vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On what I think Was approximately XX/XX/XXXX, I got a call from USAA telling me that I had an outstanding balance on a credit card that was closed in XX/XX/XXXX. The balance was for {$14.00}. They told me that the card originally had XXXX cents and had accrued interest over the last 8 years. I told them that I had closed that account. They said that it was their mistake and credited my account the {$14.00} and closed the account. I asked them if this was going to affect my credit rating and they said that they were n't going to report it to the credit agencies. the following monday I got an alert from XXXX XXXX saying that my credit score went from XXXX to a XXXX. Not only did they not contact me for 8 years to settle the account, but they assured me that the outstanding balance was their fault and that no credit reporting would occur. I feel that I have been unjustly treated and my credit score should n't be affected.

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 2016-09-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My Bank of America UTMA account for my son was opened years ago. BOA insisted on a joint checking and savings account, though I needed only a savings account. The last two months, without warning, BOA has been charging me a $ XXXX monthly maintenance fee for the checking account, which has no deposits, and claims that I owe them {$32.00}. I am trying to close the account. BOA refuses to accept consumer emails unless it is a request for a copy of a check or statement ; refuses to provide a mailing address for consumer complaints ; and insists on limiting consumers to only phone call contact ( resulting in no documented record of what happened ) or instant messaging, but the BOA live chat system is perpetually busy. I am now on perpetual hold to BOA. This is unacceptable and deceptive. It would not be surprising if BOA is trying to gouge many others with this practice of assessing unannounced fees on checking accounts on unsuspecting consumers, and then refusing or obstructing the ability of consumers to request that the account be closed.

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 monetary relief
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I have advised this collection agency via certified mail that this debt they are attempting to collect is not mine, but is a result of identity theft. I have never had a service with XXXX. I included all police reports and documents in the certified letter sent to this collection agency and advised them to cease and desist due to fraud/identity theft. This is NOT my debt and the collection agency must cease and desist any and all harassing collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MONEY SOURCE, INC., THE
State: OH

Complaint narrative:
My husband and I wanted to do a stream line refi so we could get out of this PMI part of our loan. We started the process in the beginning on XXXX and we were told repeately that it will be just a couple more weeks until we close. We were told XXXX then XXXX then XXXX now we get a call today saying that its not happening at all due to the fact its been to long and it would not benefit us at all now! WHAT? I even called in XXXX and spoke with the guy who said its totally us, we are just way behind here we will close in XXXX for sure! What a bunch of XXXX! Its not my fault they were berried in refi applications and for some reason mine got pushed back 4 times!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
This company contacted me via mail saying that they were collecting a debt on behalf of XXXX for an account that is 3 years old that I never had. They said if I disputed this information to write them within 30 days and I did. I received another letter from them on XX/XX/2015 stating the same thing and to respond within 30 days. I have credit monitoring and on XX/XX/2015 less than 30 days they put this item on my credit report anyway after I have disputed in writing once. They never sent me any paperwork regarding this matter and they are wrong to report it anyway. I am not able to scan the letters they sent and that I sent but I am more than happy to fax them or mail them if needed. My credit is overall good and this account is seriously causing me financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I have a XXXX Homestyle Renovation Loan being serviced by imortgage in XXXX, AZ. I had the mortgage company required consultant submit the third and final draw request complete with all of the documentation for the draw on XX/XX/XXXX and it was received by imortgage according to an agent I spoke to, XXXX XXXX, on XX/XX/XXXX and he said he would process the checks. This money was to pay the contractors who had finished work on my house two to four weeks before. On XX/XX/XXXX, I received a call not from imortgage but from an appraiser that originally appraised my house stating that imortgage wanted an appraisal by XX/XX/XXXX. As I was on vacation in XXXX, which was known by both the agents I dealt with at imortgage, and was not due to return until XX/XX/XXXX, I immediately contacted XXXX XXXX, the loan administrator at imortgage to express my dissatisfaction for this unnecessary delay to the release of my contractors funds. He said he was not going to release these funds even though the documentation was complete for him to do so. ( The XXXX previous draws have been released with the same information. ) While there is a requirement in this loan for a reappraisal before the final distribution of any remaining contingency funds and the loan is closed I believe XXXX XXXX, is committing fraud by claiming that he can hold these draw funds intended to pay my contractors until a final appraisal is completed. 
While I contacted several XXXX complaint operators, as they are the ones who own my loan, they said they could not help me because they do not enforce the requirements on the lenders only on the customer. 
I will be contacting my Senators and Representative concerning XXXX 's lack of customer service as this is the type of practice that got them in trouble XX/XX/XXXX. I 'm hoping that yours is not just another government waste of time and will actually do what your mandate implies..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
In XX/XX/XXXX I became XXXX payment delinquent on my auto loan with USAA. Upon returning to work in XXXX I called and made arrangements to pay XXXX payment and portion of the past due amount until I was current. In XX/XX/XXXX {$120.00} was applied to late charges despite my intent and misleading statement from the representative who assured me it was their process to apply payments in this manner anyway. When I realized what had happened I spoke with another representative on XX/XX/XXXX who told me this would be corrected my requesting a misapplied payment reversal. Once again the payment I made on XX/XX/XXXX a portion - {$26.00} was applied to a late charge and the reversal that was promised did not happen. After a conversation on XX/XX/XXXX in speaking with a very rude representative and her manager, they basically stated the policy is they always apply to late charge prior to allowing the consumer to pay to past and future payments. I stated this was unfair and deceptive, they stated I had no recourse ; but to accept this. In going through my pay history in order to allow these fees to accumulate there has to be a variation of this policy ; but they would not consider it. At the end of the day applying in the manner that they claim is " policy '' allows the bank to continue to incur fees on top of fees because it would take the consumer a lengthier time to become current.

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 2015-05-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX, 2015, I learned that my credit card had been compromised via a text message from my bank, USAA. I called the company immediately and I thought I had made all arrangements necessary to have the card formally reported compromised to the card issuer, turned off, and a new one sent to me. A week later, I found out the bank had not turned off the card nor reported it to the card issuer. The representative of the bank stated that this was because our phone call had been cut off near the end of the call, and that the bank 's representatives are forbidden from calling customers back to complete the process, nor will they proceed with the actions being taken. Customers are not informed of this. In my case, this meant I did not know that my account was still vulnerable for a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Not only did the credit card not only was robbery papers submitted, this company has illegally put the card in collections to sell it to someone else to make money, that is a crime. Not only that I was only an authorized user, from only XX/XX/XXXX to XX/XX/XXXX. I was nothing more than that and not only that XXXX took USAA CREDIT CARD off my report realizing its illegal activity. Not only that, USAA reported wrong amount. There are 4 illegal things, not just one here, not only that 4 years I tried to resolve this, this is disgusting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
I applied for a VA refinance mortgage through Loan Depot XX/XX/XXXX. At that time I had to pay {$300.00} to lock in the interest rate and to cover the appraisal. I received very little communication from that time on except for notices that additional papers were needed by the VA which I found and sent to Loan Depot. Then two weeks ago I got an email asking for my water to be tested because I have spring water and the report to be sent to Loan Depot. This took a few days because the health department only has certain days of the week that they test water. So then last night ( Monday ) I received a call from Loan Depot saying that they had to raise the interest rate because my loan unlocked on Friday. The man said he had called me on Friday but there was no answer so he left a message. I received no message. I use a cell phone and it does not work inside my house. So after an hour or so conversation with the person that called ( Mon ) I decided to call the person that originated the refinanced process and had to leave a message because he was not answering, but he has not returned my call. So at this time I am really frustrated and do n't no what to do. When I finished the hour or so conversation with the person last night he told me I could either except the new interest rate or close the process. The interest rate that I locked in was 3.25 % and now they want 3.75 %. This seems totally unfair to me especially since the rate unlocked on Friday and I get a call on Monday. Not only did they raise the interest rate but they want {$4000.00} at closing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
My first payment was missed due to my son being XXXX and not having any PTO available. I informed Advance Anerica Representative of this and he stated that he would note the account. I am continuing to be harassed daily with multiple phone calls to my home and cell and even work after they were instructed not to call my workplace. They have also gone to my workplace to attempt to collect the payment. Since then my regularly scheduled payments have gone through as well as the payday loan. They are very badgering and do not assist when you truly need a payment moved or placed to the end of your loan. I regret going with them for my installment loan and referring a friend to them as well.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Closed on a refi with USAA on the XXXX. Was told the payoff and small cash out would be wired Monday the XXXX. That day comes and goes, same with the XXXX, and with the XXXX. Each time they tell me, " it will be there in the afternoon, '' each afternoon, nothing. I assume if I call them again today I will get the same answer and same result. 

I was dissatisfied with USAA from the beginning, the Loan Officer took my info and handed me off to processing and have not heard from him once since. About a week or so after talking to him I get an email saying USAA will stop the process if I do not submit documents right away, there apparently was a deadline I was unaware of and that deadline was a hard and fast XXXX. I should have just stopped then and there. 

Today Thursday XXXX they tell us the funds have been released. If it is going to take 10 days then tell me that, do n't tell me 3 business days and then drag it out. 
USAA is not the place to get a mortgage.

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 monetary relief
Consumer complaint received 2016-09-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
On XXXX of 2016 my girlfriend accepted a job. Little to our knowledge it was a job scam. The job provided contracts, websites, accreditation, and business registration number. She was told her job was an XXXX. She was told a client was sending money to our account. She was told to open a XXXX XXXX XXXX account. She was told after thirty days they would put her on the company account but until then she had to use her own. The client wired XXXX into our account. The bank approved it and allowed her to move the money. Domestic wire transfers are reviewed and posted the same day. It took a week for them to decide to reject the wire transfer. They froze the account with NO NOTICE. They would n't tell me anything but that my account was under review and to call in three business days. I could n't access my money. I am in the XXXX in three months. I was treated awful by the bank they did n't work with me at all. They accused me of fraud. They should have froze the account the day the wire transfer went in and investigated it then. They should have flagged it. My girlfriend was scammed and we have to pay for it? What kind of protection is that? The fraud department at USAA does n't even have contact information. They said we could n't talk to anyone about the investigation. It was n't until the bank froze the account we found out the job was a scam. We wish we would have known the day the transfer happened. This job spent three weeks convincing and " training '' my girlfriend. She had no idea it was a scam and she even XXXX and asked for verifications. The bank let us down by not protecting us. We make average money the bank has never seen huge amounts hit out account they should have called and asked about it. They should have investigated it. Within a week of freezing the account all they said was the name was spelled wrong. They were accusing US of first party fraud? And they were exercising their right to do business with us ... not to mention informing us the bank took a " hit '' by approving the funds they did n't review so we had to pay it back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Heavner, Beyers & Mihlar LLC
State: IL

Complaint narrative:
I have a monthly mortgage that was finally approved to be 31 % of my gross income as a payment since I first applied for the HAMP thru XXXX XXXX XXXX, it is also an FHA loan. I have made persistent monthly payments to XXXX Home retention department since XXXX of XXXX when I first applied. I also took the financial counseling courses thru XXXX debt counseling in XXXX. As I complained to this office XXXX was denying me the proper repay payments on the modification. XXXX kept inflating my gross income and that would project an improper repayment on my loan monthly payment and they failed to comply to FHA guidelines. This was complained to the bureau frequently my credit also suffered. I am a XXXX person and deserve to be able to maintain my home without threats. On sunday XXXX XXXX, XXXX, yesterday, a man served me foreclosure papers despite the FACT I have active letters from XXXX that my appeal is being reviewed since my payments were consistent and the payment and trial period were met since XXXX of XXXX. The liason with XXXX and FHA stated she is looking into this matter. FHA created a ticket over the concerns of a third party named in the loan papers that were sent to me to sign in XXXX. I inquired as a consumer who and what the third party fees from XXXX were and XXXX kept denying there was a third party. Now a law firm is filing foreclosure despite the fact XXXX XXXX. loan specialist of XXXX states she is working on my modification. This law firm has violated the terms this foreclosure date is listed less than 30 days of the letter dated XXXX XXXX, XXXX these papers were served yesterday XXXX XXXX, XXXX. I have letters from XXXX dadted this last week and calls from them stating the modification is being worked on. The law firm is violating FHA terms as the secretary of the FHA must allow a foreclosure and the terms on the loan are not consistent with XXXX. My loan name is not even listed as correct on the papers from the law office. I am being wrongly pursued and abused. this law firm is wrongly adding fees where my XXXX loan modification with FHA is another amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The account was mistakenly sent to XXXX for outside collection after we had a payment agreement with the original creditor. We called in XXXX to make the final payment only to be told that the account was know longer with them so they were unable to accept our payment. We were told to contact XXXX and make the payment there. We called XXXX immediately at that time and were told that the account had not been transferred to them as of that time and that we would have to wait until they had the account in house before they could accept the payment. It was n't until late XXXX that the account had arrived to XXXX so they could accept payment. On XXXX XXXX XXXX we made the final payment on the account. At that point the account was paid in full, the issue was closed and nothing was ever supposed to report to credit. Now a full year and 2 months later in XXXX of XXXX XXXX is incorrectly reporting a open collection on this same account that has already been paid to all XXXX credit bureaus. I have called them and there response is that they are not and have never reported this account to credit. They state that it is each of the credit bureaus that is reporting this not them. This issue has caused my fico to drop XXXX points creating an extreme hardship for me and has damaged me financially. This is illegal, wrong and the account needs to be deleted from my credit report as soon as possible. All supporting documentation is attached for your review and consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX, and XXXX companies both these companies made my credit inquiries on the same day XXXX/XXXX/2016 without my authority. 

XXXX XXXX XXXX also made a credit inquiry on me without my authority.

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 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX is charging me the full amount as late on my credit report for a leased vehicle that was returned to the dealer on XXXX XXXX, 2016. The dealer had agreed to pay off the vehicle at {$26000.00} and charge me monthly payments of {$250.00} until the agreement on the lease was satisfied. Instead, they are showing me late for {$18000.00}.

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