vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I was told I would have a permeant credit of XXXX USD. Not the full amount of XXXX USD XXXX XXXX transaction. The issue is you guys are request more from me. I read the email you sent to my account online. I also called your customer service today. No one had a clue what was going on. I would like to know if my permeant credit is what it states. I received a letter via email stating I had a permeant credit. I am confused and would like someone to call me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My credit account with capital one bank has been restrict because of fraud issue I spoke to many managers and nobody can resolve the problem. Had a three way conversation with my water bill so they can confirm that I 'm the right person. After verify ask me for more personal information. Sent and they told me that has been receive and have to wait 3 days after that when I call they keep saying that never receive anything. Bad service has capital one bank

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I HAD RECEIVED A VISA CREDIT CARD # XXXX FROM CAPITAL ONE AND ABOUT XX/XX/2016 THEY PLACED RESTRICTION ON MY ACCOUNT & NOT ALLOWED ME TO USE THE BENEFITS THE CARD GOT TO OFFER UNDER CASE # XXXX. I HAD SUBMITTED ALL DOCUMENTATIONS FOR PROOF OF MAILING & PHYSICAL ADDRESS AND THEY INSISTING ON THREE WAY CALLS WITH MY FINANCIAL INSTITUTION TO INQUIRED PRIVATE BANKING INFORMATION ABOUT THE ACCOUNT WHERE THE PAYMENT ARE MADE ELECTRONICALLY. THEY ARE VIOLATING ALL MY FEDERAL PROTECTION RIGHTS IN REGARDS BANKING. I NEED TO HAVE MY ACCOUNT RE-ACTIVATED IMMEDIATELY PLUS ALL REMEDIES ARE AVAILABLE FOR ALL THE E-MAIL & PHONE CALLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Jim Bottin Enterprises, Inc
State: MA

Complaint narrative:
ABC financial made an unauthorized charge for XXXX $ to my visa card. ABC financial had contacted me over a month ago about an outstanding balance on my gym membership. The gym had informed me a year ago and we verified my credit card info so everything should have been set for ABC financial to charge me my monthly membership of XXXX {$.00} When I talked to them a month ago I had specifically said that the gym waived my late fees so the outstanding balance was around {$140.00}. I also had said and verified that they had my correct credit card info which they did. The representative was going to look more into the problem and call me back in two days with an answer as to why my credit card had not been getting charged But i told her specificallY THAT I DID NOT AUTHORIZED THEM TO CHARGE ME THE FULL XXXX $ BECAUSE I COULD NOT AFFORD THAT RIGHT NOW AND ITS NOT MY FAULT THAT THEY HADNT BEEN CHARGING ME ALL ALONG. I just looked at my credit card statement and on XXXX XXXX they had charged my card for the whole XXXX {$.00} This charge was not authorized by me and no one ever called me back to resolve the problem or to tell me they were going to do this. I am extremely upset and can not afford the full {$270.00} right now. I was more than willing to work out a payment plan with them and that was not even acknowledged. This is not the first time i have experienced horrible service with ABC financial. I will now be cancelling my gym membership

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
hsbc card I do not have ... seems to be identity theft ... even maybe from a hospital ... they are continuing to drag down my credit score and add fraudulent activity ... please contact me at XXXX ... this is XXXX XXXX XXXX ... I want them caught and off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One send me a check book to use on my credit card ( only ). They did not tell that all purchases after that will not have the XXXX day grace period for interest, or that I had to pay the check book check first before I could pay the high interest charges! I call them and they said they told people who call! Well I did not call I just took the checks in the mail has face value! They got me! Help me please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
A previous complaint was filed. CFPB Complaint ID : XXXX. Capital One Case Number XXXX. XXXX XXXX asked to reach out to her. We did through the local bank. The local bank officer called her while we were there and left a message. No responce from XXXX XXXX. Because there was XXXX of dollars transfered without authorization from our mother 's account the local police and sheriff have subpoened the bank statements. They know who transfered the money and have copies of the statements the bank provided us last year. It took the bank one day to print them last year. XXXX XXXX [ XXXX ] is who handles subpoena request for Capital One. The police and sheriff need the statements from the bank to pursue the individuals who took the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC
State: SC

Complaint narrative:
I was behind on the loan and got caught up. The loan is due on every other Friday and I get paid every other Monday. I made a promise to pay on the Monday that I pay, so my promise to pay was XXXX/XXXX/16 and I got a phone call harassing me about my payment after I made the PTP. They called me 3 times and sent a text message. I called them and was told if you pay your bill on time I would not call you.

