vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Please see related CFPB complaints Case number : XXXX & Case number : XXXXXXXXI got a voicemail from USAA today and I 'm extremely disturbed by their handling of this matter after I contacted them back. Please refer to the attached sound bites.

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 2017-01-24 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: TX

Complaint narrative:
On XX/XX/2017 I spoke with a representative named XXXX in regards to my account with Advance America. I asked her if I could pay my XX/XX/XXXX payment early and she stated yes, I asked her if I would still have to make another payment on the XX/XX/XXXX and she said no. I proceeded to make the payment on XX/XX/XXXX in the amount of XXXX. I called in today on XX/XX/XXXX to see why my account had n't updated with my payment and the lady I spoke with said that I would still have to pay on XXXX XXXX because the payment I made on Monday did n't cover the amount due on the XX/XX/XXXX which was odd since I paid the amount due in the amount of XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
This company sent me an email stating they have tried to contact me by phone and by mail. I have received no calls nor have I received any mail other than the email I received today XXXX/XXXX/2016. 
I just want to know if this company is legitimate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
In early XXXX, I successfully disputed a {$58.00} collection account from XXXX that I did not owe. The servicing collection agency at the time was XXXX XXXX, XXXX. This collection agency could not validate the debt and removed the account from my XXXX report. 

In XXXX XXXX, I received a phone call from a collection agent from Diversified Consultants on behalf of XXXX claiming that the {$58.00} was still owed. I demanded that they not contact me by phone again and to send a written validation of the debt within 30 days. The agent agreed to do so and said that a representative from XXXX would be contacting me. I never heard from anyone again about this matter. 

Diversified Consultants has now begun reporting the {$58.00} collection on my credit report. I have filed disputes with XXXX, XXXX, and XXXX. I have no knowledge of this debt and will not be paying unless it is fully validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
My bank - USAA allowed a third party to do a complete takeover of my accounts. They were able to take {$9000.00} in Home Equity loans, transfer them to my debit account, and make XXXX Withdrawls of {$400.00} in a single day from an ATM. They did not catch this fraud until I brought it to their attention. They also " lost '' {$7000.00} of our money when it was transferred into a " Ghost '' account and did not apply the $ XXXX to our Home Equity line of credit. 
1 ) What kind of responsibility does USAA have to announce how many accounts this happened too? Wait time for fraud department went from XXXX to 2 hours leading me to believe this is widespread. 
2 ) It 's obvious Negligence when they do n't catch XXXX transactions for {$400.00} in a single day..do I have any options for redress due to their negligence? Myself and My wifes - name, birthday, Social Security number, and address are now in someone else 's control thru no fault of our own. 
3 ) Has their ever been an Audit of USAA 's procedures? How can they " Lose '' $ XXXX into a " Ghost '' account? I spent over 10 hours on the phone with them and ended up having to email XXXX of their executives ... and their CEO multiple times before they realized their accounting error. 

Any assistance in this matter would be appreciated.

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 2016-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: MA

Complaint narrative:
I closed on my house on XXXX XXXX, 2016 using Loan Depot LLC as my mortgage provider. Near the XX/XX/XXXX, I submitted my first payment of {$2100.00} via check to Loan Depot. After I sent the check, and a few days after, I received notification my payment had been purchased by XXXX. My check was cashed as a debit transaction on XXXX/XXXX/2016, and when I called to see why that was the case, nobody on their end had me in the system, nor did they have my address in the system. Despite numerous calls and emails, I have not gotten a response, and my call this morning was actually hung up on mid converstaion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I 've been a member of USAA since I was a XXXX in 1988. I started banking with USAA about 5 years ago. My complaint is they charge {$25.00} overdraft fees even though I had sufficient funds available the day the transactions posted and were recorded on my on-line bank statement. I had XXXX OD fees of {$25.00} each charged in XX/XX/XXXX for transactions as low as {$3.00} and no more than {$37.00} and it was only a matter of hours before funds were available as deposits arrived the same day the fees posted on my account. This is a gross example of loan sharking. Transactions are authorized, posted and cleared in a manner that favors the banks and hurts the consumer and makes the bank money via fees. They should n't be allowed to charge {$25.00} to loan {$3.00} for a few hours. This is predatory lending at its worst.

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 2016-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
He identified himself as a lawyer from XXXX, XXXX XXXX XXXX. & said his call was in reference to a summons I would be receiving at my door today or tomorrow. He told me my case number was XXXX. He said I owed Advance America {$310.00} but I never had a loan with Advance America. The payment arrangement he would make today was {$180.00} to consider the case closed or XXXX payments of {$110.00}. 
I told him this call sounded like a scam & he said if I did n't pay I would be going to jail & he would ruin my credit.

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 2015-05-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
Diversified collections contacted me around XXXX 2014 notifing me that they had obtained there information from XXXX XXXX XXXX XXXX. I advised them that I had told XXXX XXXX XXXX that I would pay the account off in full when I received my income tax in XXXX and that since they had the account now that I would do the same. I made several {$25.00} payments to them and did pay the account off, the agreed amount with my income tax. They told me that once it was paid off that I could submit in writing to them via fax that I would like it removed from my credit bureau report as a deletion. I did so in XXXX around the XXXX and also called to make sure they received my fax. I was told that a supervisor had it and they would be in contact with me. Several weeks went by with no call from them. When I called again around the XXXX of XXXX was told that this could not be done and I would have to take it up with the credit bureau 's my self and dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 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:
Wheels Financial Group , LLC sent me XXXX for XXXX on a loan I never applied for nor received. I do not have any knowledge of this company. I have never done business with this company. This seems like Tax Fraud and Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Action Collection Agencies, Inc.
State: MT

Complaint narrative:
XXXX the lawyer or Action collection levied my bank account five months ago. These monies have still not posted to my account. XXXX office said the monies are with XXXX investigation and they say the monies are with action collection. It has been five months sense the took my money from my bank account, XXXX number is XXXX Action collection number is XXXX XXXX investigation number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC
State: CA

Complaint narrative:
They called me all day and have now tried calling friends and even called an ex boyfriend.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE
State: AZ

Complaint narrative:
My payment has been paid on XXXX/XXXX/2017 which was mailed on XXXX/XXXX/17 and still as of XXXX/XXXX/17 my payment has not been posted to my account, and been advised I will get late fees even though im still under RESPA protections. also the sub servicer XXXX would not admit that the loan is serviced on behalf of The Money Source. so the whole process ive been lied to and no help resolving this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
I am a XXXX in Indiana. My client is getting a loan through USAA Bank. He is a veteran. This loan has been dragging on for close to 50 days. Now they need to extend the rate lock but want to charge my client {$9800.00}. It can not be rolled into the loan so it must come out of his pocket. They have not been expedient with this process. What do I do to protect my client????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I have disputed the Diversified Consultants Account with XXXX and with Diversified Consultants. XXXX stated that Diversified Consultants verified that this account belongs to me. This is seemingly impossible since this account do not belong to me. Perhaps this account was placed on my credit file in error or it resulted from identity theft. In any case this is not my account. I need your assistance in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
After 24 years with USAA Federal Savings Bank ( I know it 's 24 years because they end every call with 'thank you for your valued membership for 24 years XXXX ' ), they closed our bank accounts, and have refused to give any reason. They also are holding all our funds for 30-days. I 've tried talking to as high up in management as possible, but continue to get the same answer, " that it was a legal decision within their rights from the review board and the review board does n't take calls or have to answer why. '' Luckily for us, we had another bank account, otherwise we 'd have no money right now. So warning to others, make sure you have at least accounts and money with at least XXXX different banks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Original Institution Capital One which has been deleted from all the credit reporting agencies, XXXX is a collection agency which is a 3rd party company, this account confirms full payment paid. Please Delete XXXX from credit profile. 

Respectfuly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have repeatedly explained to Capital One that I have not made or authorized any charges to XXXX XXXX XXXX. I have filed several disputes and Capital One is still refusing to refund me my money. In addition to that I was issued a credit from XXXX for food that was returned in the amount of XXXX and Capital One reversed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a Capital One Credit Card with a promotional period of zero percent. Nowhere on my statement does it remind me of the pending expiration of that promotional period, neither does it state anywhere on my online account summary, and I had to initiate a chat session to find out when my promotional period expires. No explanation was given as to why this information is not readily available on demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We applied for a refinance loan with Capitol One. We have been in the process for over four months and the underwriter has stated she will not give us a loan and does not want to work on our file any more- she will not deny us the loan because we qualify! We have a very high fico score we have never even had a late payment our whole life!! So She keeps giving us list upon list of things to answer or submit! We answer her questions and she comes up with new things- even down to making us explain properties we DO NOT own or explaining the same thing over and over again! We are now AGAIN being asked for more stuff- she is now asking for {$75000.00} dollars extra??? that goes against their agreement and good faith estimate as well as I believe their policy ( she is calculating it wrong on purpose ) she is asking for explanations we have given before and asking for lease agreements on properties we do n't rent or own ( and have explained that before ). She is also co-mingling our corporate business with our personal funds. We are being discriminated against!!!! I 'm not sure if its because of our ethnicity or religion?? The loan representative said we should not be going through this and was told by others in the company that this underwriter does this to many people! I 'm curious if the loans that she stops working on or delays with ridiculous conditions ( until they go elsewhere to get loan ) have a similar connection ( race, religion ) as that is what she can see- our name or where we donate our money too! We have spoke to and submitted our documentation to other loan institutions and they say this is a simple loan that should have funded a long time ago! I am complaining ( which I normally would never do and have never done in my life ) because I truly feel we are being discriminated against and I wonder how many other people this underwriter has done this too! I can NOT believe Capitol One is doing this to people!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
At this point I do not know who to hold responsible ; however, I 've worked extremely hard build my credit. My hard work only means something to me and not to the companies that I 've allowed to retain my earnings. I 'm upset and I 'll continue to escalate and complain until change is made with the unregulated credit reporting agencies. People who file bankruptcy have more of a fighting chance for additional credit than someone who 's spent the last few years making on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Do not owe Credit collection Services a penny. Never signed a contact with them, Dont know who they are. They listed a derogatory remark on my bureau and also listed it as medical which is againt HiPAA regulations. They can not validate with my signature that I have a contract with them or anyone else for that matter. I sent a certified letter asking for validation and they can not provide it!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I just want to let you all know to be very careful with Capital One - they are known to be the credit card to help you build and or repair your credit - but seem to do the complete opposite. I have had a credit card with them for about three years ( always pay on time ) and towards the end of last year I had one of there XXXX reps set up a 3 month recurring payment ( prior to auto-pay being available over the phone ) - well this person failed to set-it up properly and my account defaulted one time. As soon as I became aware I brought the account current immediately and was advised that it would not report late on my credit report. Now I 'm purchasing a home and when they pulled my credit I realized it did report late and called - I had another over seas rep tell me she would remove the negative remark from my credit but it was not done. 

I also had my dentist overcharge me and not want to give me a refund so I did a dispute for the amount my dental insurance advised I over paid - they did credit my account only to recharge me later. They say I did n't return the papers they sent me which I never received - after hours on the phone I was told if I faxed the documents they would re credit me a little less than half of what I was over charged. I faxed the papers and nothing. 

After numerous calls and complaints I got as far as speaking to their executive office which you need a special pin for. The account manager handling my complaint at the executive office was XXXX at XXXX XXXX XXXX XXXX XXXX - he finally called me today to let me know that after the " executives '' quote on quote reviewed my complaints they came to the conclusion that - well basically they are not going to fix either error they caused. 

After numerous hours on the phone with them XXXX by now I should be on their payroll XXXX a big fat NOTHING. I just want you all to be careful with Capital One - If you do n't babysit them and you do n't catch their mistake in time they will not help you correct them and in the end it may damage your credit more than help it!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Conduent Incorporated
State: WI

Complaint narrative:
On XXXX/XXXX/2016 I attempted to use my eppicard and it was denied. I later found out over $ 700+ had been taken out of my account through fraudulent activities. I immediately contacted eppicard to report the fraudulent claims. It took two days and hours on the phone because no one would pick up the call. I sat on hold for hours after being re-routed multiple times. I finally got someone on the phone after an hour and gave them all the info. They then transferred me and I had to give all the info again. I was told they would send me a form and I would need to fill it out and return it. Then I would have my money returned to me within a couple of weeks. The form arrived, I filled it out and returned it. I have still yet to receive my money back. I have made multiple calls to eppicard to find out where my money is and have been repeatedly hung up on by the system or sat on hold for so long, my phone has gone dead, or I have had to hang up. Most recently I call and it took me recalling the customer service number for 25 minutes to finally be transferred to a XXXX person. The system would hang up on me if I did n't answer the prompts correctly. Once transferred, I remained on hold for 85 minutes until I finally had to hang up. I still have yet to get my money back or speak to anyone live about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I did not receive the debt verification they say they did send. I was offered a settlement on a unverified debt. I feel harassed by these people.

Company response to consumer: Closed with explanation