vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
In XXXX XXXX I found out that more than {$16000.00} had been transferred to my sons ' linked accounts from my Checking account. It had happened over more than 3 months starting in XXXX XXXX. USAA said that since the money was moved into both sons ' accounts that this was my problem to sort out with my sons. They sent me a form letter stating that they closed the investigation. But they did not provide me with an answer to how such a sum of money was moved from my account to my sons ' account without my PIN number on so many transactions over that time. I had changed my PIN several times because of difficulty I was having accessing the account online. They said they would elevate the complaint about 2 weeks ago and that they would be back to me in 3 days but I have heard nothing since. Please 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 2016-07-25 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
My bank refuses to prevent future payments to XXXX XXXX XXXX. They insist that the only way to fix this is to cancel my current card and have them send me a new one. 
For the past two months XXXX XXXX XXXX has tried to charge my account {$370.00} even though I no longer use XXXX XXXX XXXX. On XXXX XXXX XXXX charged my USAA Mastercard debt card {$370.00}. A few days later I contacted USAA and informed them 2 things : 1 ) this was an unauthorized charge and 2 ) USAA was not to pay XXXX XXXX XXXX any future payments from my account in the future. USAA said that it would be best for me to cancel my current card and they would issue me a new one. I told them that no, I 'd prefer to keep my current card and that they should simply just not make any future payments to XXXX XXXX XXXX. 
On XXXX XXXX USAA refunded the {$370.00} and I assumed that everything was ok. 
However, on XXXX XXXX, the same thing occurred again- XXXX XXXX XXXX charged my {$370.00}. I again called USAA and explained the situation once more. After and hour of hold time, discussions, and USAA telling me that the only solution was to cancel my card, I asked to speak with a manager. They submitted a request to a manager who just called me back. She told me several things about who the bank has a contract with Mastercard, how the bank could n't possibly predict what day XXXX XXXX XXXX would try to make the charge next time ( I responded that we should just assume it was going to be a weekday so please do n't let XXXX XXXX XXXX make the charge on a weekday- but also let 's include weekends just for good measure ) or how they did not want to interfere with the bank 's relationship with either the charging company ( XXXX ) or with Mastercard because that would then affect the relationship that all USAA members have with those companies. 
I then pulled up your website and we discussed its content. 
http : //www.consumerfinance.gov/about-us/blog/you-have-protections-when-it-comes-to-automatic-debit-payments-from-your-account/ This blog post refers exactly to what I 'm experiencing. 
By the end of the conversation " XXXX '' from USAA said that she would " do her best '' to try and solve the problem but again she said that most of the time the card needs to be closed and a different card number issued. 
I do n't want a different card. That would mean I do n't have a debt card for several days. Also, I would have to go through and reauthorize every company that makes validly receives payments from me. 
I 'd prefer USAA just obey the law.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
When I found out about Servicemembers Civil Relief Act ( SCRA ) i applied for it through Capital One only to find out they sold my account to a third party called XXXX. However, I can not get in contact with XXXX to discuss my account and its nothing that Capital One can do at the moment. I know my account went into default however, the account was opened prior to me joining the military. And I am entitled to SCRA benefits as I am an XXXX service member and have been for over XXXX years. When I called the number for XXXX I get no answer no matter what time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
XXXX pcs sent a debt to XXXX collections I paid settlement and have proof, now XXXX sent same debt to new collections and when contacted told me tough, I contacted XXXX XXXX who had me email proof, I have all emails, names of collector 's and paid letter. Double dipping is illegal and that 's what sprint is doing and now tagged all XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
My husband and I have a joint credit card with USAA. We had mistakenly thought we made a payment on it, and we had not. Our mistake lead to us somehow going only XXXX dollars over the " limit '' which I 'm not sure why they allowed in the first place. Instead of contacting us to inform us that we were over the limit, which we would have payed instantly, they reported it to the credit bureaus and our scores have both dropped by XXXX points. Upon trying to contact them to resolve or dispute this issue, I was transferred around in circles between USAA and XXXX for XXXX minutes, and could not find a single person to explain why it had happened or provide any type of resolution for the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a dispute with XXXX XXXX over a a cancellation fee they are charging me. The merchant has provided capital one dispute team, with inaccurate false information and Captial one 's dispute account managers are not doing their due diligence in investigating the situation. I have been told misinformation since XXXX XXXX, 2016 and my last encounter with the rudest account manager i have experienced there is what has drawn me to file this complaint. He proved to me that they are not reading the submitted materials. They are interpreting hard facts in the favor the merchant. THe last account manager, Said he was the HIGHEST person I would be able to talk even if the information he provided was inaccurate. I asked him for his name and ID and his name is XXXX. His attitude and knowledge exemplifies the on going problems that Cap One has with proving customers with accurate, timely information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC
State: IN

Complaint narrative:
I had recently spoke with a representative from a lending institution about a refinancing loan for my home. He had gathered information about myself and the property in question. I am looking to shop competitor rates and fees as well so I told him I would not like my credit to be pulled at this time. He then stated that he would not be able to give me an estimate unless my credit rating was pulled. I then said I would call him back, I then called a family member who owns a mortgage company and has been in the business for 30 years. She had informed me about the new law called " XXXX '' instituted on XXXX XXXX, 2016, stating that when you provide the XXXX pieces of information, name, social, property address, loan amount, income and an estimated appraisal value that the lender is required to provide you with an estimate of rates and fees by law within 3 days. I then called him back stating this because I gave him all the pieces of information except my social security number the first time we spoke because he said he would use it to pull my credit report to be able to provide me with an estimate of rates and fees. I did not want my credit pulled at that time and that is when I called my family member and she explains the laws. He then insisted on saying that is why he needed my social is to pull my credit so he can give me a loan estimate. As explained to me by my family member in the mortgage business, he can not pull my credit without my approval and could be in serious trouble if he did, I just wanted to shop rates and fees like I am able to do, he then became very short with me saying he would get fired if he were to guess at loan rates for me, so he just said some where between 3 % and 6 % and said he would delete my information, and that was the end of the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 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: SC

Complaint narrative:
The collection agency did not provide me with an understandable explanation of the amount they claim is owed. They have placed the account on my credit report as disputed, but it still affected my credit score. No resolution has been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
My complaint is of lack of concern for AmEx customers. XX/XX/XXXX XXXX I began to balance my checking account to make sure all payments and paychecks were submitted before we go XXXX to have a planned XXXX XX/XX/XXXX I made a note in my checkbook that I had it scheduled to be paid, however I realized my Amex card payment was not made. I 've had the card for over a year, making every previous payment on time. I called to make a full payment and ask for the finance charge and late payment fee to be removed. I was told that I do not qualify to have the charges removed. My credit per Fico score is really good-per even Amex 's free Fico Score ( over XXXX XXXX. Note : over 20 years I have had a few late payments due to scheduling or forgetfulness to different credit cards. One time I had not realized that I had n't made a payment until the next statement was sent. Yet EACH time XXXX removed the charges. I know who values me as a customer-I still have their cards. Again, Amex makes it easy to not use them as a main credit card. Yes, I do realize I missed a payment by several days. No concern for my business means I have no concern about their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I have been victim of identity theft at USAA. Someone has stolen my SS # and made a fake DL to open XXXX fraudulent credit card accounts and a bank account under may name. I have sent everything USAA has asked me to send from day one, since 4 months ago, and have hadXXXX lengthy follow up calls with them to date. Every time they say all is cleared but they fail to confirm to me by writing or email and report to the credit bureaus. Please see my last correspondence to them by certified mail, attached. This has been a nightmare for me. The situation is very suspicious and concerning as there are reasons to believe that the thief is potentially either internal to USAA or has a good line into USAA! Please 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 2016-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
They call day and night and when we answer they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
In XXXX or XXXX 2016, The Money Source, my mortgage company called me and said they were doing me a service to lower the interest rate on my mortgage at no cost, because I was a good customer. We started the mortgage refinance process in XXXX or XXXX, something I expected would be very quick since I already had my mortgage with them. But the process dragged out with me having to submit information over because they did n't get it, getting new requests from people I did n't know ( even a new request to lower my interest rate from some other person at The Money Source ), and slow responses from my loan officer. He said it would take about 30 days ; it took 90 day or more. I went through a lengthy process to electronically sign all the closing documents ; and then a closer came to my house and I had to sign all the documents over again. A week after the closing, I was requested to sign more documents. I was assured by the loan officer that this was not unusual. The loan officer told me I could skip a month on the mortgage payment and the payment would be made through the settlement process. But then while I was on vacation, I got two notices from The Money Source saying that I was behind on my mortgage. I sent these statements to the loan officer on XXXX XXXX asking for explanation and have not gotten a response. On XXXX XXXX I got an escrow statement from the closed loan account ( attached ). It showed no refund to me. I have done several refinances and always the escrow from the old loan is refunded to me. I called customer service and they informed me that the escrow was used to pay principle on the loan. They also said that could not happen without my permission. At no time during the refinance was it stated that my escrow account would be used to pay principal, and I gave no such permission to do so. I complained to the loan officer, and he stated that " the process requires the monies be posted to your principle balance ... ''. I 've never heard of this process. I had anticipated receiving the escrow refund.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
I just received an email with no contact information except for a gmail address of : XXXX for XXXX or advance America. There is no phone or other information. They are threatening in this email to contact employer and the sheriffs office. It also said I was notified in XX/XX/2015 and that they are accepting this as a flat out refusal to pay. I have no memory of doing any business with this company is a VERY long time. Almost XXXX yrs.

