vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Patenaude & Felix A Professional Corporation
State: NV

Complaint narrative:
COLLECTION LAW FIRM, PATENAUDE AND FELIX A.P.C. ( " P & F '' ) ILLEGALLY GARNISHED WAGES ON A TIMED-BARRED, UNSECURED PRIVATE STUDENT LOAN. THIS DEBT, WHICH P & F OR XXXX ARE NOT THE ORIGINAL LENDER ( XXXX ) OR CREDITOR ( XXXX ). P & F AND XXXX THEREFORE MUST ADHERE TO CONSUMER FEDERAL CONSUMER PROTECTIONS OFFERED UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). 

P & F HAVE VIOLATED SEVERAL FDCPA PROTECTIONS INCLUDING FAILING TO PROVIDE SUFFICIENT DEBT VALIDATION AS WAS REQUESTED ON SEVERAL OCCASIONS. RATHER THAN OPERATE WITHIN CONSUMER PROTECTION LAWS, P & F CONTINUED TO PROVIDE MISLEADING INFORMATION, DECEPTIVE INFORMATION TO EMPLOYERS AND OTHERS. 

ATTACHMENTS A-C ARE DOCUMENTATION THAT DIRECTLY SHOWS XXXX XXXX HAS NO LEGAL OBLIGATION TO PAY P & F WHATSOEVER. 

ATTACHMENT A IS THE " LENDERS COPY '' OF THE ORIGINAL LOAN APPLICATION/PROMISSORY NOTE SIGNATURE PAGE THAT WAS FAXED UPON APPROVAL OF THE PRIVATE STUDENT LOAN AROUND XXXX XXXX. 

NEXT, BY VIEWING ATTACHMENT B, WHICH IS A XXXX CREDIT REPORT FOR XXXX XXXX XXXX WHICH WAS REQUESTED ON OR AROUND XXXX/XXXX/XXXX. THIS ATTACHMENT CORROBORATES ATTACHMENT A. DOING SO BY PROVIDING THE DATE THE LOAN OPENED ( XXXX ) AS WELL AS PAYMENTS DEFERRED UNTIL XXXX/XXXX/XXXX. 

P & F HAS VIOLATED SEVERAL FDCPA PROTECTION PROVIDED TO CONSUMERS. NOT ONLY IS THEIR CONDUCT UNACCEPTABLE BUT IS IN DIRECT VIOLATION OF THESE PROTECTIONS. P & F MISREPRESENTED INFORMATION TO EMPLOYERS AS WELL AS COURTS IN ORDER TO SECURE WAGE GARNISHMENT. 

P & F HAVE NOT PROVIDED ANY CONTRACT AS PROOF OF XXXX XXXX 'S LEGAL OBLIGATION TO PAY P & F. THIS WAS REQUESTED BY XXXX XXXX 'S DEBT VALIDATION LETTER REQUEST AND BLATANTLY IGNORED SEVERAL TIMES. INSTEAD P & F CHOSE TO SIDE-STEP FEDERAL AND STATE LAWS AND VIOLATE FDCPA PROTECTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
Check Smart has called me multiple times to remind me about a payment due on XXXX/XXXX/15. I made a verbal agreement that I would make a payment and one more on the date above. I was told that I would not receive anymore calls from them unless I broke the agreement which I have not. I feel I am being harassed by this company and I am getting annoyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 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: NY

Complaint narrative:
I opened a XXXX account back in 2015 and I returned the phone in the 14 day return period that was allowed. I was told the account was closed and all I had to do was pay a XXXX dollar restocking fee. It appears that the XXXX store I was dealing with never processed the closing of the account properly. I do not feel I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES
State: MA

Complaint narrative:
We mailed our monthly mortgage payment to Provident Funding on XXXX XXXX. However, Provident did not cash the payment until XXXX XXXX. In the meantime, Provident assessed a late fee on our account. 
On XXXX XXXX, prior to the assessment of the late fee, I emailed Provident to find out why our payment was n't cashed. However, I did not receive a response until the late fee was imminent. 
Provident assessed the late fee on XXXX XXXX, then decided to cash our check the next day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
We refinanced our mortgage with The Money Source to an FHA Streamline loan. Our escrow funds balance were misappropriated. They applied the escrow balance towards the principal on the new loan and then sent us notice of a XXXX $ escrow shortage. We have been attempting to get this issue resolved for 3 months. Now they have increased our payment.

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 2017-01-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Secured a LOAN, was given a bank check issued to the escrow broker ( Payee ) but the payee would not release the asset until Full clearing of funds was verified by the bank. The bank stated it would take 2 business days to acquire a COPY AFTER the check was already cleared. However, I was being charged per day interest on a loan that I had no asset for? Is this acceptable?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 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: MD

Complaint narrative:
Opened date is not correctly reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 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: FL

Complaint narrative:
I have previously disputed an account with diversified consultant and it has been removed and put back on with no notice. This account they have isnt even in my correct last name. I called and spoke with XXXX on XXXX/XXXX/16 at XXXX who confirmed there was different tel # s associated with this account but could not be removed. This has dropped my credit score in the midst of me trying to build it. Because of this collection I was denied to continue with a credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
USAA FEDERAL SAVINGS BANK 's failure to report in a timely manner my mortgage and mortgage payments to the Credit Reporting Agencies is hurting my credit. USAA was contacted by me and requested first in XXXX 2016 by me too report my VA Mortgage Loan and payment information. Still it has not been done, as of this date. 
I now have XXXX reporting : " What 's hurting your score. There is insufficient information about mortgage accounts. You either have no mortgage accounts, or there is insufficient information about mortgage accounts, in your credit file. People without mortgage accounts or those who do not have sufficient information about mortgage accounts are considered riskier by lenders. It is important to have various types of credit that are held in good standing in your credit file, including mortgage accounts. '' Plus, XXXX which is used by USAA reports : " Factors influencing your score downwards. Lack of sufficient relevant real estate account information. A real estate loan can be a first mortgage, a home equity loan, or home equity line of credit. The XXXX credit score model relies on information in your credit files at the XXXX national credit reporting companies ( XXXX and XXXX ) to generate your score. Your credit file does not contain enough credit behavior information about your real estate accounts. A mix of different types of open and active credit accounts, including real estate loans, can have a positive impact on your credit score. '' USAA 's internal problem was also reported to the XXXX to no avail since my current mortgage information has NOT been reported to XXXX and XXXX as of this date ( see 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 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I was defrauded out of {$1100.00} when someone stole my debit card number and used it to purchase plane tickets on XXXX XXXX. I do not know these individuals whose names are listed on the itineraries. I did not make the purchase as could be determined by an IP address associated with the purchase and my location at the time. Further, I was in New York when the purchase occurred, which purchase was XXXX flights from XXXX to XXXX. I disputed the transaction and was credited back the funds, but upon investigation, USAA determined that I had authorized these purchases and was going to reverse their original credit, re-charging me the {$1100.00}. They never consulted me during the investigation.

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 2016-07-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I am XXXX and was discriminated against by USAA because of my race/class. On XXXX/XXXX/16 I deposited a money order in my account for {$500.00}. The money order was placed on hold until XXXX/XXXX/16. I called to speak with an agent on XXXX/XXXX/16 to see why the hold had been placed on money order ( same as cash ) that I 'd purchased with cash. The first agent I spoke with ( XXXX ) asked me where did I get the money from to by the money order. Which is discrimination and was not the cause of my money being held. I asked her what did she mean and she said how did you make that money. I told her I was offened by that question. She never apologized. I explained to her that I had checks coming out of the account ( rent, etc. ) that the money would need to cover and if not available my account would be overdrawn. I also explained to her the hardship it would cause my family and the only reason I deposited the money orders is because I thought it was the same as cash. There is no USAA bank in my state so other than direct deposit and depositing money orders through my mibile account I have no way of depositing funds. I asked if the call could be escalated to another department which it was. The second representative I assumed would better trained in costumer service but not so. She too belittled me asking " I do n't understand way you would deposit the money orders with the possibility of them being held. '' This was after I 'd explained to her that I thought the money order was same as cash. She was very rude and told me " I 'm not reversing the hold now what else do you want to talk about. '' As of now {$560.00} ( money orders which I purchased ) is on hold and will not be released until XXXX/XXXX/2016. Please advise me what to do at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 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: NY

Complaint narrative:
I applied for a phone and phone plan in XXXX 2014 with XXXX. While waiting for them to ship me my phone, I found I better service with another provider and signed up with them. When I received my phone, I did not open the package and did not activate the plan. I promptly returned the phone and all contents of the package to a XXXX storefront where they took the phone. I did not use their services at all. I received a phone bill from XXXX for that month, charging me {$70.00}. I do not owe them {$70.00} because I never used their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
Specialized Loan Servicing has a 3rd Party Vendor who will not answer their phones. The bank has not called me back or answered their phones since the appraiser was at the property. The appraisal was completed on XX/XX/2017, but I have no idea of what the value came back as. I was told to sent a written request for information and was provided a fax #. I have now received written response from SLS stating that I now have to submit it in writing and not by Fax. The miscommunication and lack of communication is unacceptable and the delays should not be tolerated. The appraisal will expire soon and then the bank will need to provide a new one. This is a waste of time and resources and in acceptable

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 2016-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
someone contacted me asking did I want to make quick money and they were from the FDIC. It was in regards to money that my bank owed me. They asked me for my personal bank information and I gave my information out. They deposited money into my account and then later told me that it was n't my money and it needed to be sent back. They gave me the names of the accounts in which the money was owed back to. I sent the money back and I thought that was the end of it. Later that night another deposit hit my account and I got an email and that basically told me I would n't have access to my account due to suspicious activity. I later called my bank and they told me to file a police report and it is attached to this statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH

Complaint narrative:
Repeatedly calling after being told not to on a recorded line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
While traveling overseas, I called USAA to discuss recent charges on my debit and credit card ( Sunday XX/XX/XXXX ). The representative and I agreed that there was no fraudulent activity on my card and no need for any action. For some odd reason that no one can explain ( after dozens of phone calls ), the representative deactivated my card anyway. I only learned of this on XX/XX/XXXX, when I went to an ATM machine and my card was confiscated. When I first called USAA, I was told, " if you have a problem with the bank that confiscated your card, you will need to work it out with them! '' I could n't believe it. Clearly, this bank only confiscated my card because USAA told them to do so. Numerous phone calls later and almost a week later, I received a new card in the mail - after some extremely unpleasant phone calls. This is clearly an instance, once again with USAA, where the front line personnel is so poorly trained and unprofessional that customers are left without any recourse. Moreover, I have been told that USAA can revoke my card at any time and without any reason. If I am traveling abroad, " I am out of luck. '' According to their representatives, they also have no responsibility to notify me that they are revoking my ATM or Visa Card. They can and will do this at will.

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 2016-04-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I recently had fraudulent activity with one of my checking accounts. Unauthorized use of the debit card was tracked to Florida. USAA Customer Service stated that the unauthorized user called and obtained information to access my online account. With information, provided by Customer Service, the unauthorized user accessed my online account and transferred the entirety of joint checking and joint savings to my personal checking account. While in my online account, the unauthorized user changed the withdraw limit and PIN number before withdrawing the entirety of my account balance via my personal checking from an ATM in Florida. It only took USAA about a week to return the funds, but now I have been locked out of my account since. They keep transferring me from one department to another, dropping my calls and every time this happens you have to start the whole phone call process over again. Now every time I call they tell me that a Escalation team member will have to call me back in XXXX hours to verify my identity. I have yet to have a call back and it has been about 3 weeks now that this mess has been going on with no resolution. I need access restored to my accounts immediately. I have late fee 's, over drafts, bills to pay, and a mortgage. I do n't know what else to do. This is causing XXXX on a XXXX veteran. Please help.

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 2016-11-14 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I submitted a dispute to USAA on XX/XX/2016 for a {$10000.00} purchase from XXXX that represented themselves to be an investment bank, but I learned that it was just a front. On that date, I also learned that XXXX had processed it with USAA as a cash advance and there were thousands of dollars of fees that I had not authorized. USAA was VERY slow in handling the dispute for a number of reasons that are difficult to understand, during which they applied the credit on two or three different occasions until finally on XX/XX/2016 they re-billed my card for the {$10000.00} stating that I had used the service after I filed the complainr. I said I had only used it to provide the information they requested : specifically statements of the account and transactions processed. They said when I logged in I lost all rights to a refund.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-07 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: MA

Complaint narrative:
DIVERSIFIED CONSULTANTS Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX they are trying to collect money from that I already paid with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX I do have a letter that the gave me and did fax it to DIVERSIFIED CONSULTANTS. I would like this removed from my credit report. if you have any questions feel free to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I got a tittle loan with 800 loan mart for {$2500.00} on a Volvo xc70. After making timely payments est of {$250.00} a month for 4 months, i inform loanmart that i would renounce my interests and give them the car, that was XX/XX/2012. Loanmart picked up the car and auctioned it off. They sent me a settlement offer of {$650.00} XX/XX/XXXX and i refused. they wrote the car off as a chargeoff. In subsequent years they would annually send me a settlement request, each time the amount would increase because of the outrageous interest fees, that apparently, still compounded. loanmart has been erroneously reporting my account to XXXX and XXXX. They now show my balance in the excess of {$7000.00}! 

They are using this exorbant fee to try and ruin my credit by showing that my credit utilization is way passed XXXX %. This is a form of extortion

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
It 's almost comical about how hard it is to do business with USAA or how hard USAA makes it. USAA is impossible to deposit cash with and their XXXX store locaitons do not take cash. 

I recently was paid in cash and went to get a few money orders that were certified payments, yet USAA insists on putting everything on hold. This is a nightmare! 

The iPhone app they say will tell you if the deposit is going to be palced on hold before you deposit and this is true only some of the time. I find that other times after the deposit has been made only then do I get notified that the deposit is going to be placed on hold for " security '' reasons ... yeah right ... .security ... More like USAA wants to hold my money and invest/lend it and then release it to me 6 or 7 days later. Sounds like a good scam to me. This makes no sense. I have yet to deposit a check into my USAA bank account that has bounced. 

Whatever happened to banks doing the right thing for their customers? 

I ask that USAA not contact me by phone regarding this matter, by mail only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 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: CA

Complaint narrative:
A collection company by the name of Diversified Consultants , Inc., claims that I owe XXXX on XXXX bill. When I got their letter of collection, I 've sent a reply with a dispute letter via USPS with certified/ signature required. I asked them to validate the debit, but what they sent me was a single page statement that is not sufficient to validate this debit. They even reported the debit of collection on my credit reports to all reporting agencies- they completely ignored what I 've asked from them.

Company response to consumer: Closed with explanation