vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-26 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: XOOM CORPORATION
State: NJ

Complaint narrative:
Hi, On the XXXX/XXXX/16, I hired a Xoom Money Transfer to take care of a international money transaction. here is what happened ; I loged in the Xoom Web Site and requested the money be deposited in the savings account to a person in XXXX ( PS : the savings and checking account are the same number but when making the deposit there is a option where you want the money, saving or checking ) and they made the deposit in a checking account. The person that was expecting the money called me right away when he got the message on his cell phone saying the money was in his checking account, immediately I got in touch with the Xoom Money Transfer saying the money was deposited in a wrong account ( checking account and not to the saving account as requested ) and they told me not worry about it because they was going to refund the money. The reason I request the saving account was because the person in XXXX owes money to the bank and he cant do any transaction with the checking acccount until he resolve the situation. A day after, the Xoom Customer Service asked me to provide an bank statement to prove the checking and saving account are the same number, traying to justify the error ( that sounded as something is wrong ) but again, the customer service attendent said not to worry about it, and another day is gone. Today XXXX/XXXX/16, after 2 days on the phone, basically all day long, they told me that probably their partner made a mistake, the transaction was to checking account and not to savings account and asked me to appolagize them but they could not do anyting. I got so up because I made businnes with Xoom Money Trasfer and not with their partner and also because I called them immediately after the person noticed the money was in wrong account and they could had the transaction cancelled in the same day. Now I m having hard time with the person in XXXX, he is asking me to make a new transfer. Ps. The Xoom Money Transfer customer attendent confirmed that my request was to make the money transfer to a savings account and them I asked for a copy of conversation records but they said is not allowed to provide the records. All I want is to ghet the money in the account that was required in firt time. I cant be responsible for somebody elses mistake. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
The USAA Federal Savings Bank stopped providing me with a " completed payment '' list on accounts processed through their USAA web billpay service displayed under the " Recent Payment Activity '' window. All pending payments, including the non-USAA accounts are listed, but the completed payments lists only the USAA accounts. The non-USAA accounts are not listed. The USAA web billpay service deducts payments from my USAA checking account. The failure to list all completed payments does not allow me to track all of my checking account expenditures accurately. This problem has persisted for over two months. I have made several phone calls to USAA to correct this problem. I have spent inordinate amounts of time waiting on the phone to talk with representatives only to receive trouble tickets that go unresolved or are ignored. I have not received any follow-up phone calls, emails or letters from USAA representatives regarding this issue. Trouble tickets issued : # XXXX, # XXXX, # XXXX, # XXXX ... From XXXX/XXXX/2015 through XXXX/XXXX/2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
This is a credit card fraud case beginning in XXXX 2016! I orignally reported the fraud charges to usaa in XXXX 2016! Total fraud charges of over {$3000.00} were added to my credit card balance due, of which {$26.00} were charges belonging to me! Most fraud charges have been credited to my balance due except {$670.00} which were transferred to my balance due payment for XXXX 2016. After reporting fraud charges I have repeat- edly talked to customer service, fraud dept. attempting to reach a conclusion and a " XXXX '' balance! A letter, e mails were sent asking for verification ( transactions ) of balance due! 
At this time usaa has not responded and the calls to c/s has been promises and no results!

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 2016-06-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
Represented themselves as a known insurance company online, was not aware until apetwork came in the mail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PMAB,LLC
State: AR

Complaint narrative:
Recently I visited an ER, and later my insurance company, less a {$35.00} deductible paid the bill. 

Yesterday, I tried to rent an apartment and was asked for a larger deposit, due to the recent tradeline placed on my reports by an unlicensed to conduct the business of a collection agency in the state of Arkansas, Professional Medical Adjustment Bureau. 

I obviously dispute the alleged debt, but was given no opportunity to dispute because this debt collector did not send to me, within five days of its initial communication to me, my XXXX rights under the FDCPA. 

In my circuit, reporting to a credit bureau is a communication to the consumer and considered debt collection activity. See, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( " '' The court has learned through its work on countless FDCPA cases that threatening to report and reporting debts to CRAs is one of the most commonly-used arrows in the debt collector 's quiver. Consistent with the view of the FTC-and consistent with the views expressed in XXXX, XXXX, and Semper-the court finds that XXXX was engaged in " collection of the debt '' in violation of XXXX ( b ) when it reported XXXX 's disputed debt to the CRAs before sending verification of that debt to XXXX. " ) ). 

XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( W.D. XXXX XXXX XXXX ( Reporting to credit bureaus is a communication within the FDCPA. ) ). 

