vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAA promised they would not charge Foreign Transaction fees when they forced customers to switch from Master Card to Visa. They are now saying that this only applies to the credit cards. They have done a bait and switch and deceived customers. It is documented several times in USAA communities that there would not be Foreign Transaction fees for Visa cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
On XXXX XXXX, 2015, I logged into my XXXX Credit Card account to make payment. I could not access my online due to account being blocked from online access. I contacted XXXX on XXXX/XXXX/2015 regarding the message received. I was advised to send in documentation of my XXXX from the military. XXXX documents were fax to XXXX on XXXX/XXXX/2015, fax confirmation # XXXX at XXXX. Several days later I called XXXX to inquire of the status of those documents and was told that the documents had not been received. I faxed another copy of the documents on XXXX/XXXX/2015, fax confirmation # XXXX. I called XXXX Bank regarding the status of my reference account member # XXXX and was told by someone from the Executive Resolution Team that they did not know why the account was closed, as he could not see the reason. I requested to pursue this matter in an appeal process because I should know the reason why my account was closed. I have been a member of XXXX bank and have never had any issues with my accounts including making on time payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 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: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
After I have told them to stop contacting me, they continue to do so multiple times throughout the day. The call my fathers cell phone as well and were never authorized to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
Diversified consultants has, on numerous occasions, contacted my minor child on HER phone regarding an XXXX XXXX XXXX bill that was past due ( and subsequently has been paid ). The XXXX time they called her ( during school ), I called them back and gave them my phone number ( STILL do n't know how they got her number ) and told them not to contact my minor child again and to remove her number. Since then, they have called her at least XXXX times. The bill has been paid and they 're still calling her.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 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: PA

Complaint narrative:
For the last few months I have been receiving phone calls from Diversified Consultants who have been looking for a " XXXX XXXX. '' I am not and do not know anyone by that name. However, they continue calling my phone number even after I have told them to stop calling. Please do something about this company to try to stop them from calling me. I will also send them a cease and desist letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 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:
I opened a checking account with Capital One 360 and got a debit card from them in advance of a 6XXXXmonth trip to XXXX. I informed them of my travel dates and destinations. They gave me a non-XXXX phone number to call collect from overseas in case I had a problem. After XXXX weeks, they froze my card. But when I tried to call the customer service number, I found that no matter what time of day I called, I could reach only an automated voice menu, with no options corresponding to my problem. The phone number they gave me is simply not staffed by any customer service representatives at all. Of course, there was no way to reach their XXXX number from overseas. So I looked on the website for other contact options. They were limited to fax and postal mail - no other phone numbers, no electronic contact options. So, I sent them a fax. They confirmed receipt of the fax in an email, but have not replied to my reply ( I 've now been without the use of this card for three weeks ) and the issue is still not resolved. So : no customer service options for people using the Capital One 360 debit card overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One has reported both of my cards as 30 days late. This information is not correct, the minimum payments were made that should have kept the account from being reported 30 days late. I believe it was in XXXX when I spoke with someone with capital one that advised that I could make the payment of {$25.00} on an arrangement that would not cause any late fees or derogatory marks on my credit. I have worked hard to maintain good payment history with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capitol One requested a copy of my credit report and has approved a credit card in our name my husband and I.I did not apply for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Hi, I made a payment to Capital One, my credit card company, on Tuesday XX/XX/XXXX with my debit card, over the phone, the way I usually do. 

They still have not presented the payment to my bank, it is now a week later. 

It seems clear that they are holding this payment until after XX/XX/XXXX because they hope that my bank account will not be able to cover the payment and that I will then have charges and a higher interest rate to pay. 

Is this a new way the credit card company has found to increase its revenue, Can they be doing this to others as well? 

When I called customer service they said the had the right to hold my payment. 