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 2016-12-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Diversified Consultants, Inc.
State: KS

Complaint narrative:
On XX/XX/2016 I called XXXX UVerse to cancel XXXX at XXXX, XXXX, KS XXXX. I was given cancellation confirmation number XXXX and a final payment confirmation XXXX and paid a final payment of approximately {$55.00}. The service was cancelled on XX/XX/2016. On XX/XX/2016 I received a call from Diversified Consultants, a collection agency, stating that I owed an additional {$150.00}! Diversified Consultants also told me that the " bad debt '' would end up on my credit report if a payment was n't made that day. Worried and fearful of damage to my credit history ( which is perfect ), I made the payment for {$150.00} over the phone using my credit card. 

On the same day, after reviewing my notes ( and discovering that I had received confirmation numbers for my cancelation of service and final payment ), I called Diversified Consultants back and asked for a refund because I had previously paid XXXX XXXX XXXX the final amount. I was told the {$150.00} had already been sent XXXX & XXXX there was n't anything they can do to help me. I then contacted XXXX XXXX XXXX and at first they claimed the charge was for unreturned equipment and later claimed it was an early termination fee. After looking into both issues, theydetermined the equipment was returned and there was n't an early termination fee.Eventually they stated theycredited my account back {$99.00} but would not refund me the entire {$150.00}. I have now discovered that XXXX XXXX XXXX credited the CLOSED account {$99.00}, and XXXX XXXX XXXX is now claiming that the {$99.00} can not not be transferred to my active home account! 

XXXX XXXX XXXX and Diversified Consultants have violated the FDCPA and I am demanding the full {$150.00} back from XXXX XXXX XXXX. I did not ever owe XXXX XXXX XXXX or Diversified any funds and the XXXX should have not have called me and threatened to hurt my credit if I did not pay debt I did not owe. 

I demand a full refund via wire to my checking account, or a check issued in my name. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been the victim of identity theft fraud for more than four years. Someone obtained my personal information for the purposes of fraud in XX/XX/XXXX and again in XX/XX/XXXX, when my car was broken into. The thieves stole my vehicle registration, a copy of my drivers license, insurance card and XXXX suitcases full of luggage. 

On or after XXXX XXXX, someone applied for XXXX capital one accounts in my name and proceeded to use it and pay the bill as if it were their own. I have reported this fraud to capital one on more than XXXX occasions and they have yet to resolve this matter. 

On or after XX/XX/XXXX, I spoke with the fraud dept at Capital One and they stated that both accounts were being removed from credit bureau due to them being fraudulently opened accounts. To date they both still remain on my bureaus. 


I want these accounts deleted from my credit file and I want Capital One to remove all negative information from their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 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: PA

Complaint narrative:
I have on my Credit report showing that XXXX XXXX is assuming that i owe them {$3100.00} and also i have a collection account stating that i owe Diversified Consultants {$3700.00}. I do NOT owe any of these companies any money. This needs to be ceased and dismissed. I will NOT being paying anything to these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Subject : Request for Information : copy of my abortive VA Loan application paperworkBACKGROUND : I signed and returned a VA loan application to the Lender, but the financing fell through in UnderwritingPROBLEM : I asked by telephone AND emailed a request a copy of my VA loan application that I signed and returned and offered to pay any requiste fee ; but I was told " ... The application was not completed so the information contained on the application you filled out would be a working document for us. The application would have been finalized at closing and you would have signed in there.. '' EFFECT : Because my credit request was not approved, I would not be going to closing and there would be no other opportunity to get a copy of these important documentsSOLUTION : I would like Lender to send me a true copy of complete loan application that I signed. XXXX Cited : RESPA, the Privacy act and Dodd-Frank, as applicable. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 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: GA

Complaint narrative:
Phone company is raising charges for this service, although it was disconnected

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I disputed a transaction on my USAA Master Card and they took charges off. They Merchant responded and they reissued him the monies even though I have resubmitted more evidnce showing substandard work and misleading representation to Emissions they will not take the monies off because they do n't have a letter from a third party even thought they have the problem on the receipt. They are letting XXXX XXXX XXXX get away with fraudulent business practices at my expense.

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