vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
In XXXX I refinanced my XXXX Mortgage Loan that originated in XXXX. I paid XXXX all required fees to complete this process correctly. Today I am selling my house and will lose this sale because XXXX failed to close the XXXX Loan once it was refinanced. The Closing Lawyer and myself have submitted the Lien Release request via email as instructed on this XXXX loan now in XXXX! Capital One took over XXXX. I went in person to Capital One. The only way to submit this request per Capital One is via email. I am not allowed to talk to a person! We will lose this sale which is suppose to close on XXXX/XXXX/XXXX because Capital One can not complete this request minimum 10 days to 3 months. The lawyer has provided the loan number and all necessary documentation! I can not believe with today 's technology that Capital One will not fix XXXX 's error within a timely manner! This should have not happened since it was suppose to be completely in XXXX and I paid all required fees and signed all required paperwork making it was done correctly. I am not getting any help or a person or person 's name that can help me with this time sensitive manner. The only response I get is an automated email saying they received my request! Capital One is not too concerned that the bank they took over collected fees and did not do the work. In other words they stole my money. Should they have legally provided services for something that was paid for and paperwork was done to complete the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
About a year ago my Kohl 's Credit card acct was hacked, I asked for a new account # and they refused, " that 's now we do it, '' they said they 'd lock my account with a pin. I had not made a purchase again until last week, in the store and no one knew anything about a pin after 45 min in the store with the store on the phone they removed the pin so I could make a purchase. A week and a half later my account was hacked again, and they still refuse to change my account number, even the police said they never heard of such a thing, how many times do I have to get hacked and inconvenienced? The only way they will give me a new acct is if I close it and reapply for another card, which will then go against my credit, this does not seem fair, that I should suffer because their fraud dept ca n't handle the fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XXXX/XXXX/2016, I called my bank, USAA ( XXXX ) to initiate a stop payment on an {$800.00} check for the reason that I had already made the payment over the phone which was significantly less than expected. The check was to be sent by USAA to a credit union ( XXXX XXXX XXXX XXXX ). According the USAA representative, the stop payment was initiated successfully. 
However, on XXXX/XXXX/2016, while looking at my account, the check in which the supposed stop payment was successfully initiated had indeed gone through anyway for the {$800.00}. This caused my account to go into the negative, and initiated an automatic {$400.00} cash advance from my credit card in order to cover the cost. I then called USAA to ascertain why the check had gone through even though a stop payment was initiated. I was told that the representative I had spoken to on XXXX/XXXX/2016 made an annotation on my account in regards to the stop payment but did not actually initiated it as requested. The representative then kept apologizing but told me that there was nothing they could do as the check had already cleared. So here I am left with a negative account balance and a cash advance on my credit card which could involve substantial fees and the only recourse I receive from a bank in which I 've been a member for almost XXXX years was simple apology for their mistake.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had a Capital One Credit card that was legally settled on XXXX/XXXX/2015 but is still being reported by Capital One to the XXXX national credit reporting agencies, XXXX, XXXX & XXXX. This account was placed with the XXXX XXXX XXXX, attorney firm, and was subsequently settled with the law firm. I have disputed this error both with the XXXX credit reporting agencies and with directly with Capital One, per the FCRA, but Capital One has arrogantly refused to correct their erroneous reporting. I have attached the settlement offer letter from XXXX XXXX and proof of payment, both of which were furnished to Capital One in my dispute with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS
State: IL

Complaint narrative:
My irs payment was not remove from my public records, When I went to purchase my home it pulled up in public records. Please remove out of public records attach you will find the proof. they remove it off my credit report but not public records

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i have to accounts XXXX is for captial one and the other is XXXX with XXXX and both accounts are closed i want the accounts off of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
This debt does not belong to me. I do not have an XXXX account. My business did business with XXXX for 15 years. I hade a dispute for Long-distance charges that were charged to our account in error, XXXX made a connection error on a remote-call-forward causing a {$.00} charge for every call placed to the remote call forward connection. The service was there specifically to avoid these charges. They made an error in it 's set up and the XXXX people that were in charge of billing did not understand the technical error the installation people had made. Due to the confused people I spoke with I was left with disputing the error over and over again. Now again, ENOUGH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
Here is the email I got from Cash Advance collectionfrom XXXX XXXXXXXXXXXX & gt ; Find Your Warrant Copy : XXXX which will be going to release on Monday evening XXXXThis is the XXXX final chance for you. 



This Legal Proceedings issued on your Docket Number XXXX with XXXX of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

This is the XXXX final chance for you. 
This Legal Proceedings issued on your Docket Number XXXX with XXXX of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 



CASE NO : # XXXXAmount Outstanding $ XXXXWe have sent you this warning notification about legal proceedings of XXXX XXXX, 2014 but you failed to respond on time now it 's high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished. 



Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.

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 2015-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MONEY SOURCE, INC., THE
State: NY

Complaint narrative:
I have submitted a workout package to The Source Money the servicer of my mortgage on XXXX/XXXX/15. After 2 months under review they are telling me that they can not do anything for me. I am a XXXX and I XXXX which left me XXXX from doing my job. I used my sick time, vacation time, but I have run out of it. My family is willing to help so I can pay my mortgage at least {$1200.00} per month for the next 3 months. After that I will be going back to work. The representative at the loss mitigation department XXXX XXXX is not helping and he is very aggressive. stating that it is not their problem if I can not make payment. I never planned to get sick while working. It is my full intention to keep paying my home. But I need some help. XXXX XXXX stated that because I have an FHA loan it is very difficult. I just need a break while I am getting better. I submitted them a copy of my doctor 's examinations that I am XXXX, I am recuperating slowly. Please help me. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Bepensa Capital, Inc.
State: MD

Complaint narrative:
Back some time ago XX/XX/XXXX or XX/XX/XXXX I went passed a car dealership called XXXX XXXX with my at the time boyfriend who was trying to purchase a car. I was going to help him out with getting the vehicle but was unable to due to my credit not being the greatest. They gave another alternative of putting a big lump sum of money down and to my knowledge he nor I had all the funds to even meet their requirements for the down payment or loan. I never recall setting up an account and if an account was set up it was definitely had to be his responsibility because I was told I did not qualify. For some years now this company has been harassing me with phone calls threatening to come to my home and job for payments. I even on several occasions have told them do not call my phone anymore because not only will they call and hang up continuously without even saying anything. Their tactics are way too aggressive and have also called my family ... my older brother who I have NEVER lived with or used as a reference, they have called his wife 's place of employment and left messages for me on her phone, they have contacted my step dad who lives in XXXX and I reside in XXXX, they have called my mother, and at times that they have done so I would n't even hear from them. They have left messages that if I do not call them immediately they will issue a summons for arrest following a court proceeding. I disputed this company with all XXXX credit agencies a couple years ago and they were removed off of all my reports except for XXXX, they are continuing to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
i HAVE XXXX ACCOUNTS FROM USAA THAT I HAVE RECEIVED AN XXXX FROM. YET THESE ACCOUNTS ARE STILL POSTED ON MY CREDIT REPORT. ACCOUNTS ARE XXXX AND 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 2015-08-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I called the general customer line. Stated that I wanted to cancel my credit card account. Was transferred to another person ( XXXX ) whose job is presumably to talk customers out of cancelling their accounts. Started off nice enough. She asked why I was cancelling my account. I replied that I did n't need the credit card anymore. She asked a few more probing questions before I finally told her that I simply wanted to cancel the card, my mind was made up, and that there was no way she was going to convince me otherwise. Her big " selling point '' was that closing my credit would negatively affect my credit score. She explicitly threatened that closing this credit card could prevent me from qualifying for a home mortgage loan or a car loan. I explained to her that I am attorney, I work for a bank, and that I understand how closing a credit card affects a consumer 's credit. She also explicitly stated that USAA was " looking out for [ my ] best interests. '' This is patently false. USAA makes money by keeping credit card accounts open. Still, for another XXXX minutes she refused to close my account. I asked to speak to her manager. She refused. I asked for her employee number. She refused. After another few minutes she finally relented and closed my account. The entire call took XXXX minutes. Should n't have taken more than XXXX. This whole exhange was expecially disapplointing because I have been a USAA member for nearly 15 years & have generally had positive experiences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CONDOR CAPITAL CORP
State: CT

Complaint narrative:
I had a car loan with Condor Capital Corp since 2012. Occasionally I paid my loan late but I was never late more than one month. By court order Condor Capital has been dissolved and my loan ended up in hands of ... That the problem. I do n't know who my current lender is. Condor 's website redirects me to blank, generic log in info. When I log in with my previous credentials I see my personal information but under account information there always is message : '' No accounts available to view ''. 
I repeatedly send emails to contact info and made multiple phone calls ( XXXX ) always answered by voicemail. Except XXXX generic response via email, none of my request was answered, including multiple requests for payoff statement. I mailed XXXX payment to XXXX XXXX XXXX under " Contact Us '' info ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). My check was cashed within 4 days of mailing form XXXX. There was no endorsement on the back and still no response regarding any statement, balance, account information. 
I really do n't know what to do at this point. I have no problem with paying for my car but since Condor Capital was shut down for defrauding its customers, I refuse to make any further payments without being able to oversee that the payments are being applied correctly and my balance is where it should after 3 years of payments. 
I would really appreciate your advice and help in this matter.

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 2016-12-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Enclosed is a letter I Sent to USAA BANK certified and registered. I sent it to the ATTORNEY GENERAL and as promised, I am sending it to the media. If you are in trouble or with USSA BANK and having same or similar issues with them from illegal stealing of account money, closing accounts and not telling you, keeping your insurance claim money, lying, refusing to call back on legal matters that FTC commission deems as bad faith or if you dealing with XXXX a CEO or XXXX XXXX XXXX XXXX at USAA BANK and want start a class action lawsuit against them call me, if you are FTC or a regulator or an attorney please call me, I have more than enough proof on every department of USAA BANK as being theft related, also USAA BANK better remember one thing clear, they do not have stock holders are not federal, and claim the members are part owner, so if that is the case, WHERE IS MY MONEY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
The company said they mailed forms to me a post office box address which I never had. when I became aware of the issue in XXXX 2015, the representative asked me questions about the account and VERIFIED that the information on the account did not match my address, email and phone number. So she advised me to update my personal information so whomever opened the account would not be able to access it. The Rep. gave me a address in Georgia which i never was a resident of so I gave her my current address which was XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX. The date that account was open, I had no access to any kind of communication due to the fact that I was in basic training for the XXXX which I sent in the info the USAA proving that I was n't able to open a account. A couple months after I initially became aware of the account, I reported it to USAA fraud department, who said that my address and contact info matches which was XXXX XXXX XXXX ( The address that they updated not the original address used when the account was opened ). I do not believe that I should be liable for a account I was n't possibly able to open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
i received an email offer from USAA that stated if I setup direct deposit of XXXXand it totals XXXX or more o would receive a XXXX cash incentive XXXX. I accepted the offer prior to the deadline but it would not work correctly on the website. XXXX I called and spoke with several representatives and was told that there were issuew with the website. So I explained to the rep what I called for and I was INFORMED THAT DUE TO ME ALREADY HAVING A SAVING ACCT with them that I do not need to setup a new checking acct I can setup my direct deposit to my current savings acct and I would qualify. The rep assisted me in setting up the direct deposit. I called back a few days later and spoke with a rep and they confirmed that everything was setup correct and I am qualified for the incentive. When I did not see the deposit at the time I was informed it would be in my acct I called the bank that then I was told I do not qualify for the XXXX incentative. 
I have spoke with over XXXX representatives about this issue and no one wants to honr that I was given incorrect information and that they should honor what was told to me. I asked the representative can they pull up the recorded phone conversations and all of them stated that they have no way of retrieving the conversation. I am not the only customer with this issue of being told incorrect information. If you look at there XXXX Service Board there are other individuals that are upset about being given incorrect information and not receiving there XXXX dollar incentive as promised

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I am a member of USAA, and have been for over 3 years. I recently was forced to obtain a new chipped debit card, and since I have received it there has been too many problems to count. USAA is placing fraud holds on my account multiple times per day, requiring me to call them repetitively daily after most of my transactions. I have asked is this hold being placed manually or automated, and was told it is automated. The last straw was on XXXX/XXXX/2017, I made a few purchases, and my car broke down that morning. I have kids and work, so I needed a rental ASAP, when arriving to enterprise they tried to process my transaction and it declined. I then called USAA and stayed on the phone with them over an hour trying to fix the cause of the problem, which they stated was because of the transactions, I placed earlier being fraud. I told them it was me, and when the card was reactivated enterprise said they could n't use my card any more because it was declined. I then had to transfer money to another account, and pay USAA a XXXX transfer fee. Even though this whole issue was their fault. I then later needed to pay my mortgage on that day, and when trying to pay it online through XXXX, was declined again. I called USAA and was given the run around for about an hour, after all the hassle they still did not help me. I was unable to process my transaction, causing another fee with my mortgage company. I think it is a disgrace when someone has the money in their account, and in times they really need it are constantly being blocked because of a flawed automated system. I have never been with a bank that blocks my card after use like this bank does. I should be able to access and spend my money any way I wish. This is a problem for me because I handle alot of bill paying online, as well as other transactions. I have to call them at least 2-3 times a day since I received this new card to reset it because it keeps saying fraud.

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