Are they allowed to do that, it seems that they should have to present my payment to my bank within a day or two of it being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is concerning capital one on a fraud that was made to XXXX credit cards with them back in XXXX I was scamed by XXXX people concerning my credit cards a person named XXXX XXXX had made payment on both of my credit cards and had me get the cash and send to XXXX XXXX via XXXX XXXX to XXXX XXXX in a XXXX week period this happened XXXX to the sum of XXXX dollars I had a credit limit of XXXX dollars but now I owe over XXXX the payments made to my cards was withdrawn by the bank that submitted payment but they only put XXXX card in fraud and refuse to put both cards in fraud unless they here from XXXX XXXX to verify that he made payment to the account everything happened at the same time i have tried to get them to work with me on this situation I blame them for allowing me to go over my limit by that much money is just crazy and why did they not make sure payment was secure before releasing cash to me what can I do about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capitol One offered a {$500.00} incentive if I deposited {$50000.00} for 90 days. I deposited {$50000.00} on XXXX XXXX, 2015. It has been 90 days and I am told that it will take another 25 days before they will deposit the {$500.00} into my account. I believe that this is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX 2015, my account with Capital One had a fraud alert put in place due to a returned payment that overdrafted the account. I contacted them to clarify there was no fraud and they advised they could not remove the flag so I instructed them to close the account. I explained that since it was a secured account and I had no outstanding balance I wanted my deposit returned and the account closed. They advised they could n't do that either because of the fraud flag. They refused to even update my address because no one was able to remove the flag. In XX/XX/XXXX I began working with the client resolution center and eventually in XX/XX/XXXX, received a refund after numerous calls and the account was supposedly closed. 
Today I received an alert to log into my account and noticed that it not only is still not closed as I requested, but an annual and late payment fee have been assessed. When I called in I got the same run around about how nothing can be updated because of the flag. I do not want to risk late payment information reporting to the credit bureaus for an account that should have been closed months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My case number is XXXX. I just received this e-mail ( below ) from you this morning. Last night, Capital-One put their false information back on my XXXX credit report, for at least another 60 days. So, tell me, while this case is in dispute, they are allowed to report false information, that has been disputed??? I read the FCRA and my understanding is they are to REMOVE the ( false ) information while the account is in dispute. Is there no justice here? And WHY are they allowed 60 or more days? I 'm going to write the FTC now, and get my attorney involved. This does not pass the smell test. 

XXXX XXXX XXXX From : Consumer Financial Protection Bureau [ XXXX : XXXXXXXXXXXX ] Sent : Wednesday, XXXX XXXX, 2016 XXXX To : XXXXXXXXXXXX Subject : Your submission, [ Case number : XXXX ] The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

View the details of your complaint and the company 's response so far at : XXXX We will let you know as soon as we receive an update about your complaint. 




Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX University, XXXX NY XXXX XXXX, XXXX, XXXX have been repaying my student loans for 10years. Between my federal and private loan payments the payments have been in excess of XXXX, ( private being XXXX ). Recently, I extended the terms of my private loans to lower the payments ( now XXXX in addition to {$280.00} federal payment ). I also took a significant pay cut and am living on my credit cards in order to pay for this and my healthcare plan. I have diligently paid the entire principal + {$20000.00} and they want an additional {$50000.00}. That is 170 % return on the borrowed funds. I do not understand why this is fair or unregulated. A mortgage with these terms would not happen unless I had the worst credit, and I have well above XXXX credit score. It is unsecured debt and I have done my duty. I do not think that NavientXXXX should be able to continue to hold this account in debt. I offered a settlement that was VERY REASONABLE ( 40 % of remaining balance ) and they declined the offer because my account is in good standing. They told me they will only consider settling my account if I stop paying, ruin my credit, become deliquent client for an extended length of time. Of course this makes even less sense to me. Please help me to get a fair settlement attained for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My dad passed away in XXXX 2014. I had all of his mail sent to my home. When I started receiving his bills and debts, I wrote to each company, supplying them with a copy of the death certificate. Every company sent condolences and confirmed that each account had been closed/written off, Except Capitol One. I have received numerous harassing phone calls and letters stating that the balance must be paid ... .which continues to increase due to past due fees and interest. I have talked with many different people, each one apologizing, saying that this issue will be taken care of. I am still getting the letters and the phone calls. I do n't know what else to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
To Whom It May Concern : In XX/XX/XXXX I received a Capital One credit card bill with a {$19.00} charge for " annual fee ''. Since I did not want to pay a fee for a credit card I called and asked what my options were for a no fee card. I was told I could change to the Quicksilver card that has no fee. This was fine with me until I got a new bill with the {$19.00} charge still on it. 
I called again and was told that the fee was for going forward only but I still owed the {$19.00}. This was not my understanding from the first call and would have canceled the card on the first call. I get offers in the mail regularly from Capital One for no fee cards. 
I think they are using some of the " XXXX '' type deception. I would have canceled the card on the first call and I think if you listen to the " recorded for training purposes '' recording of the call you will find this to be true. 

I want my {$19.00} back or I am going to cancel the card. 

I also want to know what steps will be taken so that this type of deception is stopped. 

XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX is trying to collect a debt they bought from Capital One and they are no longer Licensed to operate in the state of Missouri

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
i called and set up a payment and the representative keyed my bank cardaccount number in wrong and cause my payments to be late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Ballybunion Enterprises, Inc
State: NJ

Complaint narrative:
freedom furniture and electronics sued me where i did not live. i had no idea about the lawsuit, and was never given proper notice. they are taking money from me on a monthly basis only because they threatened to put a lien on my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I submitted a package to Capital One for foreclosure alternatives on XXXX/XXXX/2016 and continued to fax documents that were being requested. At several times, my file was in review and on XXXX/XXXX/2016 I was asked to re-fax certain documents that they claim were not received. I faxed those documents that same day and today when following up, I am informed that my file has been closed and they will not review me for another modification and will be proceeding with the sale in 13 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
The XXXX XXXX XXXX was billing my XXXX son rather than myself, his mother. I am the primary insurance holder and responsible party that should have been contacted to settle the balance. I was unaware of the balance owed of {$12.00} and had paid for all of my known balances. I recently received a Credit Collection bill in the mail addressed to my XXXX son and immediately called the Credit Collection XXXX and XXXX who said they had made a mistake in billing my son. They have made other billing errors before and I am filing a complaint as I am concerned that this type of mistake would affect a non-responsible party, especially XXXX who is a minor.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
Correspondence is from Credit Collection Services re : XXXX XXXX. The amount due appears to be XXXX but this is not entirely clear. The correspondence includes a STATUS UPDATE that essentially claims that my account is unpaid and seriously past due. It also states that I should call their office and that otherwise they will call me. There is no indication regarding the name of the creditor or the services provided that I am expected to pay for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
As a sole proprietor we took advantage of what seemed a great offer mailed to use via Capital One Spark Business card. The problems began almost immediately. Upon trying to even activate the card, I was forwarded to the fraud department. 

Over the course of using the card for the first three weeks, we encountered XXXX other false fraud warnings. ( XXXX on my personal Capital One card too ) We 've spent numerous hours on the phone verifying info, only to find out that for some reason they had n't activated the card properly from their end. It finally got to the point where it seemed Capital One was accusing us of fraud, so we retained counsel who now conference calls in with each new false fraud warning. 

I 've never experienced anything like this - they seem anti-customer, accusatory and are unable to articulate any of the reasons any fraud alerts were triggered. Something is fishy with Capital One - I highly recommend avoiding it. We have a legal team now looking at what our options are. We will be compensated for our time and for dealing with what at best is harassing, and at worst is accusatory insinuations of customer fraud. After researching others .... MANY others ... have this same problem the CFPB and/or FTC needs to do something about Capital One. An investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a home mortgage with Capital One Home Loans. 5/1 ARM. As their rates are not in line with the market, I decided to repay the mortgage. I asked for a payoff letter on XX/XX/2017 with a good through date of XX/XX/2017, which was {$550000.00} ). I paid {$250000.00} ( as XXXX only permits {$250000.00} wire per day ) on XX/XX/2017 ( Fed Ref No XXXX ), {$250000.00} on XX/XX/2017 ( Fed Ref No XXXX ) and {$61000.00} on XX/XX/2017 ( Fed Ref No XXXX ) ( which includes the per diem interest rate through XX/XX/2017, that was provided on the pay off letter ). On XX/XX/XXXX, my Capital One account did not show credit of my wires and still showed the full principal outstanding. On XX/XX/2017, my Capital One account showed principal balance of {$310000.00}, and on XX/XX/2017 the principal balance on my Capital One account was {$250000.00}. As of XX/XX/2017, it still shows {$250000.00} as the outstanding principal balance. I have made 2 calls thus far to find out about the {$250000.00} wire that was already made ; however, neither representative was able to locate the wire transfer. My call on XX/XX/2017 with a " supervisor '' at Capital One said that she will be contacting the account receivable department to see if the {$250000.00} was applied to the wrong ledger and that it will be credited back to my mortgage account once they are able to find it. I can not comprehend how a bank can misplace a wire for 7 days. How are they documenting/accounting for this internally? As a securities attorney, I can only imagine that their internal controls are a mess and I respectfully request that there be a thorough audit of this bank so that other consumers are not left in my situation without recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 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: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I am a victim of identity theft. I do not owe for this debt. A representative from Credit Collection Services continuously called me and harassed me, and told me I will be arrested if I do n't take care of this debt. Credit Collection Services is in violation of the Minnesota Debt Collection laws and the Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation