vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
I have been receiving calls for months from your Diversified Consultants Inc, only to be hung up on as soon as I answered. Someone finally spoke today, telling me he was calling on behalf of XXXX and wanted me to verify my personal information. I told him I have never had any business with XXXX of any kind, to which he replied that it was a business matter with XXXX and that he could n't tell me anymore without verifying my information. I refused to provide any of my information to a random person on the phone, and he ended the call. It was only after I got off the phone and looked up the organization online that I discovered it was a collection agency. I called back to complain and they claimed they were not required to disclose that they were a collection agency because I had not yet provided them with my personal information, such as the last XXXX digits of my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My mortgage company ( USAA ) failed to pay my insurance company out of escrow. I spend days of attempting to get them to pay and eventually had to pay the insurance company myself and get reimbursed after the fact. This was in XXXX Florida in the days leading up to XXXX and caused my family intense emotional distress. I was eventually reimbursed for the additional money I paid in but only after about 50 hours of attempts to resolve the problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 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:
I have a open debt with XXXX with the account number of # XXXX that was open XX/XX/2016. Its a debt of XXXX $ that was open until XX/XX/2016. I am a victim of identity theft. somebody as been using my social security number in opening numerous accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Over the weekend of XXXX XXXX my bank accounts XXXX at USAA bank was liquidated of {$70000.00} in Florida without my authorization. I reported the unauthorized withdrawals on XXXX XXXX. I was notified that my account would be credited back within XXXX5 business days but this has not occurred as of the date of this complaint. I need to pay bills but USAA has not even given me an update and the investigator has not contacted me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I had previously submitted a complaint against USAA with regards to my auto loan. I was promised a lower rate over than what I am being charged. In addition, the term should have been XXXX months with XXXX payments rather than XXXX months. As a result of that complaint, USAA offered to essentially refinance the loan with the correct terms since they could not fix the original loan. However, I paid for a gap insurance product on the current loan which is tied to the loan, not the vehicle ... so refinancing would have voided the gap insurance and since the new loan would have been a refinance rather than a purchase, I would not have been eligible for repurchasing the gap insurance. The USAA person who was responding to my complaint was supposed to look into this but she stopped responding and none of the issues were ever addressed. I am still paying the higher interest and the amortization period is still wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I applied for a {$0.00} down payment VA loan through USAA and after being told I was pre-qualified and subsequently approved I was then asked to provide a down payment of approximately {$9200.00}. It was only 2 weeks before closing and after my appraisal and inspection had been paid for and after I informed my landlord I was moving out. I was told I had a loan and then all of a sudden I was unfairly being required to come up with this large amount of money in just a matter of days or I would have ended up homeless. This was very unfair and deceptive and I also never received a clear explanation about why this down payment was being required on a no down payment VA loan product nor was I ever given any additional disclosures. Further detailed information is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 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: CA

Complaint narrative:
I had informed the collection agency the alleged debt was in dispute with XXXX and not owed. Further, I told the agency that no adverse credit bureau reporting should occur until such time the dispute was either resolved or sent to arbitration for ruling. 
The credit agency responded by providing assurance they would speak with the creditor and contact me with a reply. I never heard back from the collection agency or creditor regarding my assertion the debt was not owed or my request for arbitration. The collection agency proceeded to place a negative account unpaid on my credit history with the credit bureaus. Since that time I have been in contact with the collection agency and conveyed demand they remove the negative account information immediately. I was told the account had neen sent back to the original creditor ( XXXX ) and Diversified would no longer be of assistance in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Closed on a home on XXXX XXXX, 2016. Received a notice in the mail from USAA saying they " completed an analysis of your escrow account, and has adjusted your mortgage payment to reflect changes in your real estate taxes or property insurance. '' The difference in our monthly payment is {$240.00}. How can they raise our mortgage payment if we 've already closed and signed based on a completely different agreed upon payment? Why was n't an " analysis '' done before we closed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
USAA Credit card services has caused great concern to me, which is the reason for my choice to close a credit card account with them. USAA called my home 3 to 4 times a day starting on XXXX XXXX 2015 In a robot form because my payment was past due the first time it has since the account was created 2 years ago. efforts to resolve this matter with the XXXX to get my name put on a do not call list was n't successful. I called back XXXX XXXX from USAA after he left a message to talk to me about the complaint to the XXXX and he has refused to this point to call me 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 2015-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rose & Associates, LLC.
State: KY

Complaint narrative:
About a week and a half ago I received a call from a number marked Private, the lady said she was from Rose and Associates and she was looking for my boyfriend to verify employment. I gave her his phone number. 
Today, Wednesday, XXXX XXXX, 2015 at XXXX XXXX I received another call from a number marked Private from a lady claiming she was from Rose and Associates, again asking for my boyfriend. She gave me a return number of XXXX so I called it from my work phone and told her to take my number off of his name. She would n't give me any information about what the call was regarding other than " employment verification ''. I told her I thought it was illegal for collectors to mark their calls " private '' and she said it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 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: LA

Complaint narrative:
I mailed a letter to Diversified Consultants on XX/XX/2016 requesting more information pertaining to an account on my credit report. I got no response. On XXXX XXXX, 2016 I mailed another letter certified requesting documentation and again and still to this day, I 've received nothing from them. I am unaware of this supposed debt they are reporting on my credit report and per FDCPA they are required to provide documentation in order to validate what it is they are reporting. They have ignored both of my request and they account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I received notification from USSA regarding an automobile payment being more than 30 days past due, therefore it was going to be reported on my credit. USAA is stating that I made the payment on XXXX XXXX of 2015 ( which was two days past the 30 + days time frame ). I have called the company and asked for clarification as the payment was made on XXXX XXXX, 2015 ( one day before the cut off date ). The explanation given to me was that though I did the correct thing by making the payment the day before it was 30 days past due, they can not remove the credit reporting. Their reason is that because I do not have a banking account with them, but I do with a third party bank, it sometimes takes longer for USSA to process the funds. Despite a long telephone call, there was no resolve. I explained to them that I have no control over how their company financially operates, I only have control over when I made the payment and it was before the date they are claiming. I feel that this is a deceptive business practice and should be looked into further. There is no reason that my credit should have a blemish because of their practices, which I have no control over. I also asked if I made a payment that technically was n't late, but my funds were not processed by USAA before the date in which it would be considered late, would I get a late fee - and I was told yes. Basically, no matter what I do or when I pay, it 's when THEY decide to get the funds and they go by that date. This is not fair to the consumer. I was told that I would have to go through a long process with disputing this with the credit bureaus, which I do not have time for and should n't have to go through the hassle due to their " business practices ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
We began a home mortgage application with USAA Federal Savings Bank on XXXX XXXX, 2015. We were speaking with XXXX XXXX ( NMLS ID XXXX ). After going through all of the information, we came to the point where we were going to lock in a rate. The rate she gave us was very good ( 3.625 % with 0.5 points ). There was another rate quoted with 3.875 % and 0.125 discount points, but we " LOCKED IN '' with the first rate. We even asked her if the rate was good because of our good credit. She said " yes. '' Two days later we got the written paper work, which had our correct interest rate, but now had 2.375 discount points! A cost difference of {$4800.00}! USAA says there is nothing they can do. The agent must have made a mistake. But, we feel they should honor the original rate or credit us {$4800.00}. Because of the rate we locked in, we did not shop around to other banks and we lost XXXX business days to do so. Meanwhile rates have increased. This is a bait and switch. It should be illegal. When I LOCK a rate, I should get the rate that I LOCKED. Not a different rate that I find out about 2 days later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau : I know you are very busy so I`ll get right to the point I have a credit card with USAA and i recently opened this account this is about my XXXX payment I 've made and with the normal credit card companies they post your payment within XXXX hourswell I made my payment about XXXX days ago and it is not been posted to my account I called them and asked them why and they said they can and do hold payments for XXXX days, I have a problem with that because interest is still accumulating due to non posting of payments and when i ask about this policy no one could give me a concrete answer why? this is Egregious and I believe against accounting policy I have never had a financial institution do such a thing.I am requesting that you look into this matter and please tell me this is in the fair lending act, this just does n't seem right.thank you for your time on this matter I await your response. last XXXX numbers of my XXXX card is XXXXThanksXXXX XXXX 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 2016-01-20 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: ASTORIA BANK
State: NJ

Complaint narrative:
On XXXX XXXX, XXXX, someone presented a check for cash which was debited from my bank account. It was a small amount of XXXX dollars. I contacted my bank and they quickly put the money back into my account. The bank and I agreed that the account numbers were just XXXX digit different and the customer 's signature overlapped that digit to make it to look like an XXXX instead of a XXXX. 
On XXXX XXXX, XXXX the same thing happened again. The same customer presented a XXXX dollar check for cash.with the signature overlapping that same digit to make it look like an eight.This time I was given an overdraft fee of {$35.00} plus the {$20.00} check amount debited from my account. 
The bank again said this was an error and quickly took the overdraft fee off and promised to put the {$20.00} back into my account within 24 hours. 
The first time this happened, I would say it was a mistake of the teller. It would almost be impossible for this to happen again with the signature covering that same digit to appear as another digit. 
I believe someone is taking small amounts of money from customers at my bank. 
Please look into this. This bank is Astoria Bank, XXXX XXXX XXXX, XXXX, New York XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
This regards account number XXXX on my credit report. When applying for a mortgage recently I was made aware of a collection attempt made by Diversified Consultants for a XXXX account. I was never sent any communications by Diversified in attempt to collect this invalid debt. 

I had previously opened a trial account with XXXX and a billing error resulted in it being sent to collections by XXXX and was later resolved. Now Diversified has put a collections amount on my credit report for this same invalid debt.

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:
Do you know how many years and times we tried to get USAA to do the legal thing. XXXX 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 main USER and XXXX XXXX was only an authorized user, from only XX/XX/XXXX to XX/XX/XXXX. USAA wo n't remove him and they illegally put him on their out of spite. This I find gross neglect and highly illegal. 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 it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA has blocked access to online website as well as closed my checking and savings as well as prohibited me from opening new ones. They have picked an arbitrary date for me to be able to get out of punishment for executing my constitutional right to file Chapter XXXX. The further discrimination and harassment for such a long time following a major financial decision is intolerable. The XXXX-year time-out that USAA puts in place is nonsense and prohibitive to people trying to maintain or re-establish their financial lives following the major decision to file Chapter. USAA 's practice of this method of punishment to the military community it serves needs to be addressed. I had no choice but to file for Chapter after my divorce or face financial ruin. I can not even have a savings account. It is absolutely absurd. No other bank does this and thankfully XXXX XXXX XXXX has been a wonderful plan B, so even if I can switch I do n't know that I will because of how USAA treats their customers.

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 2016-02-21 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
USAA offered a promotional balance transfer for 0 % for 12 months with XXXX transfer fee. The problems come with the way they are applying my payments. They are applying my payments only to previous statement charges. I made payments for new charges, but they applied them to my 0 % balance transfer balance from my previous statement instead of applying it to new purchases that were accruing interest, lowering my 0 % balance. Is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
I had a joint account with my son that was compromised by fraudulent activity. My son was a victim of identity theft and his account accrued unauthorized charges. A report was made to USAA to rectify the situation, but instead of providing us with outstanding customer service, we were treated like the CRIMINALS. I along with my son and his mom called into the customer service for USAA on several occasions and received horrible service. Each time we called in we were put on hold for hours at a time, passed along from person to person and department to department without anything ever being resolved. I have spoken to supervisors who promise to get back with me within 48 hours and I never hear from them, I am so frustrated with the poor excuse for leadership and customer service that USAA has. Since 2012 my account has been compromised 5 or 6 times and USAA has yet to resolve the issue. I have asked on several occasions to close out and reopen my accounts but they assure me that nothing is wrong. Now I 'm stuck with a {$400.00} bill for fraudulent charges that were n't properly investigated by USAA. There customer service is HORRIBLE!! VETERANS BE WARE!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CBA of GA, Inc.
State: GA

Complaint narrative:
I have been trying for a while to validate an item that they are wrongfully reporting on my credit history. I have been very clear about the information I need but have n't received the information I requested. I do not have a contract with them nor the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc.
State: MN

Complaint narrative:
I was contacted numerous times at different numbers calling about a debt that resulted from my ID being stolen along with credit cards bank accounts and anything else that was in my wallet. I have written letters I have told him over the phone and yet it still appearing on my report. I 've suffered enough.

Company response to consumer: Closed with explanation