vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS
State: NV

Complaint narrative:
Lexus-Nexus has incorrect personal data. My credit union told me to contact Lexus-Nexus directly. The only option is a telephone system with automated responses. I went through the menu and have waited for XXXX weeks for a response. They have never mailed me or contacted me. Lexus-Nexus has no way to correct their incorrect data!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I previously had a General Motors credit card. I allowed the card to lapse about three years ago. I cut up the cards and there has been no activity on the card for over three years. 

In XXXX of 2015 the credit card management company, Capital One allowed a vendor, XXXX, to make a charge against this card. 
I had previously allowed my membership to XXXX to expire. I disputed the charge made by XXXX in XXXX of 2015. 

Since that time I have seen the original charge along with overdue charge to continue to grow. I complained a second time in XXXX of 2015. As of yet this has not been resolved. 

This account was closed. 
The vendor had no right to make a charge against me. 
The vendor had no right to make a charge against a closed card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
Diversified Consultants starting calling on XXXX/XXXX/15 at XXXX and again at XXXX on the same day. These calls were unanswered. Then on XXXX/XXXX/15, they called at XXXX, in which I did speak with a representative, verified my identity and was advised of the debt from the original creditor. The call was disconnected because I was having a difficult time understanding the accent of the representative. They then continued to call me all week. More calls placed on XXXX/XXXX/15 at XXXX, XXXX/XXXX/15 at XXXX and again on XXXX/XXXX/15 at XXXX, in which I did not answer. My wife called them on XXXX/XXXX/15 at XXXX and advised them not to contact me again. It is my understanding that once a debt collector makes contact with you, they can not try to make contact again for 7 days. I also feel that the excessive number of call on my cell phone that I also use for business purposes is excessive and disruptive to my daily work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
I 've contacted Advanced America Cash Advance trying to settle my debt.and acquire a payoff my interest rate is 222.10 percent. They refuse to give me the requested information. I no longer want to owe them money. They have been rude and uncooperative. I would appreciate your assistance in this urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 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: SC

Complaint narrative:
I sent in a letter for validation with electronic return receipt and it was delivered on XXXX XXXX, 2016. It is now XXXX XXXX, 2016. I have not received a letter of validation. I called XXXX on XXXX XXXX, 2016 asking for the account to be removed since I did not receive validation and it 's been more than 30 days. Their response was that Diversified Consultants verified the account with XXXX on XXXX XXXX, 2016 but I still did not receive validation as I 've asked. Now I am requesting deletion but XXXX refuses saying that they will send validation in 7-10 business days. It 's been longer than the 30 day mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
1. USAA will not honor the loan rate offered to me telephonically. Mortgage rates and associated points were telephonically communicated to me and I made detailed notes of the call. I locked in the rate/point based on the telephonic quote. Written lock-in agreement listed different point level from the telephone quote and I made an immediate inquiry to USAA. USAA has delayed investigating my inquiry for XXXX days. USAA now asserts that the telephone call where prices/points were quoted to me was not recorded and, therefore, it will not honor what was quoted to me by phone. 

2. USAA has declined to honor the closing date listed in the purchase contract. I have made repeated requests to have the closing date corrected, with no success. 

3. USAA has taken advantage of the fact that I am single and a XXXX-time home buyer. When initiating the application process, USAA was made aware that a ) I am young and single ; b ) I have no realtor ; c ) I am a XXXX-time home buyer. When I received my application packet, I did not receive contact info for my loan processor ( I did n't even know I would have a loan processor assigned to me ). When I did receive contact info, I received only a first name and a telephone number ( no last name or email ). Phone calls were not answered, voicemails were not returned for at least XXXX hours. Loan processor did not alert me when documents were sent to me, and since I have not gone through this process I was not aware that documents would be sent by overnight courier to me that required immediate attention. As a result, the process has been unnecessarily delayed several times. 

4. USAA will not work with me to resolve my issues/concerns. I made repeated requests to resolve my concerns/issues about closing date and points/loan rate with USAA and USAA has declined to work with me. The representative I spoke to indicated that the closing date is inflexible and that USAA would not honor the rate quoted to me by phone since they did not record the call. Further, the USAA representative chastised me by asking why I had not taken it upon myself to ask the questions about rate changes/required forms/process. I replied that every USAA representative I spoke to understood that I was a first-time home buyer, so how would I know to ask those kinds of questions since everything was new to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Heavner, Beyers & Mihlar LLC
State: IL

