vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Automated calls from " XXXX with Capital One '' calls my home phone excessively all times of the day, claiming that she can offer a solution to my credit problems. 
My XXXX account with them in not delinquent and is current, and has never been late or missed. 
I have called them XXXX to request my number to be removed. 
I am registered on the Do Not Call list. 
Most recent Call history from them:XX/XX/XXXX @ XXXX @ XXXX @ XXXX XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one opened up this new credit card in my name and ever since I put in XXXX fraud claim they close this account with no warrant or no issue I had put in a dispute for not receiving goods and they called them a credit line and a hold me responsible for a balance that I agree is mine but shut my whole car down they are repercussion on me because I reported XXXX cars that were not mine and now they shut this car down which I never reported was not mine this account is not fraudulent like the other XXXX by capital one is a terrible company and I will contact my attorney to see why they shut my card down that I support my XXXX-year-old grandmother on for her medication capital one are thieves that just shut your car down without notice I should n't have to pay for goods that I never received I want this investigated to the highest level

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
Kohls XXXX capital one ) Unlawfully reported a credit account # XXXX on XXXX that is NOT mine as social security numbers do NOT even match. Kohls XXXX capital one ) violated FCRA and state and federal laws and will be turned over to United States Attorney 's Office for criminal charges against Capital One and Kohls. As of today XXXX XXXX 2015 Kohls and Capital one owes me {$1500.00} for the FCRA volation and {$5000.00} for the punitive damages to my credit report and FICO score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
A letter sent to USAA Federal Savings Bank in XXXX XXXX, TX in XXXX 2014 was never responded to. Several bankers acknowledged receipt of the letter. After speaking to USAA, the letter was acknowledged as received and that they were required to respond. Numerous calls ( despite acknowledging receipt of the letter ) yielded no response. The banks user agreement clearly states that they will acknowledge receipt of a letter within 30 days and send a response within 60 days as either agreeing to it or denying it. To date no response has been received despite that this consumer is held bound to the user agreement if I do n't state otherwise. The purpose of the letter showed duplicate charges, late fees and fraudulent charges from the past not completely reversed. And some other issues concerning the users credit report.

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 2015-09-26 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: CA

Complaint narrative:
Diversified placed a XXXX bill on my credit reports with XXXX, XXXX and XXXX without first sending me a California XXXX FDCPA mandated dunning letter. California State law provides for written notice 30 days PRIOR to reporting to the previously mentioned credit reporting agencies. 

I have not had an opportunity to even see if the debt is valid. They never even sent me documentation. 

I disputed the item with the credit reporting agencies but they simply " verified ''. 

Diversified violated California State Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
Not long ago I signed up for a new bank account -- checking and savings -- with USAA XXXX. I 've had auto insurance with this company since active-duty service XX/XX/1980. I 've also had XXXX secured loans from USAA for about {$2500.00} that I paid back on time. Since opening these bank accounts, USAA has denied me a secured loan, and denied a credit card, also. My XXXX score is right on the line, XXXX, and my history of all mortgage and auto, credit cards payments, is all good for years now. Also, my primary bank XXXX, XXXX XXXX XXXX XXXX, recently approved a {$3000.00} credit increase to my XXXX XXXX Credit Card, based on my credit history with them. So USAA is wrong on this and I want this error in their judgment addressed so that I can justly receive a credit card with USAA. That is fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Advance America, Cash Advance Centers, Inc.
State: AL

Complaint narrative:
I filed bankruptcy in 2013, and added Advance America in the case and they continue to contact me threating to take action against me if I do not pay them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
XXXX changed our mobile plan 2 year plan to the Next plan without our authorizations, which caused us to be responsible for the cost of the phone should we want to upgrade or cancel our service.