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: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXX 2016, I cancelled my USAA MasterCard in order to limit my exposure to fraud and credit card risks. USAA opened another USAA XXXX credit card in my name without my consent or knowledge. As such they have now increased my risk to credit card fraud and identity theft. To make the situation worse they did it behind my back in such a manner that I would not be looking for a newly opened credit card. Additionally, when I tried to cancel the unauthorized credit card with USAA, they made the process overly difficult by insisting that they transfer me to a special department to process the cancellation. The reason for the transfer was because it was my only credit card with USAA. In talking with the representative on this matter : they said that if I had a second credit card with USAA that they would be able to cancel it immediately without transferring me to the " special department. '' As luck would have it, the phone call was mysteriously disconnected during the transfer - how convenient for USAA, I thought. The fact that the Bank can unilaterally create a contract between me and them for the extension of credit bothers me. Moreover, USAA makes it very easy to sign up for the card but cancelling the card does not have the same ease of process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Reference Account : USAA SECURE CHECKING # XXXX XXXX/XXXX/2015 I spoke with XXXX, one of your reps, We spoke about the recent fraud that was being investigated on my account. Unfortunately the experience was one of the worst I 'd ever had. I was treated like I had committed a crime, I was accused, badgered, importuned, plagued, and also harassed. I 'm sure he knew he was speaking to an XXXX XXXX, by my tone. His actions were unprofessional, unsympathetic, and unprincipled, His discriminatory presentation has prompted be to make a complaint with the FDIC. I 'm a victim in this situation, and this situation has caused me to very agitated, My life was stolen. I called the bank, a well-known organization to establish the status of the case and was treated like I was from XXXX!!

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 2017-02-06 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: WA

Complaint narrative:
I have begun receiving at least XXXX to 3 calls per day from Diversified Consultants , Inc . They are very rude and claim they are contacting me regarding a bill I owe to XXXX XXXX XXXX. 

I do not owe XXXX XXXX XXXX and do not want to continue to be harassed by this organization and want them to stop. Today I received a letter via the mail claiming I owe a balance of {$550.00}. 

Please make them stop calling and mailing me. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
We refinanced our home ; we paid the principal and interest for XXXX, XXXX and XXXX ; we went into escrow in XXXX so did n't pay the XXXX mortgage payment ( closing escrow today ). The payoff information Loan Depot provided includes interest for XXXX, even though we already paid it. I am trying to get them to see that this is XXXX payment. The representative I talked to said we were paying the principal and interest in arrears, but that is incorrect : we always pay the principal in advance - industry-wide practice. Thus, they did n't bill us for the XXXX principal but just for the XXXX principal and interest AND XXXX interest. When I called two weeks ago the woman I spoke to agreed with me and promised a corrected closing information to the escrow company but it still included the XXXX interest. This is over {$500.00} and a burden to senior citizens so I want the money back. Can you help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I lost my job for several months while I was XXXX. While I ended up finding a job, by the time I found it, I was showing and was offered a much lower salary. I had a car loan with USAA for a XXXX For XXXX that fell behind. I kept in constant communication with them and was told re-possession starts at 90 days. I got paid and was going to pay my loan at 86 days, but when I returned home from work, they had re-possessed my car, 4 days earlier than they said they would. They now want {$550.00} in re-possession fees, and they towed my car into another state, so now I will have to take unpaid time off work, or leave it stored for another 5 days until the weekend again. They refuse to let me speak with a manager or to release my car upon paying my debt in full with the exception of the re-po fees which I do n't feel I am responsible for since they told me I was okay to make a payment before 90 days and it would not go to the re-po department

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Clear Debt Solutions, LLC
State: TN

Complaint narrative:
This business continues to contact my wife and I in reference to a supposed debt by her ex-husband. Neither my wife nor I are borrowers ( or responsible ) for this debt. They continue to contact me on my cell phone asking for my wife by her previous last name. When I do ask her to return their calls, they tell her they are calling her because she was listed as a " reference '' on her ex-husband 's delinquent payday loan. I have asked multiple times to not be contacted regarding her ex-husband 's debt. My wife has asked multiple times to not be contacted regarding her ex-husband 's debt. The first few calls they stated they would honor our requests and remove our cell phone numbers from their systems. Yet, within a few weeks we start getting calls again. Always to my cell phone number first. They called me again today ( XX/XX/XXXX ) and I explained that I am not the person they are looking for and to not call me again ( at which point the Rep told me this was the first time they had contacted me, that is a lie ). My wife called them back again today ( XX/XX/XXXX ) after I informed her I received another call and they told her they would not remove her cell phone number from their system until they were able to collect from her ex-husband. 
This debt is not ours, and they have confirmed this fact with her in previous calls, stating it was her ex-husband 's delinquency ( which I would think would also be a violation of Privacy Laws ). 
We can not make her ex-husband pay their client and we demand to stop receiveing calls regarding his debt. If they believe she is somehow responsible for this debt, then we request this in writing in accordance with the FTC guidelines under the FDCPA. So far, I have no indications that she is responsible for this debt, they have not told her she was responsible for this debt, and I certainly am not responsible for this debt. Please investigate this company as it appears they are operating in violation of federal regulations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
My wife and I have top tier credit and applied for a loan, we were pre approved and the barrage of sending information began, they wanted everything imaginable, all the way up to the point of asking for a letter from my wives employer that her tips would not change? Thats after sending a form for them to fill out and be reviewed by a supposed independent company. Everything was fine supposedly according to XXXX XXXX.processor Usaa. Well the closing date came and went XXXX XXXX, they said we need a new closing date the XXXX, that came and went, then I called and spoke to another processor that said the date had been moved to the XXXX. Well friday afternoon XXXX XXXX I receive a call from XXXX XXXX that my loan was declined because of debt equity. This is based on the tax returns I originally sent, it took till 4 days after the closing to tell me that. Since the inception of our loan process we sold our current home and will have XXXX available to put down, So I told them well the house is XXXX we have XXXX to put down, house appraised for XXXX. So can we get that amount approved? This is after no longer dealing with XXXX XXXX but working with manager XXXX, XXXX and Director XXXX XXXX. Today is XXXX XXXX I am still not approved and my seller no longer wants to wait for my approval. So I wish I could sue for damages somehow, I am out thousands of dollars and sold my current home and now have to look for another house. Shame on USAA mortgage for doing this to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA staff advised us on XXXX, in XXXX separate phone calls, that USAA is now permitting all fraud activity on their members ' cards to be handled by a fully automated system. USAA further advised us that this system is completely autonomous and there is no human oversight or control. Therefore members ' cards will be subject to hold and suspension with no known cause or effect. This will cripple business and personal activity of those members who can now not rely on the availability of the credit and purchasing power given to them under the card members contract with USAA. 

This violates the following : USAA card member agreementState lawFederal lawTruth in lending lawFederal law governing internet and on line treansactions Personal civil rightsWe require USAA immediately reinstate a manual control over their fraud alert issues of all card members accounts before serious retribution and/or risk to USAA employees and public safety that could result in loss of life is reached. 

Under this current situation we have been forced to suspend all state to state travel as we can no longer depend on our credit cards being accepted at all locations we use for purchases to conduct our day to day business. As USAA can not know when, or for how long, or for what reason, alleged fraud activity by their automated system would shut our cards down ; we are forced to suspend operations. We can not jeopardize our staff, volunteers, or clients to the risk of an ambiguous automated system that would result in our staff, volunteers, or clients being held hostage by an out of control automated system. USAA 's unwillingness to correct this matter and provide proof of cause and effect is a form of extortion and could be considered an act of terrorism against us - a religious based operation. 

XXXX XXXX, Va.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 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: TX

Complaint narrative:
Simply put I 've never heard of Diversified Consultants. Ive never spoken with them on the phone and I certainly never paid them anything. Since no payment was ever made to Diversified Consultants, by reporting any account as Paid, Diversified Consultantsare stating that a payment was received by them from me, when it was not ie ; providing False information to a credit reporting agency in violation of the FDCPA, and Willfully furnishing inaccurate & misleading information in violation of the FCRA. Simply put they are breaking the law and costing me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2016 XXXX was contacted via telephone to have our accounts closed. The representative on the phone stated that this will happen once the account has a zero balance. The representative proceeded to reverse a bank fee to bring the account to a positive balance then assured us that the account would be closed. We proceeded to receive a check for the full balance of our brokerage account via US Mail. At this point, upon checking we found that our other accounts were still open and instead of having a zero balance, the checking account was negative. We proceeded to contact XXXX via telephone only to be told that the account was n't closed due to the balance that was positive when we initially called, now being negative due to XXXX fees charged. When XXXX was contacted most recently on XX/XX/2016, the representative first stated that the account was not able to be closed due to the negative balance from XXXX 's fees. Towards the end of the call the representative claimed the we never contacted XXXX to have the account closed, which is 100 % incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
For my cfpb complaint @ XXXX, against XXXX, I was advised by a cfpb agent that I needed to submit a paper Dispute document from my credit card company, USAA. I called USAA again today for a document that I could complete and scan and was told that no such document would be forthcoming, as my call to them on XXXX/XXXX/16 inititated a verbal dispute with XXXX. I asked to be transferred to a supervisor, XXXX XXXX, for some type of document I may complete and forward to cfpb ... .even a Statement of Fraud. I was told no such document would be forthcoming. I therefore am filing a separate complaint against USAA because they are not assisting me in my complaint against XXXX.

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: Credit card — 
Issue: APR or interest rate — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I was given a credit card account by USAA in which I received zero percent interest on purchases until XXXX. This is now the third month they have continued to charge me interest on purchases. They have also opened another account without my permission.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: International Computer Systems, Inc.
State: NC

Complaint narrative:
Was notified by a rep. from First Collection Services XXXX XXXX stating I owed a debt XXXX. I disputed the validity of this debt and the rep stated the debt could be settled and would call me back with a offer at a specfic time and to have my debt card information available. I recieved a call from a four digit number XXXX at the said time. I refused the call and recieved more calls from the same number.

Company response to consumer: Closed with explanation