vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
Please be advised on XX/XX/XXXX2016 I sent Springleaf information Pursuant to XXXX. ( a ) ( XXXX ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Springleaf! Springleaf has not provided any documentation as outlined in XXXX. ( a ) ( XXXX ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( XXXX ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( XXXX ), the person that provided the information in dispute to a consumer reporting agency shall -- ( XXXX ) conduct an investigation with respect to the disputed information ; XXXX XXXX XXXX review all relevant information provided by the consumer with the notice ; XXXX XXXX XXXX complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section XXXX ( XXXX ) ( XXXX ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ( XXXX ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( XXXX ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( XXXX ) modify that item of information ; XXXX XXXX XXXX delete that item of information ; or XXXX XXXX XXXX permanently block the reporting of that item of information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I never received a notice of this debt or right to dispute from the collection agency. I attempted to settle the debt for a smaller amount, but my settlement offer was not accepted. The original creditor appears to be XXXX XXXX, but I have not had insurance through this company for several years. When I ended my coverage through XXXX, my account was paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One is reporting wrong on the date of last delinquency. I was like Capital One to show a record of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
CFPB Complaint USAA Mortgage USAA is referred to herein as the " lender ''. 
All agreements to transact real estate were made on the basis of a 15-yr 3.0 % mortgage with 5 % down payment as approved in the prequalification process with USAA. When lender later disqualified the applicant, the only options given to the applicant were 30-year terms and interest rates near 3.75 %. In addition, the lender then enforced a 10 % minimum down payment. 
Central to this complaint is that the lender baselessly ( or without disclosing the basis ) disqualified the applicant 's rental property income ( $ XXXX/month ) while using the rental property 's mortgage ( PITI = $ XXXX/month ) as a debt in calculating the applicant 's Debt-to-Income ratio. The disqualification of this income is not a FNMA policy and the loan processor could not state the basis or origin for this decision. Upon this news, the applicant tried to remove himself from the USAA loan and change lenders on the sales contract, but this was rejected by the Seller. 
As a result in order to get the 15-year mortgage, the applicant now has to refinance with different lender in order to receive the negotiated rate and term, but now must pay all closing costs again. 

The complaints are summarized as follows : 1. Prequalified the loan applicant for a loan product for which he was disqualified after entering into a sales contract. 
2. Initially given no interest rate option that did not include points. 
3. Enforced a minimum down payment by virtue of the property being considered a condominium, even though it could be legally considered a single family detached property. 

Proposed remediation Refund all closing costs from the USAA mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called CAPITAL ONE/SAKS XXXX many times since XXXX on XXXX account # XXXX opened on XXXX Today XXXX ID # XXXX claims that she & manager insist I call the Social Security office as it their fault for the ill acts of CAPITAL ONE SAKS/ EQUIFAX XXXX XXXX IDE # XXXX stated several times that she does think the social security office is at fault for issuing social securities if they did not issue social securities credit bureaus would never make mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On or about XXXX XXXX, 2016 I went to Capital One bank branch at XXXX XXXX XXXX XXXXXXXX NY XXXX and submitted a request for cancelled checks indicated by check number. To date I have not received them. I need these in order to verify that payments were made to an estate or I will have to pay again if I can not provide cancelled checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
I purchased a vehicle from XXXX in XXXX 2016 and I had a deferred down payment for {$800.00} and then I started making payments biweekly from day one. I noticed that my principal balance did n't change after the initial XXXX payments, I called XXXX and was told ( after talking to a few different individuals and different stories ) that the first XXXX payments were interest only payments and when I ask was this is writing, the lady told me, " it should be ''. I reviewed my loan paperwork and I did n't see anything even close to this notated in the contract. So at this point, I would like to see what I can do to resolve this issue or go after XXXX for False advertising.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I have paid Capitol in full XX/XX/XXXX, the negative information for XXXX XXXX & Capitol are not mine. The XXXX County civil claim may be from XX/XX/XXXX it was settled by court. It was XX/XX/XXXX so it is the only account aware of.If reinstatated. I was never notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
XX/XX/2014, our dear friend XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, ar passed away. I have been trying to resolve her HELOC in a manner to preserve where her ashes and the ashes of her dogs were spread. I have been in contact with XXXX XXXX at USAA and she very rude and unsympathettic. To get to my point. We have been in negotiations since XX/XX/XXXX or XX/XX/XXXX and the best offer to date from USAA was XXXX on a XXXX HELOC without a first mortgage. After I countered their offer and sent numerous letter, made numerous phone calls and even faxed my counter offer, they claim in each instant they did n't recieve anything. Finally they recieved my email with the best offer we could afford. They then removed their offer of XXXX and now they want the full amount. We were working with them in good faith on our deceased friends behalf, trying to keep the land she loved. We have spent over XXXX cleaning up the property not mention the XXXX this bank has cost us in legal fees simply because they skirt the issues and transfer your call, make you wait hours on the phone and claim to never recieve your information. This is outrageous and unacceptable. Either they help the military and ex military or they do n't but if they choose the later the need to stop immediately with their military advertisements. They have prolonged this far to long, let us grieve. Thank you.