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: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
On or about XXXX 2015, I found a negative reporting entry on my credit report posted by Diversified Consultants XXXX XXXX XXXX, XXXX, FL XXXX for a debt allegedly owed to XXXX. The entry showed that the alleged debt was reported in XXXX 2015. I called Diversified Consultants and asked why they did not verify the debt by sending me a letter as required by law. They claimed they did ; I did not receive any such letter and I informed them about it. I have since noticed that they have noted on my report with the following information " Account information disputed by consumer, meets FCRA requirements '', meaning that instead of correcting the report and sending me a letter to verify the alleged debt, they have suo motu decided that they were in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I purchased a car on Saturday, XXXX. I was pre-approved for a loan from USAA for a 48 month 2.5 % fixed rate auto loan. I went to the auto dealership, and they were able to offer me a 1.99 % fixed rate. I called USAA to see how to close out the loan I was pre-approved for, and to see if they could match or beat the dealer 's rate ( through XXXX XXXX XXXX ). The representative said since I had been in the XXXX, and I was a USAA member for 20+ years, he could give me a $ XXXX loan at 1.49 %. I was thrilled, and told the dealer I would n't use their financing. But when the representative from USAA told me the 5 year loan for $ XXXX would be almost {$500.00} a month that did n't seem right. After questioning the USAA representative he told me that there was a {$1200.00} origination fee for the car loan. This was not mentioned at the beginning of the process, and was far from transparent. That effectively added over 4 % to the interest rate, but was hidden as a fee. 
I 've been in banking for over 20 years, and knew enough to push back and ask questions. A brand new XXXX or a XXXX would not have known about the CFPB and what UDAP is. Perhaps USAA would have eventually clarified the fee and it 's impact to my loan. But hiding {$1200.00} on a $ XXXX loan is completely unacceptable. This materially changed the transaction, it was not disclosed, and it intentionally targeted military service members or former service members. I strongly believe this was an Unfair or Deceptive Act or Practice ( UDAP ). If this did not violate UDAP in the letter it definitely violated the spirit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: MB FINANCIAL, INC.
State: IL

Complaint narrative:
Our bank for decades ( XXXX XXXX, XXXX XXXX, IL ) was absorbed by MB Financial. Their online system does not provide the same service as the old system, which is okay, I can do things manually. However, I need my ( XXXX ) statements every month and they now want to charge me {$3.00} apiece to have them mailed to me. This is a small business account and comes to XXXX pages a month. How can they be allowed to hold my information hostage in this manner?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bepensa Capital, Inc.
State: AZ

Complaint narrative:
I surrendered a vehicle in XXXX of 2015. My balance was around {$12000.00}, and they sold the vehicle for just under {$5000.00}. With fees and interest, my account charged off and reported to my credit as me oweing a little over {$7900.00}. I decided to call them and see if I could pay a settlement amount to have the account satisfied. The customer service rep I spoke to, after over 15 minutes and several reps that could not find or assist me on my account, was very rude and kept telling me very incorrect information. She tried to tell me that my balance was actually over {$10000.00} due to the fact that the amount charged off, did not include any of my per dium interest accumulated during the life of my loan. I 've worked in the subprime lending industry and I know how simple interest loans work. But she tried to tell me that THEIR company charges the interest at the end of the loan, even though my contract did not state this AND my payment history did not reflect this. She tried to tell me that she would be willing to take off the {$2500.00} from the {$10000.00} she said I owed. This is an incorrect amount by my payment history, as well as the agreed upon terms in my contract. She was attempting to collect on a higher amount then what I owe amd lied to me on how their simple interest loans work. She refused to get me to a superior, stating she was the boss and there was no one above her.

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 2017-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have multiple accounts with USAA. ON XXXX/XXXX/17 USAA. On XX/XX/2017 I deposited a {$300.00} USPS Money order made out with me as the Payee into my Checking account. According to their Depository Agreement the funds should have been available with in 2 business days. USAA put a 7 business day hold on the funds. On the day before the funds would be released I had a balance of {$220.00} and an available balance of {$23.00}. At this time a {$30.00} ACH payment was presented. This would have caused a {$7.00} negative balance. My overdraft protection linked to my USAA Account Card was charged {$100.00}, but the {$100.00} was never deposited into the account, in direct violation of the depository agreement. At this time, I try to make a payment with my Checking Account Debit Card thinking the {$97.00} remaining from the overdraft transfer is in that account, but it is denied for insufficient funds. But, I ca n't use USAA Account Card because the {$100.00} overdraft transfer has been removed from it. The response from the CEO office 's representative was I ca n't help you, I 'll add it to the discussion list at our next meeting to see if something needs to be changed. Totally unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 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: GA

Complaint narrative:
XXXX has sold this account to Diversified Consultants, in return Diversified Consultants never sent a letter out this company placed this account XXXX on my credit report. If Diversified Consultants would have taking the time out and contact me then would have known the account was taking off my credit by Consumer Financial. XXXX was notified about the complaint and XXXX XXXX XXXX also knows this was taking off my credit. 
CFPB first complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 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: SC

Complaint narrative:
They call twice a day, everyday. I have told them I am a full-time student and unemployed. They claim to notate it on my account and say to call them if anything changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 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: SC