Banks v. XXXX XXXX XXXX, XXXX WL XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX ) ( Rejecting the argument reporting to credit bureaus is not debt collection activity ) ). 

This collection agency has violated the FDCPA and the Arkansas XXXX, by failing to be licensed to conduct the business of a collection agency in the state of Arkansas, but nonetheless communicating with me through my credit reports and attempting to collect a debt from me via my credit reports. 

If this illegal reporting is not removed from my reports, I will file a private action in the United States XXXX for the XXXX XXXX of Arkansas. 

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I received an alert on my XXXX Credit report only to find out this this company Credit Control Services is on my credit report for XXXX which is a company that i have never done business with. I have not received any letters pertaining to this debt and they did not validate this debt. It states on my credit report that the debt was opened XXXX which is false because I have been with the same insurance company for auto for over 10 years. This was put on my credit report illegally and without contacting me. if they do not take this off of my credit report I will be forced to take legal action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I pay off my credit card bill every two weeks when I get paid to help improve my credit and make sure that I do n't fall behind in debt that I can not afford. Capital one placed a hold on my available funds for a week because I made more than one payment in a month. They said it was out of protection for me, however, I believe they are abusing their power and punishing me for paying off my bill before interest charges could accrue and compound.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Great American Finance Co
State: IL

Complaint narrative:
I received a call from XXXX XXXX at Great American Finance Company from the number XXXX at work a past due balance on a furniture bill that is {$110.00} and some change. I asked XXXX XXXX not to contact me at my job. He ignored my request and continued to tell me again that he was calling about my bill and that if I paid my bill then he would n't be calling me. I explained to him that I made a request for him to not call my job and the I will be reporting him to the FTC and XXXX XXXX 's office and his response was " do what you got ta do ''! He went on to say you should be paying your bills. I ended the call right there due to his harassment. He said XXXX blurb about the bill contents ; it was more so harassment due to me asking him not to call my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I filed a complaint about not being allowed to stay in my hotel room XXXX night while in XXXX, XXXX. I was clear that I was allowed to stay the other nights, but the final night I had to get another hotel because the security guard would not allow me to enter. I have repeatedly provided information about this to Capital One. They came back and said that I did check in to the hotel. I did, but was not allowed to stay XXXX of the nights. XXXX, the partial refund request XXXX the hotel refused XXXX. 

Once again, Capital One is asking for this same information. Their own contract says I am protected against services not being provided, but instead of doing that they are deliberately making me provide the same information repeatedly and trying to wear me down. I am tired of this. I just want the partial credit. They keep deliberately messing this up and confounding the information. 

Even when I told them to cancel the account because I am sick of this XXXX they refused!!! How can they refused to close my account? It just baffles me that they act this way. Where are my protections?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Regions Checking acct was compromised recently and about XXXX transactions took place within 3 day period that I did n't know about until about two days ago. I am in the process of buying my first home. I have been approved for a mortgage and I found a house and I have just wrote the first XXXX checks toward the purchase. XXXX for {$100.00}, the option period money. and the second for {$1000.00}, the earnest money. These are the first checks I have written out of this Regions checking account as well. Now that the account has been totally emptied my checks are going to bounce for insufficient funds, even though I called the bank to tell them about the frad, they said I could n't do anything untill all the transactions had posted to the account, and then I would have to go into a branch as fill out something and then it would take about 10 days for them to investigate the claim and after that I would have access to my funds again. The checks are going to bounce by then. Not only will I lose the house, bu the seller can sue me as well. 
I tried to explain this to the bank, and reminding them that if they followed the electronic transfer act that I was by law entitled to get the funds involved in the dispute put back into the account for my use while they investigate the claim. They wo n't do any such thing. They are not seeming to understand the seriousness of these XXXX checks. They said if they are returned then the merchant may represent them. Its not even that kind of transaction. This is to go into an escrow account to purchase a home. I ca n't seem to get them to move and even get started with the dispute. I am very angry and disappointed with the customer service and procedures this bank takes for helping people that have been a victim of fraud. I do n't know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one Credit Cards not in my name?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: LEXISNEXIS
State: FL

Complaint narrative:
LEXISNEXIS is reporting incorrect information on XXXX report. They are reporting my social security number, date of birth, driver license number associated to my wife 's claim for an accident, this is causing me to have higher auto rates for the claim my wife made on XX/XX/2015. They will not correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 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:
After viewing and being inundated by television and repeated direct mail advertisements from Capital One, I decided to apply for their credit card in order to take advantage of their supposedly generous mileage offer. Both my wife and I maintain an " Excellent '' credit rating. To my surprise, Capital One summarily declined my application and to date, despite my repeated requests, has failed and refused to tell me why. I suggest that their advertisements are completely fraudulent and that they do not operate in good faith, and I would like their so-called " hard inquiry '' removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I visited XXXX 's on XXXX/XXXX/2016 to purchase lunch for myself and a coworker. The bill came to {$11.00}, which I paid with my CapitalOne Mastercard. 
I logged into my online account on XXXX/XXXX/2016, and when reviewing and reconciling account activity, I observed a second transaction dated XXXX/XXXX/2016, also from XXXX 's, in the amount of {$17.00}. I double-checked my receipt and then placed a call to CapitalOne customer service to inform of the incorrect billing and to dispute the charge for {$17.00}. The female representative was distracted and repetitive. I clearly explained the nature of the dispute, and informed her that I could provide the receipt showing the correct amount. It took me numerous attempts for her to send me a secure link to upload the receipt. 
Two days later, I received a request to contact CapitalOne. I promptly contacted customer service again, where after another very frustrating conversation with a representative who was again distracted and repetitive, I became irritated. She connected me to a supervisor, who informed me that my previous dispute for an incorrect charge had been opened as a dispute for fraud, and that she must invalidate my card. After clarifying again that the dispute was due to an incorrect billing and not fraud, the supervisor placed me on hold for about 5-8 minutes. She then agreed to correct the previous dispute, but refused to acknowledge the previous rep 's incorrect actions, or take ownership of the clear need for training. 

This company needs to provide adequate training to representatives, and when an employee error is identified, to take ownership of how such an error impacts customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I had lost my job and therefor feel behind on XXXX payments. I kept up communication with Capital One and had just agreed to send them XXXX of the past due payments on the following Friday on top of already making that months normal payment. Less then XXXX or 6 days after speaking with them and the agreements being discussed they came and took my car with no warning. After they took my car they failed to follow many CT regulation and/or laws. An example is never sending me writen communication prior to or after the car was repossed. I found out the car had been auctioned, again no communication of the auction prior to, when I recieved a bill for the remaining amount. 

All of this has been terrible and hard to get anywhere in fairly resolving the situation. Now my credit report shows XXXX missed payments and that is simply not true along with other payment information they have listed on my credit report which is also false. I am devastated and if they had just followed the agreement I would still have my car and they would have there loan paid. I truly do not know what to do at this point. I have disputed the information with the credit agencies themselves as well as tried to resolve and communicate with Capital One. 

Please advise me of what I can do to right this situation. I do not understand how companies get away with doing business in a state and not follow the regulation and laws put forth by that state. Thank you for any and all assistance you may be able to give

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The desert is Kohls department store I have made several attempts with them to make an arrangement and apparently the arrangement was not set and they are continuing really calling me morning noon and night to pay a {$300.00} credit card. I had told him I will pay it and they still continue to call me all day and all night the latest call I received with the XXXX at night. And I have tried blocking them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My credit card was lost and then the new card was compromised from shopping online I reported the fraud to capital one but not realizing I paid charges that were not mine to the tune of almost XXXX over the months that I did not realize my card was being used not only by me but by someone committing fraud capitalone policy is that you will get your available credit back as soon as they finish there investigation I got my credit back last month I still have a {$3000.00} surplus on my account that is mine and they are refusing to refund it to me telling me that there is still an investigation going on my representive is named XXXX a totally nasty man who calls up and tells me that there was no fraud on my account because they did not go max out the card at XXXX XXXX I do n't know what criminals do I 'm not one I explained to him I just want the money due back to me that 's on my account it 15 days shy of there 90 grace period and no work is being done on my account there stalling because they do n't want to refund me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX continues to contacted me XXXX x consecutive times during work hours and told them to contact me after XXXX XXXX for a Capitol One credit card for {$330.00}. XXXX have failed to protect my rights so I am requesting them to cease and desist since they are in current violation of my consumer rights. 

Debt Collector Information : XXXX XXXX ( Representative : XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Ocwen Loan Servicing LLC, which services my loan, continues to violate the Fair Crediting Reporting, and Fair Debt Collection Practicing Acts, by failure to report the payment status of my mortgage loan, accurately. Consequently, I have suffered financial hardships in terms of declined credit opportunities and higher interests rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc.
State: FL

Complaint narrative:
They open a debt collection against me and my my credit and i have medical insurance

Company response to consumer: Closed with explanation