vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-09 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: VA

Complaint narrative:
I recently wrote and sent out dispute letter. I 've notarized, and certified by mail sent to Diversified Consultants, Inc. And I received the letter by mail and Diversified Consultants , Inc. refused to deleted inaccurate off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 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: IL

Complaint narrative:
I received a notification on my credit report that an negative item was placed in collections.I have never been notified by the agency that I owe them anything.My credit report say debt was reported XXXX XXXX 2016 but the debt was reported by a company named XXXX at that time who sent me a letter dated XXXX/XXXX/2016 saying they are no longer handling the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Diversified Consultants, Inc.
State: KS

Complaint narrative:
XXXX account opened by my wife & paid by her was listed as mine. Wife attempted to call XXXX XXXX DCI ( the third party collector assigned to the debt ), was hung up on numerous times when she asked my name be taken off the account, was told I was still responsible because we were married though she opened the account & paid bills with her seperate bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Last year I found out my daughter had some fraudulent charges on her USAA checking. When we initially opened the account she was a minor and the account was put under my name. Last year I was checking my accounts and noticed that there was a check deposited for around {$10000.00}. There were also XXXX charges to XXXX different XXXX for about {$3000.00} each. I immediately contacted my wife to cancel the card ( I was stationed in XXXX at the time ) and I called the USAA fraud department to file a claim. Over the next few days we waited for someone to get in touch with us to figure out what the problem was. During this time my daughter made a police report to the XXXX Texas Police Department. 

A few weeks after the fraudulent activity I noticed I did n't have full access to all my USAA accounts ( Car Insurance, Home Insurance, Credit Cards, and banking ). Once again I called to see what the problem was. That 's when I found out that USAA was holding my daughter and me responsible for paying back the funds. I 've pleaded to them numerous times about why we 're being charged for something we had no knowledge of. All the reps I have spoke with said my daughter was not the one who did the fraudulent charges, but somehow she was still negligible. 

Their security practices are terrible. My wife has been issued numerous bank cards because of security issues. My son had a fraudulent charge in XXXX when he was at college in XXXX. 

I 've been with the company for XXXX years and I 've never had any problems until I started banking with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
i never had this company sprint please removed off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 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: TX

Complaint narrative:
On XXXX I received a letter stating I owed Diversified consultants {$200.00} plus dollars for the same XXXX account that was with XXXX back in XXXX. ( see attached ). I sent a letter certified mailed to the following locations a XXXX XXXX and A physical address to XXXX XXXX. ( See Attached ). This company has refused to verify the debt owed according to the law. the reselling of an unverifiable debt. This collection agency has not verified this debt and they still continue to report to credit bureaus.My rights under consumer protection afforded by the FDCPA are continuously violated by this company. FDCPA Section 809 9b0 XXXX opinion letter XXXX from XXXX say this company would owe me {$1000.00} in damages.I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : XXXX XXXX XXXX XXXX ] ( XXXX ) The false representation of -- XXXX the legal status of the alleged debt and XXXX any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Repeated phone calls ( every single day ) using XXXX and ( numerous other of their company phone numbers ). I looked up each of their numbers and they all come from the same company & gt ; Diversified Consultants & lt ;. This has been going on for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
I contacted XXXX And disconnected service. I spoke to a lady who tried to convince me to stay. I told her no way, XXXX is awful. I started using XXXX. A month later XXXX sent me a bill. I called them XXXX times and complained. They then sent me to collections. I have just received a letter from diversified consultants inc. Stating they are trying to collect XXXX debt. I am not paying for service that I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: NJ

Complaint narrative:
I send XXXX dollars to XXXX to my brother-in-law in his bank account ( XXXX XXXX ) on XXXX/XXXX/2016 but money is still not deposited into account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
On XXXX I reached out to Action Collection Agency to resolve a debt on an old medical bill when I did n't have insurance for the amount {$790.00}. 

I have been working with a mortgage company to be qualified for a house that my wife and I have been looking at to be conditionally approved with a favorable rate the mortgage company requested the negative trade line be deleted to give me the credit score bump to cross that thresh hold to qualify. 

On a recorded line with Action Collection Agency we made an agreement that if I paid in full that the tradeline would be deleted. The women I spoke to asked her manager and she agreed to delete. The mortgage company faxed over a letter confirming what they told me. 

I waited a few days and the mortgage company called and gave me the bad news. I was not approved at a reasonable rate. 
The account was updated to " Paid Collection ''. 
1. This is not was what agreed upon with ACA. It was clear that it was to be deleted. 
2. " Paid collection '' stays on your credit file for 7.5 years barring me from a reasonable mortgage until that time. 

This had been a huge disappointment for me and my wife. We essentially had to turn down the mortgage offer on a house that we had fallen on love with after a several month process. I am a man of my word and I expect ACA to act with integrity and right this wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
This correspondence concerns a failed automated bill payment process with USAA Bank Signature VISA ending in XXXX. Please see the attached uploaded document for further details

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 2016-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
They are calling many times a day, weekdays and weekends, hours range from XXXX till as late as XXXX. I have answered the caller several time and tell them this matter has been disputed in writing and was sent via certified letter. I have also ask them to stop calling every time I have answer the call. Each agent making the call will then threaten to take me to court, report to credit bureau and get very rude on the phone. I have ask them to send the notice in the mail not by phone. They will not stop calling!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Usaa Bank is always putting holds on my funds on purpose so they can collect nsf fees and I 'm tired of it ... .. They have also rejected payments of my bills when I had the money in my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: National Recoveries, Inc.
State: GA

Complaint narrative:
I have called on several occasions asking for a reasonable payment option to pay my loans. My loans are only XXXX but as a single mom I could not afford the payment of XXXX a month to pay my loans without a hardship. My loans have gone in to default and they tarnish my credit because I am unable to get a reasonable arrangement.

Company response to consumer: Closed
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Capitol One XXXX credit card. The card became damaged and kept saying " chip error '' when I would use it so I ordered a replacement card. I never received the new card. Instead, I come to find someone broke into my mailbox, somehow activated my replacement card, and began using it. There were many charges made to my account however, Capitol One is saying I am liable for the charges made " in person with the physical card '' even though I did not make, know of, or authorize the charges. They just charged back my account with {$1000.00} in which are mostly from XXXX XXXX, XXXX and XXXX. I did not make these purchases!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-12 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
This my second time disputing this collection item. I file for bankruptcy XX/XX/XXXX and discharge on XX/XX/XXXX. This item originally XXXX was included in my bankruptcy. They are reporting it wrong. I file a dispute again XX/XX/XXXX & they responded within a couple of hours by marking flagged account for collections. No, investigation? 

CREDIT CONTROL SERVICE has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 
ALERT DETAILS Alert Date XX/XX/XXXX Source XXXX Company CREDIT CONTROL SERVICE Address XXXX XXXX, MA XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/XXXX Balance {$130.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
We rented a car from XXXX from XXXX/XXXX/16 to XXXX/XXXX/16 charging onto CapitalOne Credit Card. On XXXX/XXXX/16, XXXX sends me a letter stating we incurred speeding ticket while using their car and plans to charge my credit card {$110.00}. When I asked XXXX for a copy of the violation, XXXX refuses to send me a copy of the ticket for verification. When I contacted CapitalOne Credit Card to dispute these charges until I can receive proof of such violation, CapitalOne mailed me documents from XXXX claiming that XXXX had provided proof of the situation. However, the documents I received were car rental agreement plus a copy that is illegible. Still no documents/proof of XXXX 's Claim. Despite the fact that I faxed CapitalOne email documentation from XXXX traffic agencies in XXXX all confirming NO traffic violations exists based on the rental car 's license plate, CapitalOne considered this case closed and charged me {$110.00}. My repeated efforts to obtain a copy of the alleged traffic violation from CapitalOne and XXXX so I can verify the validity of XXXX 's claims were useless. CapitalOne rather help a XXXX XXXX XXXX to Scam me {$110.00} instead of protecting a consumer whom they figured wo n't be able to sue a credit card company. Laws need to be changed so consumers are not forced to waived their rights to sue a credit card company in order to obtain a credit card. WHAT A SCAM!!!! I will be posting this scam on social media ( XXXX, XXXX, XXXX, etc ) to alert all my friends to avoid CapitalOne Credit Card and using XXXX XXXX Rental unless these XXXX companies are willing to resolve this matter with me by sending me a legible copy of the traffic violation. After this matter is over, I will CANCEL my capitalone credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit account with Capital One has been restricted for some time, meaning I do n't have any available credit with them because I was late with a couple of payments at one point. Since then I have paid on time every month. I got my balance to {$170.00} as of XX/XX/XXXX. I received a bill statement yesterday showing they added a XXXX member fee. I contacted Capital One asked if they can waive the XXXX member fee as a courtesy, since I been paying them and have a restricted account with them. Again I 'm not able to use their credit card. I spoke with a customer service rep then a supervisor with the name XXXX. Supervisor XXXX said nothing she can do about it, I explained to XXXX that I called them last month explaining to them that I 'm currently unemployed and receiving unemployment from the state of California. Advice XXXX that I been paying them every month but that XXXX member fee is too much for me since I 'm on unemployment and have a restricted account. I explained to XXXX that if I had a active account with them I would understand the XXXX member fee. XXXX responded by stating that there is nothing she can do or anybody else. I asked for XXXX last name, she refused said they do n't give their last name. I asked if that is company policy, XXXX said yes. I advice XXXX that will be filing complaint, she said okay and ended call. Conversation took place on XX/XX/XXXX, at XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-05 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
on XXXX/XXXX/15 I sent a money transfer to capital one bank, XXXX, XXXX. we heard nothing from anyone until about XX/XX/XXXX, bank received information and that stopped the transfer. n asked for a letter to request the return of the funds that is attached. as of this time no money has been received back and they will not talk to me or give me any explanation. the money was for a business and due to them holding it it has caused great losses to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I requested verification of debt owed on XXXX XXXX, 2014 from XXXX , XXXX via certified USPS letter which was signed for and accepted on XXXX XXXX. 

