vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
The nature of the complaint is that the creditor failed to respond to a debt verification request made pursuant to the FDCPA. The basis of the dispute is that complainant was a victim of identity theft. In XXXX XXXX Complainant 's ex-spouse open a credit card account with USAA in his name, and the Complainant was unaware that the credit card account was opened. The XXXX decree was granted at the hearing on XXXX XXXX, XXXX and signed by the judge on XXXX XXXX, XXXX. XXXX days prior to the final order dissolving the marriage Complainant 's ex-wife transfers balances from XXXX of her credit card accounts to the USAA account. 
The complainant became aware of this once the balance showed on his credit report. He immediately filed a police report with the XXXX XXXX XXXX, TX police department. The case is being investigated by Office XXXX XXXX. He also filed a complaint with the Federal Trade Commission. On or about XXXX XXXX, XXXX the complainant through his legal counsel sent a written debt dispute letter to USAA requesting verification of the debt and specific documents to authenticate the account application. On XXXX XXXX, XXXX USAA responded that the credit reporting issues were out of its control referred the complainant to the credit reporting agencies and failed to provide any verification of the debt. 
The Complainant is requesting debt verification and damages and reasonable attorney 's fees pursuant to the FDCPA.

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 2017-02-05 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
NORTH STATE ACCEPTANCE DEBT COLLECTOR DIDNT VERIFY COLLECTION, NO CONTRACT, NO SIGNATURE,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA credit card services ( -XXXX ) continue to send me statements for {$3000.00} plus dollars for merchandise that they own and are in possession of!! 
Besides being unethical, it is also illegal to bill me for something I do n't have or own!! 
USAA has been very unprofessional and refuses to acknowledge this issue. 
USAA has also been charging me interest on that {$3000.00} plus dollars and refuses to stop, they also owe me {$150.00} for shipping charges!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I have requested Diversified Consultants, Inc. to provide me with proper verification of the allege debt they are claiming I owe them. I have not received proper verification and requested that if Diversified Consultants, Inc. could not provide me with verification to remove this negative trade-line from my credit history. Diversified Consultants, Inc. has failed to honor either of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I purchased a car earlier this year, using USAA as my finance company. I was given a 13 % interest rate for the loan. They explained this was because I had quite a bit of outstanding debt on my credit report. I was told that if I took care of these debts, I could refinance at a significantly lower rate. In turn, I sold my motorcycle and other items to pay these debts off. At the time I purchased this vehicle, I was just a couple months away from deploying overseas. They told me if I send a copy of my orders, they would lower the rate for the time I would be gone. After sending the orders, they denied lowering my rate, stating that it does not apply to me. After paying off my outstanding debts, and trading in XXXX other cars for XXXX, I greatly reduced my monthly payments and obligations. I then attempted to refinance the vehicle to get that better interest rate. They then offered me a new rate that was still over 12 %. This was not helpful, and has put me in a bad place. I purchased this vehicle at a high rate under the impression that I would be able to afford it after a very short time. If they would be willing to do as promised, I would be saving between $ XXXX $ XXXX. My wife and I will be moving in XXXX of 2016 to a new duty station. We will be losing over $ 1,000/month due to lower housing allowances at our new location. We are trying to save and continue to not incur additional debt in preparation for this move. I am worried that if we are not able to have a decent rate on this loan, I will end up defaulting on it, and letting it to into repossession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
l enrolled for USAA Debt Protection plan on XX/XX/XXXX and l clearly told them l am self employed, fast forward to XX/XX/XXXX l lost my business and l could not afford to make minimum payment and USAA denied my application that they do not covered XXXX, they ( USAA ) been charging me over {$100.00} a month for this service. please help, l find this situation to be fraudulent and mis-informed.

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 2016-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I just opened this checking account not a month ago and I just received XXXX notices that it and the associated savings account are going to be closed on XXXX/XXXX/2017 and the associated credit card has been XXXX out. I have barely gotten a chance to use this account and I do n't know why my membership is being canceled as the letter does n't state and the bank refuses to say. I have only had an overdraft using the protection because of their ridiculous hold policies and it was immediately paid. My husband 's account was closed before but I had nothing to do with that nor am I responsible for his behavior ( even though they could n't explain that either other than " unacceptable behavior '' ) and we are going through a separation so I need a separate account. I have a separate USAA membership number and I feel this is only for discriminatory reasons as they have always been rude to us because we are a XXXX couple. They have damaged my credit and if these accounts are not reinstated, I expect the hard inquiry and all traces of this credit card account to be removed from my credit report. This company now punishes relatives of USAA members they do n't like and ca n't give a reason for either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I arranged with XXXX for phone, tv and internet service in XXXX 2015. The installation was badly botched and none of the services worked. Nevertheless XXXX XXXX sent a bill for {$43.00} for XXXX service and within weeks sent it to collection. I subsequently received a gift card returning {$18.00} from XXXX XXXX ( a subsidiary of XXXX ) indicating no further payments due. But XXXX sold the account to XXXX XXXX who then. Now I 'm getting called by a XXXX debt collector Diversified something or other.dropped efforts once informed of the XXXX response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
What can you say about USAA BANK other than they murdered my life and killed me a long time ago, I am living my life on fumes. After being robbed of over {$100000.00} things including, music demos, screenplay drafts for projects for money, all my personal things like license info, and social security info, after being idenitity theft through USAA CHECKING account and USAA BANK CREDIT card and proving it and bringing people to justice and after a car accident we proved was not our fault, USAA BANK refused to pay out all they owed, closed checking account illegally, the issues are extreme, they even illegally put me in credit reporting XXXX found them guilty and removed them but XXXX has not I Am attaching a letter from XXXX XXXX to show I WAS ONLY AN AUTHORIZED USER, USAA BANK and ceo XXXX XXXX, I have phone calls, emails, letters from city controllers and other agencies to prove I Am in the right. I Am terrified they get away with this by simply saying WE ARE FOLLOWING FTC regulations, but they are not, they are evil. I am actually waiting for them to finish my life off, there are so many other issues, I am attaching a XXXX document as well to their only XXXX % of what they did. XXXX, I know they are gon na come for me and finish me off soon, they are so evil, and gross. XXXX XXXX ext XXXX at USAA BANK is also an evil henchmen for USAA BANK. HELP ME HELP ME HELP ME HELP ME I AM DROWNING HERE AND TERRIFIED.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Hello Consumer Financial Protection Bureau, I am an XXXX XXXX veteran currently serving in the CA XXXX XXXX XXXX and prior USAA member who has had USAA products and services in the past, such as mortgage loans, auto insurance, credit cards, checking/savings accounts, and auto loans ; all of which were in good standing. USAA stated that I could no longer be a member after a homeowner 's insurance claim was denied over the theft of personal property from my home. On XXXX, I won a judgement in small claims court against USAA for failing to make me whole ( please see enclosed ) and I was found to have no wrong-doing, however, USAA has maintained that I " misrepresented information. '' Prior to this scenario, I was a happy USAA member for many years and had satisfactorily used USAA products and services without discrimination. I am hoping that USAA will reconsider with forgiveness and mercy so that my eligible family and I can become members going forward. I am requesting to be a USAA member once again with the same membership rights privileges, and nancial resources afforded to other XXXX veterans. I am asking for your help in forwarding this written request to USAA since they have ignored my fax, emails, and written letter. I have high hopes that USAA will consider the USAA XXXX " We stand by you. USAA is dedicated to serving XXXX members and their families by offering more benets than any other major nancial service provider. '' Kindest regards, XXXX XXXX Member # XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2016-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
While working with this lender I have been facing many obstacles from the beginning. The disclosures were not correct when they initially sent them to me with all the incorrect information from what I was sent and they told me to sign them regardless which I knew was not right to begin with. Secondly, I have yet to receive a loan estimate which I have requested a total of 5 times to reflect the accurate amounts and totals. I am given a " fees worksheet '' which is not what I asked for and nor does it provide any of the necessary information I had requested. The loan processor keeps loosing all of my personal and sensitive information that I have provided to them. The loan office, XXXX, refuses to return any calls or e-mails and I also feel discriminated against because he only choose to talk only to my husband and not to myself especially because I am the primary signer. This company has been sending me in circles with this loan process and consistently lacking in customer service on top of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Last year my husband and I bought a house. The loan was done through XXXX. When did applied for the FHA loan we were told by the loan officer XXXX XXXX, that we qualified for a Mortgage Credit Certificate based on being a first time home buyer, credit income and income requirements. A year later as we are doing our taxes we realized we never received the MCC certificate. Later after investigation we find out the loan officer never processed the MCC application with the loan. Therefore, now every year we file we can not claim that tax credit which is 20 % of your annual mortgage interest will be a direct federal tax credit, resulting in a dollar-for-dollar reduction of your annual federal income tax liability.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WV

Complaint narrative:
I ran into some financial trouble many years ago. I have made monetary restitution with everyone involved. Except XXXX XXXX XXXX XXXX wo n't fix the account reported on the XXXX XXXX? This is killing my credit score. I have mailed letters and proof to them many times, yet, they just continue to violate many of the FCRA 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 2017-01-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
I am financing a car with North State Acceptance. I started making payments XX/XX/XXXX. 
I have problems initially before I purchased the car, mechanically, several issues. I 've only had the car 3 months or so and had to put another motor in it and a catalytic converter, a steering column frame, and cutting off issues. I purchased the car from XXXX in XXXX NC. On Sunday, XX/XX/XXXX, I woke up and my car was not in my driveway. My car payment is not due until XX/XX/XXXX and I am not behind. I called North State and asked if they had my car, and they said no. The gentleman said that I was up to date on my payments, which I already knew that. So i dialed XXXX and had an officer come out because I thought my car had been stolen. The officer on the case called me on Monday morning, today ( XX/XX/XXXX ) and told me that in his search for the car, he found that it had been repossessed by North State Acceptance by error. Mind you, I just spoke to a representative and they assured me that it was not them that took my car. ( XXXX XXXX ) Now, here I am having to get a ride from other people or cabs because of the negligence of North State Acceptance and their misinformation. Now I have to wait for them to bring my car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
Loans has been paid off. I have traded this vehicle with the title. This company is marking it as a charge-off and also saying paid as agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, USAA FEDERAL SAVINGS BANK, wrote to exercise its option to close Checking Account XXXX registered in the name of XXXX XXXX XXXX . USAA had changed my ownership registration of the account in XXXX XXXX for the vague reason that I did not qualify as the registered owner of a USAA account. They printed new checks showing the new registration. However their letter was addressed to me, not XXXX XXXX ( see attached ). 

Neither XXXX XXXX nor I owed USAA money. We were not insured by USAA Our Credit Cards had a zero balance and continued in good standing. On closing the account, USAA confiscated the funds in XXXX XXXX 's accounts which had a combined balance over {$900.00}, citing their Deposit Agreement as authority to close accounts and offset funds on deposit. There was nothing to offset. Where did the money go? 

Phone calls to USAA for an explanation for confiscation of XXXX XXXX 's funds were met with obfuscation and prevarication : in XXXX call I was told that XXXX XXXX 's account was closed because of an issue with their Property and Casualty Department. When XXXX XXXX called for clarification, she was told the bank accounts were closed by the Credit Card Division. To avoid misunderstandings, it became clear we had to avoid telephoning USAA and instead document our contacts and their response using XXXX, XXXX, and XXXX letters as a legal necessity. 

I sent a XXXX letter to USAAXXXX on XXXX XXXX and a Certified follow-up on XXXX XXXX pointing out that the accounts were registered to XXXX XXXX not me. XXXX/USAA did not reply. 

To get a USAA response, XXXX XXXX was obliged to file a complaint ( Case XXXX ) about USAA with the Consumer Financial Protection Bureau on XXXX XXXX, XXXX. Via the CFPB, USAA replied : " XXXX checks, {$160.00} and {$800.00}, made payable you and to XXXX XXXX had been mailed on XXXX XXXX, XXXX. '' XXXX XXXX challenged USAA 's infallibility and asked for proof/substantiation that a check had in fact been issued and mailed ; had it been cashed? A copy of her response was also directly XXXX XXXX to USAA. USAA received the letter but did not did not reply. 

It appears that USAA kept the {$900.00} + without explanation, asking us to believe that " the check is in the mail. '' Equally troubling, USAA deleted the checking and savings accounts from their web site. 

USAA has had at least 8 months to research their response : Where is the money?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 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: GA

Complaint narrative:
Diversified Consultants has been inaccurately reporting a collection account that should have been deleted from my credit files since XXXX 2015. They ignore my calls and refuse to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: NM

Complaint narrative:
XXXX of LoanDepot called me XX/XX/XXXX about refinancing my house with a VA loan. I sent them all of the requested paperwork, plus they charged my Visa credit card {$200.00} for an appraisal. A few days later, his supervisor XXXX called and told me a few things that XXXX never told me. XXXX also told me that I am NOT exempt from the VA Funding Fee. I have been XXXX XXXX with the VA since XX/XX/XXXX. I called the VA and they told me that I AM exempt from the VA Funding Fee, and the VA told me not to do business with LoanDepot. Five days before the appraisal was to be done, I called the appraisal company and cancelled the appraisal, so the appraisal never took place. Since then, I have requested twice that LoanDepot refund me the {$200.00} I paid for the appraisal that had been cancelled. To this day, LoanDepot has refused to issue me a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
My Response to Loandepot XXXX XXXX/XXXX/XXXX The information Loandepot mention & provided are n't true. When we Refinance our home in XXXX XXXX with loandepot. Homeowner insurances was still active from " XXXX insurance company ''. I contacted them several times. and they sent me proof and I 'm sure I disclosed to loandepot such proof of homeowner insurance then. all through XXXX & XXXX still active. I do n't know where loandepot got their information from. But, they are n't true. We have gone through hell with their Dishonest services with our Refinance since : Terrible Dishonest, trying hard to find ways to twist their dishonest service foremost. but, the fact of the matter is : they tried very hard to suppress my VA entitlement benefit to purchase our home in the first place. Our Fundamental Right : right that is considered by a court ( as the U.S. XXXX COURT ) to be explicitly or implicitly expressed in a XXXX ( as the U.S. XXXX ) A court must review a law that infringes on a " fundamental right under a standard of strict scrutiny. according to how they treat and served us : because of my character as a " XXXX '' XXXX from XXXX XXXX. which also falls under invidious discrimination type of service as fundamental right is concerned. Including : False statement 1. an assertion that is not true, especially one made in words as distinguished from verbal conduct. any conduct or representation that violates a " False statements statute '' any federal or state statute making it a crime to make false statement. Or could be " frolic of one 's own conduct by an employee outside the " SCOPE OF EMPLOYMENT. '' OR " FRUIT of the POISON tree '' evidence derived from information obtained through an illegal search or other illegal investigative technique, such as evidence is generally subject to the EXCLUSIONARY RULE TO THE SAME EXTENT AS THE ILLEGAL OBTAINED INFORMATION THAT LED TO IT. IN THIS AFOREMENTIONED. NO SATISFACTION WITH THEIR COVERED UP EXCUSED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation