vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I submitted a letter on XXXX/XXXX/16 to all XXXX Credit bureaus asking them to verify and validate debts listed on my credit report not only did they not verify some of the accounts updated on my report as if they are still active. XXXX keeps falling off my reports then reappearing saying I owe XXXX dollars to capital one but they have not responded to my request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My wife has a Capital One Platinum card. {$5000.00} credit. She quit using the card in XXXX, after she retired. The last time she used was for a dental appointment which almost maxed it out. Since late XXXX we have been paying on it monthly with out fail between {$120.00} to as much as {$200.00}. All of this time the principal was creeping up by a few cents. As of XXXX XXXX XXXX we have paid {$12000.00} on the bill and the balance had come up to less then {$500.00}. I finally realized that that did not look right and contacted Capital One and was given the story about interest verses balance. But when I pointed out that we were not using the card they said it made no difference and ended it there, but the balance did jump from under {$500.00} to {$890.00}, still far less then the almost {$13000.00} we paid out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 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: CT

Complaint narrative:
CCS sent a letter stating I owe XXXX to XXXX, the policy cancel date shows as XXXX/XXXX/2015. The correct date is earlier, it appears the rep I spoke with chose to put a future cancel date of the XXXX instead of the day I called in. I do not owe XXXX, I thought I had money coming back to me. I no longer own the vehicle, it was sold prior to XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
New Century Financial services, with XXXX has put a default judgement against me in a civil part court, for a debt I have daub is even mine, they levy my bank account money and my motor vehicle writ to take away, I 'm sure that I do n't owe any debt to them and they are harassing by doing so, I need help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
The COAF loan went into a charge-off situation. They mailed me a settlement offer on XXXX. I did not have the funds available to take advantage of it. On XXXX I sent a letter and check for {$1100.00} with a settlement letter. They cashed the check, yet left the {$8900.00} balance on our credit reports. We have gone back and forth for months until COAF, XXXX XXXX send us a letter saying they would accept the payment to settle this on XXXX. Except COAF is still posting the {$8900.00} balance? Will this nightmare ever end?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was notified on XXXX/XXXX/2017, that due to me using the overdraft protection that capital one 360 had decided to close my account. At that time. I explained to them that I had a direct deposit coming into the account. They said no worries that as soon as the deposit came in for me to call and they would transfer the balance to my. External account with the credit Union. today is XXXX/XXXX/2017 and I still have not received my money. I call every day and im rudely told that it will be there the next day and as of yet it has not happen. I have been inconvenienced to the highest level. I need my money as I have requested!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: LD Holdings Group, LLC
State: TN

Complaint narrative:
Loan depot called me, at work, and said they were calling me regarding my inquiry online for a loan for property located at XXXX XXXX XXXX, XXXX, Tn. I explained to them that I have n't applied, inquired or anything else for a loan. He said the request came from email : XXXXXXXXXXXX. They called me last week also but did n't give me any information until today. What do I do next?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau Services, Inc.
State: SC

Complaint narrative:
My wife went to the hospital to have XXXX. Although her insurance is in my name, the financial responsible person is her. I 've explained this numerous times to them. In doing a little research, this company is notorious for their terrible collection practices. They lied to me to get a judgment on me by telling me they were helping me. There are XXXX accounts showing up on my credit report and all of them are very small except XXXX and all are my wife 's not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
My bank has been letting XXXX companies take money from my account since about 2011. I have been telling them both via their website and over the phone that they need to stop the transactions from happening that those were n't from me. They have n't done anything till as of late they credited my final deduction on XXXX XXXX. They are now passing me around the bank and doing nothing for me as far as the past due amounts. They pass me around and I have to explain the entire story again to a new person every few days. I can only see 90 days into my bank history so I ca n't get exact dates. The XXXX companies charged me every few months. My bank has yet to do anything really other then pass me around in hopes I 'll get tired like they have done in the past. But enough is enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau Services, Inc.
State: MT

Complaint narrative:
Received letter on XXXX/XXXX/16 from Collection Bureau Services Inc. Attempted to call them with no answer. Original creditor XXXX XXXX was listed, I contacted them and they said the debt was not in my name. Upon contact with Collection Agency was informed the debt belongs to my EX husband, informed them that we were divorced numerous years. Collection agency requested copy of dissolution degree to fax number XXXX, sent requested documentation on XXXX/XXXX/16. On XXXX/XXXX/16 this account is listed on MY credit report in collections!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I applied for and was approved for XXXX credit cards with usaa on the same day, XXXX Visa and XXXX XXXX. Usaa opened a second Visa account without my approval the very next day. I did not apply for this card and usaa has no record of the application. When I brought it to their attention they seemed to push me into just keeping the account which seemed odd. After I made it clear I did n't want the card they pushed closing the card. I was explicitly clear that I did not want the account closed because it would hurt my credit report. I wanted them to get rid of the card without it hurting me. Fast forward and they flagged the account for fraud and close it without my consent. Their was no fraud, they know it was n't fraud, and I believe they either made a mistake in opening the account or they purposely opened a new account without my consent. Me, I 've been saying all along that this feels very XXXX XXXX. Now I 'm locked out online for at least 48 hours. At least. With usaa that is a big deal because there are no physical branches. I need a resolution to this because I 'm the XXXX hurting for there actions.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Mortgage abruptly changed to a new Servicer ( from Imortgage to XXXX Mortgage ). My payments are automatically sent every XXXX via my bank. With the late notice, I did not have time to change the payment to the new servicing company. I called the previous company ( Imortgage ) -- to explain and request the payment be transferred to the new Servicer XXXX XXXX XXXX. Problem is Imortgage is no longer taking live calls pertaining to my account. I just get an automated message telling me they are no longer servicing my loan. Then the call disconnects. What can I do? I recently received a statement from the new Servicer XXXX XXXX XXXX telling me that my loan payment is late. When I called them to explain, and complain that they did not give customers enough notice, they did not seem to care. They told me to call Immortgage to 'figure it out '. Well, clearly Imortgage doesn '' t want to be bothered either. The XXXX rep I spoke to claimed to have made notes on my account ... but really not sure about that. Should I call my bank and stop payment? Or do I just wait and hope it gets worked out? I am SO frustrated, and really could use the advice. 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 2016-11-22 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Clear Debt Solutions, LLC
State: TX

Complaint narrative:
Continue to get calls at my workplace when asked not to! Also, leaving messages, or trying to speak to co-workers to try to contact me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Hello. I have a past due credit card account with USAA. I have been making attempts to contact USAA for the past XXXX weeks in order to settle this debt. I have yet to reach anyone about this. I have waited on hold for up to an hour to speak to someone and I 'm still unable to get through. I recently received my XXXX rating from the VA. I have been diagnosed with XXXX from being an XXXX in the XXXX XXXX serving in XXXX, XXXX. My experience took a very big personal toll on my ability to properly manage my finances and personal matters. In addition, I was caring for my father who was at the time, a XXXX patient. My father was receiving XXXX from a result from his condition. This income was being used to manage our shared finances. He passed away from his condition and the XXXX payments stopped. I dealing with my father 's death and loss of income, I was not in the right mind to manage my personal finances. I could not afford the payments on this account and it caused it to charge off. I have not heard from USAA in the last couple of years in reference to this account. Now that I received my XXXX rating from the VA, I also received a large payment from them. I immediately set out to settle my debts. USAA was the first company I attempted to contact but I was unable to reach anyone. I have since settled other debts and now I have a little under XXXX XXXX dollars to settle this debt. My intention was to settle this debt for a reasonable amount but now this is all that is left. This is very unfortunate since I had the ability to pay this off and USAA was the first in line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES
State: CT

Complaint narrative:
I had a mortgage with XXXX XXXX. With XXXX, I could set an autopay to come out on any day of the month I wanted. My loan was sold to Provident Funding. Provident only allows autopay to come out on one specific day of the month. I also can not schedule my current month 's payment for a specific day in the future. Now I have to remember to make my payments on the day I want them to come out, or I might get charged fees. This is definitely not designed in the consumer 's best interest and is a downgrade for me. I did n't get a say in the sale of my mortgage and now I 'm getting less functionality. 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 2016-05-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I applied for and was issued a credit card from USAA. I attempted to login to my online account and was unable to do so. I contacted USAA by phone and was informed that my account had been canceled. I was given no reason as to why it was canceled. I also received a letter from XXXX stating that they were adding a " Fraudulent Application '' note to my credit report that was instigated by USAA. I disputed the Fraudulent Application note and, after investigating the Fraudulent Application claim, it was unfounded and removed from my credit report. Legally, I should have been notified in writing within 60 days of USAA canceling my account with the reason for the account cancellation, I never received such notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
Earlier this year, I opened an account with USAA via online application. I opened the account with the {$25.00} minimum requirement. Beginning in XX/XX/XXXX I began depositing XXXX per pay period from my payroll deposits into that account since it was going to be my neice 's " savings '' account. XX/XX/XXXX, I went to withdraw money from the USAA ATM fo rthe first time and was given a telephone number to call after the receipt said can not dispense funds. At that time ( XX/XX/XXXX ) I called their CS XXXX requesting information on where my money was, which had only accumulated to XXXX and I was told that the account was put on hold pending eligibility. I informed them that I was indeed XXXX XX/XX/XXXX however my paperwork was in IL in a storage locker and I can not provide it. I was very upset because the account had been opened so long and I had NOT ever been contacted and now my funds were on hold, XXXX. I no longer cared to be eligibile - I want to close the account ( I saw this gap in communication as horrible service ) which I informed them, however the department that closes the account was closed at XXXX. On XX/XX/XXXX I called again and spoke to a member of the dept. who said my fund would be sent via check, expect it in 5-7 business days. By XX/XX/XXXX they had not called - I spent 2.5 hours being tranferred around their back offices and told a manager would call me back in 24-48 business hours. On XX/XX/XXXX I called back and basically accused of having untraced funds from my XXXX Payroll which is clearly stated in the account summary ( attached ) and asked did I ever serve in the military in an accusatory tone from the executive resolutions team and told he would submit a request to their back-office and " see if anything comes of it. '' The same back office who told me on XX/XX/XXXX there is nothing they can do. There is some condescending overtones and I just want my 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 2016-12-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I initiated voluntary repossession on XXXX vehicle loans with USAA. On Friday, XXXX XXXX I received my first notice that the sales had been conducted. The notices included the balance of the loans not paid by the sales. The notices ( XXXX notice for each vehicle ) told me to contact USAA by XXXX XXXX and XXXX to setup payment plans. I called on XXXX XXXX to do this. Again on XXXX XXXX, XXXX, XXXX and XXXX. However, USAA had already referred my account to collections! I 'm being contacted by phone and mail by their collection company, XXXX XXXX as of Friday, XXXX XXXX! 
I have made every effort to cooperate with USAA throughout the voluntary repossession process and just want to set up my payment plans. 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 2015-05-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
While searching for a Mortgage Lender to re-finance my home at lower interest rate and for XXXX years vs XXXX years, this company offered the best deal. They initially offered a 3 % fixed mortgage w/ no closing costs and a credit of {$400.00}. I was requesting a subordination of an equity line of credit and was advised that we could not lock in on the rate until the subordination was approved. As the process went on w/ normal delays, the rate went up slightly. I had already paid {$400.00} for an appraisal fee. When we were getting ready to finalized the process my mortgage banker told me that they would not be able to offer the " no closing costs '' option and said in order to continue I would have to pay approximately {$4000.00} in closing costs. At this point I decided to discontinue the process and go elsewhere. I can understand the rates going up but the offer of no closing costs took me by surprise and upset me. I went back to my current lender and they offered me a lower rate and closing cost option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
I had a credit card with USAA then they cancelled it. Acct no. XXXX was wondering what happened. Then I received a letter from Office of Personnel Management that my Identity had been breached, I have tried to contact them directly and through the Credit Bureau, But they say I owe some XXXX .... This is redicoulous

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
Debt collector never sent me a letter saying my bill was with them. I found out after calling XXXX to make a payment ... I had no written notice from anyone, and they never gave me the option to dispute it. Had I known, I would have disputed it. When i contacted them to resolve the debt, i then found out that they would charge me an additional fee on top of every payment I made. So I went back to XXXX and asked to pay them instead and made payments over the past year until the debt was paid in full. But in the meantime the debt collector, diversified collections inc, submitted the information to my credit report. All because I chose to pay XXXX to avoid extra fees. XXXX said because there was an error in reporting that they would get the account returned to them and ask to have it deleted from the report. But diversified wo n't comply. They said they will only update it, even though they no longer have the account and that it 's still active. 

Because of their unfair practices they have tarnished my credit. Now my chances to buy my house when my lease is up in XXXX 2017 will be slim.

Company response to consumer: Closed with explanation