Complaint narrative:
On XXXX XXXX 2016 at XXXX there was a call place to Heavner, Beyers & Mihlar, LLC in regards to my account according to the caller they spoke with an employee by the name of XXXX, she proceeded to disclose information in regards to my account such as the beginning balance to how much is left the amount paid in and the last payment received without verifying the identity of the caller, when ask their company procedure when verifying the consumer befor releasing information she stated the caller said their name and according to the FDCPA she has violated the third party disclosure act. I am currently employed as a debt collector and know that puts not only the debt collector as well and the employers in financial risks.. so if at all possible can u direct me to whom or where I can go to seek monetary fines in relation to this violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I took out a loan from LoanMart XXXX XXXX Loans. My first payment was due XXXX/XXXX/15. I contacted them and told them my payment would be late which I was told is in compliance. I was to make my payment to them on XXXX/XXXX/15 so that would include XXXX payments. I received a billing statement reflecting that with no past due charges because I contacted them. They repossessed my car and damaged it and my yard on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 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: WA

Complaint narrative:
XXXX is not correctly reporting that I am paying them in XXXX or 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 2016-07-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I keep getting calls from Diversified Consultants Inc. the calls are being made via their auto-dialer system. when i answer the call it says " please hold for the next available representative '' after waiting 10 seconds i hang up. finally i got frustrated on XXXX/XXXX/16 and called back, a rep answered and i asked him to cease and desist all calls and all future communication should be via mail. the rep interrupted me and said " i already removed your number '' and hung up on me. i called back and asked for a supervisor, guy came on the line and ID himself as a supervisor. i told him about his rep 's actions and wanted him to file a complaint. he barley acknowledged my complaint and proceeded to try and collect the debt! then he tried to coerce me into disputing the debt by saying that 's the only way we can stop collections activity against me. i tried to reason with him and told him i have worked in collections for 10+ years and i know FDCPA policy and CFPB policies. you think that would have slowed him down a bit. it did n't! i tried to explain the debt was placed in error but he continued to tell me it was n't and it was a valid debt. i tried to warn him about his company 's auto dialer system is calling my cell phone and probably others and the risk involved with calling cell phones. he was n't interested. he either wanted to collect the debt or coerce me into disputing the debt after i already told him i am not disputing the debt the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
i ask the money source for instructions of pay of loan amount, the money source send instructions to new mortgage co. we paid the money source the amount they calculated and ask, then thth money source took money from escrow account and said that the apy of amount was short. we paid what they ask. the money source then send explanation account loan spread sheets which does not make sensse numbers do n't match. the money source gave wrong pay of amount, due that they forgot to deduct XXXX principal and taxes and insurance that they recieved. so that no means that the pay of amount was supposed to be less than what the money source original send to new mortgage co. and we paid. it was the money source fault they did the wrong calculations, and they penalized 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 2016-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DE

Complaint narrative:
My account was discharged in bankruptcy and court ordered that all debts have been paid. Bayview Loan Servicing corrected all information on my credit report per court and lawyer and then when I was in the middle of doing a refi i find that they changed all of the information on my credit report. They now removed all information showing that it was in bankruptcy, They put that my account is 150 days past due, my mortgage payment is {$300.00} higher than the actual amount. I feel that they are doing this constantly to keep me from refinancing to another company. I have contacted a lawyer and am preparing to sue the company. I am highly stressed and distraught over this entire process. They are reporting fictitious and different information every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
Imortgage failed to pay my property taxes in XXXX on my new home construction, leaving me with possible late penalties and other charges. On top of that, for my tax refund, I am unable to claim property tax deductions in XXXX. They have transferred my Mortgage to XXXX mortgage as of XXXX XXXX, XXXX. Since Imortgage claims to no longer own my loan, they are deferring any and all responsibility. I have paid {$550.00} a month out of my escrow account for property tax & insurance since I closed on this home on XXXX XXXX, XXXX ..., where is my money going? Is this even legal? Property tax payments need to be made by XXXX XXXX to avoid penalties, which clearly did not happen. This should not be legal and now I am facing potential liens on my house after all I have done is make timely payments on my mortgage as a good resident of the XXXX Imortgage needs to pay my property tax & assume responsibility for any additional charges & expenses on my behalf. 
Per RESPA, they must " make you whole '' for any adverse action cause by their late payment. Up to and including the loss of home/equity, increase cost of insurance etc Thank you all sincerely, 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 2015-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I 'm really sick and tired of getting checks ALWAYS being placed on hold from USAA bank. Every single deposit gets placed on hold for a minimum of 7 business days. This past phone call in the attached recording you will see I tried getting a partial lift on funds {$300.00} out of {$1000.00} lifted 1 day early so that I could go to XXXX XXXX to pick up medication I need to survive. 