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 2016-06-01 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
XX/XX/2015 I took out a {$2000.00} cash advance from USAA. I was told over the phone that once I pay off the {$2000.00} cash advance, that I 'd no longer accrue interest on that advance. I even called USAA credit card customer service today and asked them to explain how the cash advance interest accrual system works. The representative advised that once the balance is paid off ( {$2000.00} in this case ), the interest accrual will cease. I advised the representative that I 've paid off more than {$2000.00} worth of payments since the cash advance was requested XX/XX/2015 and wondered why I was still being charged interest if what he said was true. He then came back and advised that " after doing research '' it was discovered that interest on cash advances will only cease once the credit card statement balance is paid in full. The issue is that I 've had a balance on my credit card for years and USAA knew that when I requested the advance and failed to disclose that over the phone. I feel cheated. This is obviously a UDAAP violation ( unfair deceptive act and practices ). Now I 'll be paying interest on the cash advance for years. To top it off, I requested the cash advance papers I signed to confirm the small print that they disclosed this and the representative advised to look for it on USAA.com ( but failed to provide an exact path to locate the documents ). I feel cheated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bepensa Capital, Inc.
State: MD

Complaint narrative:
I sent a letter however, got no response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX d/b/a XXXX XXXX XXXX XXXX '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I enrolled at the University XXXX in XXXX and finished by degree in XXXX Navient had said my loan % was going to be 1.75 % but when I started paying it back it was 2.25 %. When I called them they said I had been late on one payment and that I had to pay the higher rate. According to my records I was never late on a payment. When I contacted them again later they still were not willing to lower my percentage. I have paid on the loan for over 10 years. I had borrowed of {$30000.00} to finish my college.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
XXXX customer service on chip XXXX XXXX affinity cards with chips disputes overdrafts interest rates and credit lines and crime victims of identity theft tied to other affinity cards like wounded warriors and XXXX XXXX XXXX XXXX and XXXX XXXX venture when ofac deposit bases are concerned

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 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: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I cancelled ALL of my wireless services with XXXX XXXX XXXX XX/XX/2014. I paid all of the early cancellation fines. XXXX XXXX XXXX, for some reason, left one of the accounts open. I called the following month after receiving another bill and they said they could not explain why and said I was responsible for the extra months payment. I refused and they refused to budge. They turned it over to collections. I DO NOT OWE THE MONEY. I refused to be bullied by them and will fight as a matter of principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
XXXX - Diversified {$250.00} collection from XXXX XXXX account. Never new until popped up as delinquent on credit report. I had Moved apartments as of Court order XX/XX/XXXX. I had notified XXXX XXXX XXXX from XXXX XXXX and am set up to use XXXX XXXX. Apparently I was set up with a new account and my account stayed going at old Apartment. XXXX has made it clear they are sorry and have helped out with discounting services already. They unfortunately have their hands tied with removing this, being it was sold to Diversified. They have given me a notice with the Name of '' XXXX XXXX '' and a balance for XX/XX/XXXX & XX/XX/XXXX. Yet I have explained in every phone call and mail in attempt and yet the same response is given. 
ANSWERS : Phone : They will look into/investigate the claim and Ill hear an answer in the mail. ( which is the XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ) Mail : No response What so ever. I have had to call after waiting 45+ days. Then the routine starts all over with me calling in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
Last year my husband received orders to move to another state. I decided to use the SCRA and submitted the documentation a few months after moving. USAA, a company dedicated to serving service members " noble mission of service '' refuses to apply the Service member Civil Relief Act to my credit card account because I took my husband 's name off the account my a few months prior to submitting the request. My husband was on the account the entire time the debt of the card was incurred and therefore the debt is jointly ours. We are legal residents Maryland and although Maryland is not a community property state it is an equitable property state. So regardless, we are married, it 's a joint debt. I requested review all the way up to the highest level explaining everything and each time they denied the request to apply the SCRA and reduce our interest rate. Almost a XXXX later, I was told to add my husband back on the account and re-submit the request. The representative told me to do this, but then it was still denied, saying he was added after he went on XXXX. The Servicemember Civil Relief Act 527 section 207 a ( 1 ) of the statue, " An obligation or liability bearing interest at a rate in excess of 6 percent per year that is incurred by a service member, OR the service member and the service member 's spouse jointly. It does not say, with both name on the account at the time of request. All of my other creditors applied the interest rate reduction and most of those, my husband was never on the account. I find this unacceptable and I am certain a case can be made that USAA is in violation and is failing to apply the SCRA in accordance to the statue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
The closing for my home at was supposed to occur XXXX. The paperwork was submitted to the lender XXXX XXXX or so, but we learned yesterday that the lender -- iMortgage of XXXX, FL -- did not send the buyer 's package to underwriting. This has indefinitely delayed the sale of our home. We have had to cancel utilities, movers, caregivers, and has cost us XXXX of dollars in fees as a result. When we asked XXXX XXXX -- the man responsible for this mistake -- to rectify it by rushing the package, he said, " These things take time. We are just understaffed. I do n't see what the problem is. '' We noted that he had time -- months. He then said that the loan officer responsible for the file quit in XXXX, and no one bothered to check her email to help the clients with whom she was working. He then refused to take any phone calls or emails from us or any of the realtors involved, updating us on the process so that we could reschedule movers, etc. When he finally called us back after repeated attempts to contact him, he said he would not be able to close us on XXXX. To clarify, what has happened is not just that his company failed to process the paperwork for the sale of the home ; rather, iMortgage failed to determine if our buyer is good for the loan! This means, not that the closing may be late, but that it may not happen at all -- which will result in the loss of the home we are buying as well -- a XXXX dollar transaction gone awry. The lender has also asked us to extend our closing date past our lock rate date. Our mortgage lender has told us this will cost us {$1200.00} ( to lock the rate we secured sixty days ago ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: NV

Complaint narrative:
I am very happen with the statis of a refinance on my FHA loan throughLoan Depot, applied XXXX XX/XX/XXXX and in XXXX told my wife 's XXXX hadexpired and needed to renew it! I had my original loan in XX/XX/XXXX and cardwas already expired XX/XX/XXXX I was told by my rep, I did not have to makemortgage payment until XXXX, it was adjusted in new loan! ( this was onhis cell ) not recorded ). XXXX XXXX card was renewed and told it was inprocessing and then on XXXX XXXX, I was told can not get loan, due tomissed payments! Contacted FHA and no help! I feel I should not beblamed in this case and loan should be reinstated! I did all they wantedand closed my accounts to be paid off and now have destroyed my creditand financial in ruin! It seems the laws are not to help anyone in need, retired, on social security, to be taken advantaged of!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
In XXXX I called a loan originator at USAA to get pre-approved for a VA home mortgage loan. During that phone call I thoroughly explained that I had, at the time, worked for my current company for 1 year and 3 months. I also explained that I am paid an hourly rate on a guarantee of 70 hours a month, unless I work more, then I am paid for the hours I work ( which is on average around 85 hours a month ). Based on that information, the originator pre-approved us for a certain amount under the income of about XXXX pay hours a month ( my actual income ). We then used that pre-approval to find a house and sign a purchase contract. After signing the contract, we then moved forward in the purchase process by both moving forward with USAA in the loan process and having inspections done on the house ( totaling {$430.00} ). 

After submitting all the required documents to a loan processor, the loan went to underwriting, where it was denied. The processor tried several submissions, but each came back with the same denial. The reason behind the denial was that they could only use the guaranteed amount, since I had not been employed with my current company for at least 2 years. This is a basic VA mortgage loan rule. As a result we had to back out of the purchase contract and the house went back on the market and was then sold to another home buyer. 

I feel that since this is such a basic VA rule, the loan originator should have known it, and should have based the pre-approval the guaranteed amount, not my actual income. Had he done so, we would not have signed the purchase contract, and, more importantly, not have done the inspections on the house, which cost us {$430.00} out of pocket. Therefore, I believe that USAA is responsible for the loan denial and should reimburse us for the inspections fees, but they refuse to do so.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-30 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclay 's ( who holds my XXXX credit card ) wo n't let me access my account and they refuse to send me statements showing what I have paid them. I sure would like to know what my balance is. I 've asked repeatedly for copies of statements. ( They seem to think that since I was Discharged from bankruptcy about five years ago, long before I had any balance with them, that they can retroactively now deny me a copy of statements showing the credits for what I have paid during the last few months. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief