vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-11 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: FL

Complaint narrative:
I never got a bill from credit collection services. I have no idea who they are and I never had any dealings with who they represent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This complaint refers to a specific recurring issue regarding the manner in which Capital One processes payments. My due date to pay my credit card bill is on the XXXX of the month with no grace period. However, payments actually made on the due date incur a significant late fee because Capital One says payments made that day are " processed '' and then posted the next day. 

They claim a cut off of XXXX eastern time in terms of processing payments made that day. My contention, and I was told by the customer service person that this is a common complaint, is that if I make a payment on that date, whether it is early in the day or XXXX minute prior to XXXX, should be accounted for that day. Their policy, somehow written into the credit card agreement and no doubt buried somewhere in the mountain of fine print typical of cc agreements, is an absurd and egregious money grab. 

I asked that my credit card account and all billing issues be frozen until this matter was resolved and was refused. Also, credit card companies should be held accountable for these kinds of anti consumer practices. Some of us are smart enough to know that they have armies of lobbyists who allow them to get away with sticking it to us with crazy fees and penalties for the smallest mistake, but this is no mistake. If my due date is the XXXX and I pay on the XXXX, I should not be penalized regardless of their internal policy, accounting or cut off time. In fact, the cut off time should be moved to the XXXX to allow time for processing payments that were made on the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one has destroyed my credit and refuses to correct it. The payments has always been paid on time. Capital One attempted several times to withdraw funds from a closed account or from an account I did not authorize. I have tried to resolve this many times with management but was told every time a manager was not available and can only speak with a supervisor. I was also clearly told by a representative Capital one would resolve and this would not report negatively on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: AP

Complaint narrative:
I saw it on my credit report so i called the collection agency. On the phone i gave them my name and the amount of the debt. The woman replied with a last XXXX which was not mine and an old address which i moved from about 7 years ago. she also said the account was from 4 years ago. This is all looking very strange to me so i ask her for any information about the company in which she could only give me an account number and XXXX extensions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There is a judgment being reported by the XXXX major credit bureaus. I spoke with the collection agency and was told that the judgment would be completely vacated if it was paid. The amount owed was paid however it is still being reported on my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was told my son first year annual fee would be waived and the supervisor refused to waive it.shw claims would be in paperwork ... I tried to tell her not in paperwork because it was only for first year so it would shout annual fee after that..she blatantly would not help and waive few when we were advised it would b for first year

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
New Century Financial filed a judgment against me on XX/XX/XXXX at the XXXX. # XXXX. This judgement is now displayed on my credit reports ; XXXX, XXXX and is still causing damage to my credit. I was not served properly of this notice of judgement in XX/XX/XXXX. Second, I contacted XXXX on on XX/XX/2016 to set up a payment arrangement because XXXX Credit Bureau told me they are the owner of my account. After doing some research and finding this firm was Sued by CPFB for XXXX for making false false or empty allegations about consumer debts, Filed lawsuits based on unreliable or false information, Harassed consumers with unsubstantiated court filings which I am now a victim of. Since I filed a complaint with the CPFB ( Consumer Protection Federal Bureau, I just received a letter from them stating the they " previously advised, me that XXXX is the new owner of the judgement after being reported to CPFB. XXXX has now sold my account to another third party. XXXX is now telling me if I do n't keep my arrangement I will be responsible for addition filing and court fees. XXXX also states that they do not report judgements or law suits to credit bureau agencies which is not true.. 
I want this judgement removed from my credit report because I was improperly serviced, the number to the court where the judgement is filed does n't exist because I tried calling it to verify this information. Every thing about New Century and XXXX action does n't feels right. 

Therefore I am going to follow up with legal counsel about this matter concerning my legal right sue. Beside I am on XXXX with a fix income how would I be able to afford these outrages fees that these firm are forcing on me.

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 2016-12-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
this credit card was my credit card but someone also used this card with out my permition I called capital one they have told me that they are going to mail me staments which they have n't any please have then remove judgement and credit bureau since this a fraud in this account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I called Capital One last month to pay off my account in full. The customer service rep gave me a figure, I paid it and intended to close the account. This month I got a new bill, with the interest amount accrued during the billing cycle before I paid off the card. I have since paid this ( very small ) interest amount and closed my account. I believe the customer service rep should have provided the total of that additional amount due when I called last month, especially since I informed him I intended to close the account. In my experience, Capital One takes every advantage to squeeze fee income from its customers. It would n't surprise me to learn that not disclosing the accrued interest is a company policy, based on some behavioral economic or algorithmic calculation, to take advantage of customers who think their account is closed so that Capital One can impose a late fee over some piddly interest amount - in my case it was {$2.00}. Capital One will never again be in my wallet. 

PS : When I called the Capital One customer service rep this month to learn why I was being charged this additional amount, I also asked what federal regulator I should contact to complain about the company 's service. After putting me on hold for several minutes, she came back on the line and said she could n't find out what federal regulator I should contact but did suggest I file a Better Business Bureau complaint. Capital One customer service reps do not know the company they work for is regulated by the Consumer Financial Protection Bureau and can not tell a customer that - really?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-25 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I was not able to finance a car through CNAC without a co-signer. I purchased a 2006 XXXX for {$5000.00} above blue book value ( {$12000.00} before taxes and interest ) due to not having a credit history, with a cosigner. I made all payments and on-time, I was never late. I had a life crisis and took the car back and it was a voluntary repossession. They then let my cosigner buy off of the contract, which did not credit towards the debt, and then sold the car at auction for {$120.00}, leaving me to pay {$9000.00} on the car still. I ca n't believe that there is n't a law preventing companies from " screwing '' someone this badly. I was a responsible borrower who kept to the payment plan exactly and when disaster struck, I tried to make things easier for everybody by taking the car back before I moved out of state, just in case I would n't be able to make payment. Not to mention, they told me that if my situation turned to the better before it was sold that I could pick it back up and continue where I left off, and I was able to make my next payment, but they would n't allow my cosigner to pick the car back up for me before they sold it, due to " the person managing the account is on vacation. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX ; XXXX ; XXXX ; USAA issued me a credit card 13 years ago. On the anniversary of the card USAA sent me a bill for the renewal annual fee ( {$29.00} ). I had n't used the card in years ; it had a zero balance ; and I called the company and cancelled the card. The rep acknowledged that the card would be cancelled but that I had to pay the annual fee. The fee was prospective, not retroactive, and I objected to paying a fee for a card I no longer would have or use. They threatened to adversely affect my credit rating if I did n't pay. I think it 's an illegal fee.

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 2017-03-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted USAA to close my credit card account with a credit limit of XXXX revolving limit. Upon pulling my credit report on XX/XX/XXXX I was shocked to find the account still active. When contacting the organization, there is no answer to why it is still open. Nine months of thinking my account is closed, and there is XXXX now sitting out there as revolving credit. 

I feel this misstep, failure to close, or failure to listen to the customer not only benefited the company ; but placed a negative impact on my credit worthiness. According to my USAA website, thru XXXX, one of the four factors lowering my credit score was, " Your largest credit limit on open bankcard or revolving accounts is too low - XXXX accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The largest credit limit among all the open bankcard or revolving accounts in your credit file is low. Having higher limits gives you access to credit without seeking new loans or becoming overextended - which are triggers for higher risk. '' This reflects the card I thought was closed. Currently my credit report states {$45000.00} of credit, approximately 45.2 % of that is USAA 's card. 

This lack of accountability and systems that provide for customer protection and service is incredible. As a 26 year member of USAA, these actions only demonstrate their lack of compassion for loyalty. I request a written response to this, specifically laying out the failures within USAA. While I do not think I am the only one this failure happened to, I would be interested in how many accounts were delayed or failed to be closed that benefited USAA? This borders on fraudulent accounts utilized for increasing profits for the organization at the expense of the customer, in my opinion. 

Also, I filed a written complaint in XX/XX/XXXX against previous banking processes. I would like to know if this 'failure ' was repercussion for speaking out? Thank you for your time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 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:
i called in to open a checking account with USAA back in late 2015, whne i was told that i already had a account with them. I told the Rep that i have never opened a previous account with them, so she ask me some personal info to verify what she had on file. the info did not match so she changed it to my current info so who ever was using the account could not continue to use it. i later contacted the fraud department about the discovery conducted a investigation. they gave me a call about a week later stating that i a am still responsible for the negative balance on the account since the infomation matches. i told them that i just updated my info with a customer service rep eariler. i have been trying to resolve this for quite some time but USAA is cooperating at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I have a credit card through USAA and the Master Card payment can be done online. I made a payment and I was charged XXXX thus leaving me with a {$1900.00} and change credit which subsequently created an overdraft because I also have pulled {$6700.00} out to buy a truck. I have been speaking to several respresenatives XXXX, XXXX, XXXX, XXXX and a few others I can not remeber and still can not seem to get a hold of anyone who can give me a straight answer with realistic expectations. I 've ask to speak with management and was then transferred to USAA 's Executive Resolution Team who still couldn'y help. I asked to just speak with a manager and was told that was a 24 hour wait time, I suppose because at my point I 'm extremely irratated. I believe if USAA has the ability to accept an electronic payment or take money out of your account under their direct payment options, yet they claim they can not reverse the payment. So if an error is made regardless of the facts or situation, the customer will have to wait XXXX to 10 business days to be refunded the money. So fortunately I have savings, but what happens to the individual who gets this error and they do n't have money in the bank? {$1900.00} is many families two week take home pay check and USAA believes families can just skip a pay check! Worse during this process USAA has called " today '' and told me the card was compromised and has been locked so I can not even use the card to get the credit off the card. Lastly my bank charged me an over draft fee.

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 2017-01-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
We completed a previous dispute under XXXX. 
Complaint is about fraudulent debt XXXX that was taken out fraudulently and owed to USAA. Here are the facts of the case. We completed a fraud packet, provided police report, proof of address, identification and a complete history that we had about the fraudster and their address history from a XXXX report and continued fraud claims in victims name. Consumer has been disputing this with USAA since XX/XX/XXXX. XX/XX/XXXX, XXXX stepped in with POA to try to resolve. XXXX resubmitted all documents certified mail for consumer. USAA has acknowledged the proof of the fraudster and their history and and are aware that someone else is using their identification. USAA fraud has had file from XXXX since XX/XX/XXXX has been contacted 15-20 times by consumer and XXXX to try to resolve matter, to which their only response is, someone will look into this and call back. You are never provided any point of contact and often they leave you on hold for an hour. They never call back. They dont investigate and resolve the matter and the debt has been sold/resold to collection agencies. We had one collection agency dismiss debt, but USAA has failed to do so. USAA has had the details of identity theft and alll pertinent documents for more than a year and are violating consumer protection laws. They have failed to discharge the debt. Consumer is getting new calls from new collection agency about debt as of XX/XX/XXXX. USAA is failing to comply with Fair Debt Collection Practices and continuing to try to collect on a fraudulent debt they are supossed to be investigating. The debt remains on victims credit report and from what we can tell no investigation been completed. When the last CFPB complaint was last filled out they sent a Consumer Report Dispute form and we resent all the documents certified on XX/XX/XXXX. It has now been over 60 days and they still continue to report this debt and collect on it. This is not the first case XXXX has had with victims and attempting to work with USAA and the treatment has been the same on the cases.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA Credit Card Services notified my employer of 19 years, who as a result of the debt took legal action against me, terminating my employment. USAA Credit Card Services, made no attempt to contact me directly, before disclosing the debt to my employer, nor did they follow procedures to provide me the opportunity to validate the debt, before sensitive information was disclosed to my employer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Ria Envia, LLC
State: OH

Complaint narrative:
i need to transfert a money like international transfert money to XXXX to take a bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
I am called as many as 10 times a day, never leave a message

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
We got aa title loan from loamart in the name of XXXX XXXX and XXXX XXXX they gave us the check we cashedit they said the bill was due on XXXX XXXX and the tow truck came on XXXX XXXX and repo thethe truck when we was n't even late for the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 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:
Diversified Consultants is contacting me about a debt that I do not owe from XXXX in the amt of approximately {$640.00}. I moved from XXXX apt XXXX residence to another in XXXX. My current complex does not use XXXX for service. I returned all of the equipment and gave XXXX my new address to send me a final bill. As of today, XXXX as not sent me a final bill and Diversified Consultants is contacting me regarding this matter. The wo n't listen to what I am saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I called the bank. They told me I had fraud on my account, so they locked me out. I can not access my account funds to pay my Bills ( I even asked if I could just close the account ). Now every time I call they want to over authenticate me. I have told them that I would get on skype with them and show them my face and my ID ( Drivers license ) in person. I do n't trust their authentication methods to begin with because it seems that they failed to protect me when they where suppose to do so.

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