Complaint narrative:
The debt collection is erroneous and I do not owe any debt to them. XXXX never sent me a final bill as they had an address of a home I have never lived in. I was never called, emailed nor did I ever receive a physical bill. There was no way I could have known I had an outstanding balance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX XXXX Fraud & ScamSince, XXXX 2013 I have XXXX XXXX Services. I just Recently, Signed another 2 Years Contract with XXXX. I order XXXX Phone with Color of my Family. XXXX Phone Came in with right Colors and XXXX Phone wrong Color I called XXXX and ask them to Change the Color and Tell told me to Return the Phone to any XXXX XXXX we 'll send you the Right Color? Since then I Never received any Phone and My Service from XXXX Disconnected and They send me the {$660.00} Bill me to Pay. I called them Many time and Whenever, I come to the Point to ask Money Phone Automatically Disconnect. Scam already set to Collect Money with in1-2 Mins and When Customer Service? Or any other Services will take 1-2 Hours waiting time. 
Scam Set for Asking Your Phone ... Zipcode .... PIN # etc etc. When Representatives Pick up the Phone Ask you Exact same Question You Feed on the Call on Automatic Call. It 's take another 5-10 Mins. Then They Start Conversation? CAN YOU PLEASE GIVE US 5-10 MINS TO REVIEW YOUR ACCOUNT? 
AFTER SCAMMING ALL THESE NONSENSE QUESTIONS? LET ME CONNECT YOU TO OUR SUPERVISOR? Them it will take from XXXX waiting time. 
When you ask from Supervisor all these question? Why My account due for {$660.00} Dollars? And Why My Services Disconnected? OH SIR OUR SYSTEM IS DOWN? WE WILL CALL YOU AS SOON AS WE GET OUR SYSTEM BACK. When You call them Back and ask Them Why I did Not Received the Call from your Supervisor? They Hang-up the Phone. 
They Take Your Number and Never Call you Back. I have tried XXXX times and Finally Gave up! 
I Need to File the Compliant Against XXXX XXXX and Get my Full Refund from XXXX and Disconnect the Services and Keep my Phone Numbers and Join other Mobile Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: American First Finance, Inc.
State: CA

Complaint narrative:
Negligent, the dealer fraudulently signed contracts on my behalf to set payment dates. XXXX is the dealer and American first has done nothing to help me resolve this. I 'm taking XXXX parties to court for violating California XXXX consumer laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Clear Debt Solutions, LLC
State: NV

Complaint narrative:
This debt collector has gotten a list of employees at my job and calling them on their private phone numbers to tell them that he is trying to collect a debt from me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TH Professional & Medical Collections LTD
State: NC

Complaint narrative:
T-H PROFESSIONAL & MEDICAL COLLECTIONS LTD HAS PRESENTED ME WITH A FRAUDULENT BILL FROM A MEDICAL PROVIDER. I CONTACTED THE PROVIDER DIRECTLY AND THEY ADVISED THAT MY ACCOUNT IS CURRENT AND BEING PAID AS AGREED. THE MEDICAL PROVIDER ALSO INDICATED THAT THEY HAVE NO RECORD OF REFERRING ME TO THIS AGENCY. MY ACCOUNT IS CURRENT AND BEING SERVICED AS PREVIOUSLY AGREED TO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I have been receiving no less than three calls a day from the same company they never leave a message and when I try to call them back there 's no one speaking XXXX for me to talk to and I get hung up on. I think it may be someone who 's trying to collect for Debt but I do pay my bills. Also, I think that because of the incessant calling it must be a collections call but its ridiculous because they do n't even leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: AZ

Complaint narrative:
I got a call from a XXXX number claiming that I had won the XXXX prize of {$850000.00} and a 2015 BMW. I informed them that I was not in XXXX but was stationed XXXX. They then proceded to inform me that because of some XXXX law that I had to pay 1 % to get my money. Of course me being missinformed of things I took {$250.00} and sent it WalmartXXXXWalmart XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am XXXX customer and having a hard time to contact the customer service via a relay service several times, but they keep hanging up at me because of a relay service.

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 2015-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I can not get anyone in the company to respond to my repeated phone calls and emails.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
My unit is under a 5 year tax abatement program, so every year there is an abatement increase on top of the original tax amount, which comes in a separately bill. LoanDepot, my mortgage server did n't pay the abatement increase from my escrow account, and claimed they did n't receive a copy of the bill first. I sent a photo copy in early XXXX, and kept following up. However, only until today, after I call them, I got an answer saying that this increase amount is not their responsibility to pay, and they ca n't incorporate this amount going forward, either can they reimbursement me the losses occur. It 's been a month!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Reviewed my credit report and see that there is a medical debt that appeared on my credit report from Diversified Consultant. First, I do not have knowledge that I received notification of this debt to dispute the validity of this account. Second, they have an opening date of XXXX 2015 which has lowered my credit score. I have not been in the hospital or doctor 's office for several years. I need them to change the opening date to the date of service, but first they will need to send me a letter so I can review the validity of the debt.

Company response to consumer: Closed with explanation