XXXX , XXXX did not respond to the request and has now threatened to sue me and continues to harass me in person ; they sent an individual driving a XXXX XXXX sedan to follow me when I am walking my dog and constantly take pictures of my roommate and I even after we requested that they stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a few debt 's that are under my name, all this happen during my military career and I was not aware of such things going on. I have been getting call 's about this, I told them all. It 's not me, I was oversea 's in XXXX or living in a different state during that time. I decided to get a credit report and XXXX, that 's when I seen all this identity theft and debts that are not mine. I even called some companies, provided my information and was told that they do n't have anything on my, but it shows in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One took an unauthorized payment from my account for the amount of {$540.00}. my Auto payment is {$400.00}. they used my banking information and when I asked for it to be refunded it took 5 business days to have it returned to my banking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
We once had a XXXX XXXX account which was back from 2003, my wife remembers paying the balance off which was about $ 3k out of my bonus years ago. This company has been purchased by many different companies for example XXXX XXXX backed this account when we opened, then Capital One, then GE. We feel this debt was paid, we requested verification of debt, calculations and signed initial contract to make sure this is even our debt and nothing has ever been received. Not once were we called to even collect nor anything in the mail. The only time we knew there was an issue was pulling our credit which is now off because we disputed with the XXXX major credit agencies but this afternoon I received a XXXX claiming I owe and this company wrote off which we do not owe per our records. We need some help here. Please investigate and assist us, we have no where to turn to obtain some kind of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 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: CA

Complaint narrative:
XXXX XXXX aggressive debt collection became deceptive and dishonest. Resulting in incorrect negative credit report. 
XXXX XXXX deceptive collection activities allowed for a specified number of days to pay outstanding balance before sending the account to collections as per their billing statements. 
XXXX did not honor their disclosures and pushed my account into collections, resulting in the incorrect information reported on my credit report. I requested my service to be disconnected for the reason of going with their competitor. XXXX never closed my account and allowed it to run into disconnection for non payment. Once XXXX was advised they were in error, they continued to treat my account as a non payment, and the amounts were not correct, and have not been given a clear amount due as of yet. XXXX did send an adjustment amount, which I could not verify as valid. XXXX never advised me the account was going to collections, XXXX sent XXXX letters for demand of payment, both were for the wrong amount. 
Clear violation of the FDCPA 15 USC 1692e at the least. 
The closing bill was never sent, the account was never corrected from disconnection for non payment to consumer request to close and a accurate closing bill sent. Instead XXXX adjusts the erroneous inflated amount due to a lower amount and allows XXXX days to pay, without notice they send it to collection and way before the XXXX days were up as per their billing statement. XXXX was paid within XXXX days of receipt of the adjusted bill, which still is a questionable amount.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The last payment made on this Account was XXXX

Company response to consumer: Closed with explanation