vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Bank will not give me my funds from my direct deposit. MANAGER IS THE RUDEST I HAVE EVER EXPERIENCED. I called into the Regions Bank XXXX XXXX branch to speak with XXXX, who by the way has not been any type of help at all. She seems to show no passion or concern for my situation. I opened the account online, and for whatever reason the account was closed. They said maybe because of chex system. I went into the branch the day after opening the account and they said it was ok for me to have my direct deposit from my job to be deposited in this account. Acct. The day of my deposit, XXXX/XXXX/15, I am not able to access my funds. They told me my account is being closed down. XXXX refused to try to make any calls to back office to see if there was something that could be done. The manager, XXXX i believe, at the XXXX location branch was very nice, but also said XXXX was rude with her on the phone. Are you guys really here to help the customer out. However, I have car note, mortgage, and funeral arrangements to pay for. I need my {$1200.00} out of this account. The 10 day rule is not going to work for me. Either you guys refund me my direct deposit or reject it so that my employer can write me a manual check. It 's that simple. I have been in tears today, because this is my first check and it was deposited with confidence that I would be able to access it. I have children to take care of. The fact that you want me to wait 2 weeks nearly to receive my funds in the form of a check is ridiculous. i would like my account assigned to the XXXX branch, where I work and deal with them. I DO NOT WANT TO DEAL WITH XXXX FROM THE XXXX XXXX BRANCH IN XXXX. XXXX basically sat on the phone and told me " Tough Luck! '' Never was she apologetic. She is not what I though Regions would be a representation of. I really hope she is replaced with someone who actually wants to do the work and find out what 's going on. Well Regions Bank, I need my funds. You guys have closed the account, give me my hard earned money that I have worked for. I have contacted XXXX at corporate as well. I told her to PLEASE DO NOT MAIL MY CHECK OUT IF YOU GUYS HAVE TO CUT ME A CHECK.SHE SAID IT WILL GET MAILED TO ADDRESS ON FILE. I WANT TO PICK MY FUNDS UP FROM THE BANK. SOMEONE NEEDS TO HANDLE THIS ASAP, OR I WILL BE ON EVERY BLOG AND SITE TELLING MY HORRENDOUS EXPERIENCE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
This involves an attempt to collect on an auto insurance policy which was wrongfully cancelled. Emails and notices validate such then XXXX XXXX XXXX XXXX XXXX XXXX, has continued trying to collect when their own agent cancelled the policy and has reported differing amounts as being owed. 

Have send several notices, some even by certified mailings the claimed debt was disputed, have emails more than a year ago to agent about the wrongful cancellation and agent even stated to bank representative coverage was active while it was not, but still I was being billed. 

Have sent notices requesting written correspondence only and to stop calls because of health conditions and still getting as many as XXXX calls per day, calls on XXXX morning before XXXX. This claims is against XXXX XXXX as well as CCS Collections Services. 

Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One has told me that I do not have late payments on my account but my credit report is showing XXXX late payments ( XXXX, XXXX, XXXX, XXXX, XXXX ). I have disputed this information with Capital One several times and have been told that the late payments are correct but when I contact Capital One they assure me that there are no late payments on the account ; Capital One then assured me that the late payments were corrected and removed off my report and that the credit bureaus had to update their reporting. After disputing with all XXXX credit bureaus, I get a unanamous answer saying Capital One is reporting the late payments so my credit reports can not be changed. I have submitted complaints to all XXXX credit bureaus thinking they were refusing to update the information but the re-investigations by the credit bureaus are pointing to Capital One being the broken link. Capital One is telling me that their reporting was updated and they are not reporting late payments but they still report the false data. Capital One is lying to me about my account information and reporting false data. Attached is a copy of a conversation I had with a Capital One representative. They clearly state that the late payments have been updated and removed, yet they still report the late payments. Calling Capital One yields the same result. I end up waiting for the credit bureaus to change the information but they are only reporting what Capital One is providing them. Capital One needs to report the correct data and my credit reports should be updated and the negative information should be removed. These XXXX payments have killed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I recently closed a Capital One secured credit card. I did so after a minor identity theft issue. Capital One locked my card and told me I had to submit a birth certificate, social security card, XXXX or employer information, proof of address and driver 's license to unlock the card. But given the identity theft I was not willing to do that. So once I closed the account I was guaranteed my deposit ( {$200.00} ) minus and balance on the card would be returned to me ( {$51.00} ) within 3 weeks. It has now been 3 months and nothing. I began making calls only to be told I needed to verify my identity in order to get my money. I even had my bank conference in and tell them it was me, I verbally verified my social, the bank offered to reverse request the funds all of which Capital One refused. They will not release the money until I send one of a kind documents digitally to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol One refused to correct incorrect information it continues to furnish to credit agencies regarding a credit card account I closed in XXXX. Capitol One reports an open Capitol One Credit Card with a Revolving Account, an overdue balance, a status of past due, and missed payments. I did open an account with Capitol One briefly on XXXX XXXX, XXXX, but I never made any payments on this account or used it in anyway and I closed the account in XXXX XXXX. Capital One kept this account open by mistake and mistakenly charged a {$23.00} administrative fee, despite that I had already closed the account and completed all payments. I was able to work with a customer service representative at Capital One and confirm the account was closed, and since XXXX, I have discussed this matter with other Customer Service representatives over the years, and they have confirmed that the account is closed and no payments are due. I have never received any notice of this account or any bill since XXXX. Yet Capitol One continues to provide incorrect information about this account to Credit Reporting Agencies. This negative information is damaging my credit score. My negative credit score is impacting the rate at which I am able to obtain various loans and causing additional monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I was charged a {$500.00} unsubstantiated fee. I am a widowed, XXXX veteran, mother of XXXX with XXXX child under XXXX still living at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Geneva Financial, LLC, Chandler, AZ Branch
State: AZ

Complaint narrative:
Back in mid XXXX of 2015 my listing went under contract. The buyer agent had sold me on the broker with Geneva Financial, a XXXX XXXX XXXX # XXXX, would be able to accomplish the deal. As the transaction proceeded, the bank who I represented agreed to do repairs to the roof for financing purposes. The finance broker agreed to pay for the buyer repairs. He the broker said he would build it into the loan. I verbally said, OK and he proceeded to have a firm enter and do work in the amount of {$3500.00}. Originally we were to close on XXXX/XXXX/15, and it was then extended to XXXX/XXXX/15 from broker request to finish up. Well it was still not meeting that close date as his people were not done or he had to anticipate other factors. I do remember the turning point was when his camp all of a sudden said they were ready to close and needed an addendum putting the XXXX vendor repair costs on the seller side to be approved. My asset manager said no way, that we had only approved for the roof. Well from that point on it got dragged out until I called the CEO of Geneva Financial and reported him. He made changes and we closed in one week. The bad behavior was his stalling tactics keep all parties with no direction for over three weeks. Well fell out of contract due to his in action. Also rude treatment of the buyer agent pitting her against the buyer who she had worked with for over 2 years. Also the escrow officer had to know the status and he 'd never return phone calls. Absolute rude, fowl language along with no follow up to anyone in the actual parties to successfully close. Buyers agent has XXXX or XXXX other deals with this guy so he 's treating her badly as he knows he can control the way the financing goes with them. I will never use nor recommend this broker to anyone and he should be investigated for the behavior alone. To end the buyer had over 30 days to wait because of his stalling tactics. I accused him early on that he was holding hostage the loan for his own benefit thinking someone would pay the {$3500.00} that he had some idea would go on the other side of Hud statement and no one would detect, what an XXXX. 
Completely unprofessional in that he 's not truthful, lies and abusive.

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: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
This morning I tried to use my account to gas in my car and found out that my card, that they sent to me 2nd day air was closed. I called and they said a fraud was done against the bank. I did file a claim for funds that were taken out of my account two day before but it was fraud against me ... I talk to the rep and she said that I will receive my funds in 60 days. I explain to them that my money was just deposit into the account and that money was to used for food for the kids and to be able to have gas for the car to get back and forth to work. I told them we had no other money then the money that was in the account they closed. I do n't get paid for two weeks now and have no money to feed my family or pay my bills. I ask them to red label my funds in a cashier check and I would pay for the cost. They said no and it is against banks guidelines. My family can not go a day with out our funds. I did n't even have enough to put gas in the car to take my son to school and get to work. How can they hold my funds like that and give me no ability to use it. This has put me into hardship

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 2016-11-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
The credit card company did not credit my account for a refund I received from a merchant. I contacted them three times by telephone and each time I was assured by customer service representatives that they would correct the problem. However, it was never corrected. I then wrote to the credit card company at the address they indicated for billing disputes and provided supporting documentation regarding the refund I should have received. They never responded and my credit card account continues to be listed in arrears and I continue to be charged an interest fee on the balance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-18 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I am having problems with a payday loan. Yes, I took out the loan over a period of three years and paid an enormous amount of interest and loan fees. I have been threatened with felony charges for a check you have to leave them until the loan is paid back. I ran into financial problems and moved away from XXXX XXXX, Texas. The collection department told me I needed to come up with {$970.00} or a warrant would be issued for my arrest. I asked them if I could pay it out, and she told me I needed to pay {$240.00} for 4 months. I told her I was already in a financial pinch and that would be too much, but she said she could n't change that payment. I hung up the phone and did n't call her back.. Advance America is the payday loan company. In three years, I have paid them XXXX dollars, mostly interest and fees. The name of the bank I used was XXXX, XXXX. I really need to know what you can do to help me. Being a XXXX veteran and my wife is XXXX and ca n't work, it has been really hard on both of us. They are charging us for monies owed and checks returned for NSF. Thank you so much for your help, and if you need a copy of our hardships, I have the past 12 years recorded in a hardship letter. With our family, it became borrowing from XXXX to pay XXXX. Presently, my wife is overwhelmed with doctor treatments and more payments ; besides owing over {$200000.00} to restitutions and college loans.

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 2015-09-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: We Collect Inc
State: WA

Complaint narrative:
i had a auto loan through XXXX that went into default they sold the debt to atlas financial atlas filed for a judgement and got it approved when filing a auto loan judgement the law is they have to file in the county you reside in they did not do this im in XXXX county XXXX the judgement is in XXXX county XXXX where ive never lived when they got the judgement they filed to the credit beurros both reliable and atlas filing against my credit for the same loan legaly they cant both file for the same loan after reliable sold the loan to atlas not filing in my county they should have never got a judgement i have sent several letters to the parties involved in this atlas financial and reliable credit and the XXXX beuros with no positive result i would like this off my credit report more than XXXX tactic they have used is not legal and they should not be able to report negatively please help me with this issue thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
I have received multiple notices regarding this debt with XXXX from many different companies. My attorney previously notified DCI on XXXX XXXX, 2015 that I disputed this debt and that any further communication should be with my attorney. Despite this, I received a letter directly from DCI again on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES
State: WA

Complaint narrative:
I refinanced my mortgage with Provident Funding ( XXXX ). We filled out the requisite paperwork at close including the instructions to establish autopay on our account immediately. Provident claims they did n't receive the paperwork and I received a notice after the first payment was due indicating that our payment was deliquent and that a {$70.00} late fee would be imposed. Provident is refusing to waive the late fee even though the mistake was made either by Provident or the title company they selected to facilitate the close. It is shameful that they are attempting to earn a fee off of incompetence on their end.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I purchased a new home in XXXX. Everything as far as the escrow account goes was handled by the lender Imortgage. Well I noticed my payments had changed in XXXX so I called and asked to make sure everything was fine. I was assured that yes, everything was fine and that the payments dropped a little because the taxes went down. She informed me that this can happen with new homes since they often put more in escrow to cushion any tax increases. They then sent me a XXXX dollar check saying that I had paid too much into escrow. That was in XXXX XXXX. Fast forward to XXXX XXXX, I check my bill to pay online, and it says I own {$4000.00}!!! I call and XXXX in customer service told me that the taxes last year were not paid, and that I was paying back the advance they paid. I told her there was no way I could afford this and why did this happened in the first place! Is n't someones job to make sure the escrow is correct! I had called last year to confirm even! I am a new home owner so all of this tax and escrow stuff is pretty foreign to me, so I naively agreed with the rep last year that everything was okay. So now I am here with a XXXX dollar increase to my mortgage payment and that 's the best they can do as the " investigate '' and rerun the analysis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
They called me saying that they will contact my employer to try collecting the money? I dont owe any money. This is the 3rd acct they opened in my name. Even got me in trouble with the IRS claiming a XXXX $ owed and file like sn income!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 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: FL

Complaint narrative:
XXXX is charging for time usage on cellular numbers not used. I have disputed this several times, yet they do not send me documentation to back this debt because there isnt. How can I owe money when I didnt use their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: NJ

Complaint narrative:
Ria Financial Services ( aka Ria Money Transfer ). Transfered {$2000.00} ( order XXXX ) to an account in XXXX and they were supposed to credit the money on XX/XX/2015 - as stated in their website. Money has not been deposited yet and all they say is they will contact the bank. XXXX 's customer service is the worst ever. Once the transfer was delayed, they did n't call me or emailed me, I had to call them to ask what was going on. And they do n't have an answer or solution. Also they state the transaction as completed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau Services, Inc.
State: WA

Complaint narrative:
Wrong amount has been posted on their notice of letter stating that I will be responsible for the items I 'm not familiar with. Though, I sent out a letter to resolve this credit since It is hard for to pursuit the identity theft and most of collection agency disregards this and keep posting this charge under my credit line and what 's even worse than this is they are trying to charge me even more to settle this debit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 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: UT

Complaint narrative:
I previously filed a complaint on XXXX XXXX, 2014, # XXXX. This complaint was against XXXX XXXX regarding a XXXX cell phone bill. that complaint was resolved and closed as they could not verify the debt nor provide me a signed contract showing I owed this money. XXXX has now assigned this debt to another collection agency Diversified Collections out of XXXX Florida. 

This complaint is leveled at both XXXX and this additional collection agency. Please make them stop violating federal collection laws, I have been through this process previously and do not feel I should be made to go through this again.

Company response to consumer: Closed with explanation