXX ]. I then sent an email to the Capital One Travel Consumer Relations Department on XXXX XXXX, 2015 [ XXXXXXXXXXXX - Incident XXXX ] and received no response

Company response to consumer: Closed with non-monetary relief