USAA chose not to accommodate the situation which I explained, was a medical emergency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I obtained an automobile loan from USAA. During the telephone conversation to apply for the loan I was offered an extended vehicle protection plan which I purchased with non-loan funds held in a DDA account at USAA. The funds for the EVP were deducted from my DDA account on XXXX/XXXX/2015 the day I picked up the car. I had changed from one dealership to another, and from one car model to another and as such I called USAA to notify them of the new information and seek a new price on the EVP as I selected a different model vehicle than I had described during my first telephone call to obtain the loan. 

The EVP proved unacceptable for many reasons and I rejected it for a refund during the preview period during which the customer may review the documents. 

The vehicle loan was established using a check-like form presented to the vehicle dealer. The bank accepted the form from the dealer and funded the loan. The bank added as second ( with a different policy number ) EVP to the loan principal and obtained state doc stamps for the entire proceeds of the loan including this unwanted second EVP. 

Telephone conversations with USAA have proved fruitless. I have asked them to remove the second EVP they added ( they may contact the vendor of the EVP to rectify their error ), correct the loan amount and correct the doc stamps. They have failed to do so putting the onus on my to reach out to the vendor of the XXXX EVP and cancel it on their behalf. This would leave the doc stamp difference unresolved. 

USAA as an agent for the EVP has made misrepresentations to induce me to purchase the EVP. USAA failed to assist in obtaining a refund for the initial EVP. As it was purchased based on the EVP 's agent 's ( USAA ) incorrect plan description I felt it incumbent on USAA bank to assist in recouping the funds debited from my account at USAA. 

USAA improperly and without authorization added an unwanted product to a consumer loan in violation of the law. When notified USAA took no timely or definitive steps to remedy their error. Rather they insist the customer untangle the mess they have made. The number of errors, misrepresentations and the stonewalling by USAA customer service lead me to hold the opinion that this is not simple errors but a pattern of incompetence, a breach of fiduciary duty, and perhaps even fraud and I encourage the CPFB to investigate and take enforcement action.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
We received a modification in XX/XX/XXXX 2014. I was laid off of my Job XX/XX/XXXX of the same year. We applied for another modification Through our servicer USAA. We were denied and then appealed it because of missing information ( copy inclosed ). We were told that per VA guidelines we are only allowed XXXX modification every 3 years and only XXXX during the life of the loan. Please assist us with this. Thank 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 2016-10-27 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: PA

Complaint narrative:
Diversified is currently reporting a collection account on my credit file that was paid in full to the original creditor XXXX XXXX XXXX XXXX. Once i made the payment i was told they would no longer report this debt on my credit file. I paid off the old debt in FULL as well. 

this had a huge impact on my credit file, i 'm in the process of buying a house and the mortgage company said this collection is hurting me greatly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 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:
Usaa try to close my account and do n't want to do business with me because of a defect of not including the number on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau Services, Inc.
State: NM

Complaint narrative:
My husband accrued medical debt after we separated. I have a court filed document in which he stated that our date of separation was prior to his accruing the medical debt. The debt went into collection and the collection company is reporting that it is a joint debt because we were married. The debt was included in the divorce decree as his alone but the collection company is refusing to remove me as a joint owner of the debt. I have disputed it with XXXX and XXXX and they informed me that it is a joint debt. We were not together at time of debt and in his court response to the Petition for Divorce he stated we were separated prior to date he sought out medical treatment. His court response is proof that we were not together at the time the debt was accrued. We were not living in the same state. Therefore the debt is not joint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
I have been a member with USAA for over 10 years and have had their checking product for years along with renter 's insurance and a credit card. Recently, after years of being able to transfer funds with immediate credit, they have arbitrarily started imposing an absurd 5-day business day hold on transfers from accounts I 've made for years ( from payment for my job ) while immediately withdrawing the funds from the other account. They offer no justification for this and no answers. It 's obvious this is a scheme to maximize profit from my overdraft credit line in my case and in others to accumulate NSF fees. The customer service can not explain this new arbitrary policy at all and is very rude about it. No other bank does this and when they impose a hold, the policy is fully disclosed and explained. I do n't think a hold policy that is not fully transparent and consistent is in compliance with regulations and can be manipulated and abused at will to increase profits, which is what is being done here. Regardless, transfers should n't take 5 days to complete as the banking system has vastly improved in speed since the 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 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Usaa bank did illegal closure of my checking account, savings account, credit card, renters insurance and auto insurance and illegal credit reporting. I need help from media FTC Now!

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