vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Below is the information I sent to USAA 's CEO : Today is XXXX XXXX, 2015 and like many people, my rent is due. As I have done for the last 2 years, I deposit my girlfriends check for her half of the rent. Never does USAA put holds on my account especially not for such a small amount. I thought this may be related to USAA 's terrible security since my debit card information was recently stolen. I called and spoke to a worthless Executive Response member named XXXX. Upon telling me that he can not do anything for me, I asked to speak to a real manager in order to express my concerns and to help me with this pressing situation. After he told me there were NO MANAGERS AVAILABLE IN THE ENTIRE COMPANY, I told him I can hold for one until they are available. His response was simple " you can call back or I can discontinue the call. '' I was previously XXXX at XXXX XXXX and I have never seen this type of disgusting customer service ( if you can even call it that ). XXXX then disconnected the call on me after I had been trying to speak with someone for over XXXX minutes. 
I have always liked USAA because of the great service you used to provide. I will be filing a complaint with the XXXX and will be searching online until I find the CEO 's email so I can explain the horrible people that are hanging up on people that need help. I will also be taking this to social media as well as posting this to as many consumer sites as possible. I truly feel that USAA does not care about their customers and apparently has no respect for anyone that needs help! I hope someone pulls the call and reviews the extremely poor service of your representatives. 

I need my account fixed ASAP so I can pay my rent even though it is now late because of this company doing this 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 2015-10-14 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: VA

Complaint narrative:
To my knowledge the company I talked to about paying my balance in installments of {$50.00} was XXXX, not XXXX. Now diversified consultants ( on the behalf of XXXX XXXX tried to access my account for {$50.00}. I was told they would only access it once if not successful I would have to call to set up another payment. Instead they kept charging my account first the {$50.00} then {$10.00} overdraft fee, pushing my account to a negative $ XXXX. I was in between jobs waiting for my first check and it took a dent out of it before I even got it. I tried calling they put me on hold and never came back. A XXXX time they sent me to a voicemail and never called back. I even sent a message and I still have n't gotten a response. I do n't even remember giving them my account number I thought it was XXXX I do n't know I could be mistaken. Either way I ca n't even get in contact with them to be provided proof or documentation, of anything. I now have to change my account number, because they just keep going in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 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: AL

Complaint narrative:
Checked my credit report to find Diversified Consultants trying to collect on some old wireless phone bill. Consumer was never notified about this account ; just placed on my credit report willy nilly. I do not owe this company anything, and how is it that a debt collector can just place inaccurate information on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I attempted to refinance my mortgage. I was emailed documents to sign electronically to continue with the loan process. In the documents it stated a XXXX dollar loan amount instead of the XXXX dollar loan amount. The company refused to correct the issue and told me to just sign the XXXX dollar document.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I recently obtained my XXXX credit bureau reports and was shocked to find an account on there that is in my name under USAA Savings bank. It is fraudulent. It is not and has never been my account. The address listed on this account was never my address. I did not open this account. I demanded immediately all proof that USAA is providing to the XXXX credit reporting agencies to " verify '' this account. Was this opened online or at a branch? Do you have a copy of the original agreement? Was a drivers license used in obtaining the original account when it was opened? Do you have a copy of the original contractual agreement? USAA has refused to verify this account and continues to disregard multiple inquires XXXX on the phone and through the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I am being harassed and threatened by Shellpoint Mortgage Servicing. 
Pursuant to the XXXX suit between investors, XXXX XXXX XXXX and XXXX XXXX XXXX, Shellpoint is XXXX of the approved servicers for XXXX. 
I have no outstanding mortgage with any entity mentioned herein yetShellpoint continues to send me threatening letter to foreclose on myproperty unless I pay them money. I owe them nothing. They areviolating numerous laws by threating to take a legal action they cannotlegally take. I have made numerous demands for Shellpoint to stop theirattempts to collect a debt that is not due and to stop contacting me, yetthey continue with their predatory, misleading statements, false claims, anddeceptive acts and practices. Seven years into the greatest financialcrime ever perpetrate in the annals of the world and this behaviorcontinues unabated. Moreover, I never contracted with any party namedherein and no party ever perfected a lien prior to my 2008 Ch. XXXXbankruptcy. 
Kindly stop these XXXX of old from harassing me. 
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 2015-09-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
This is a follow up to complaint # XXXX where the bank USAA resolved the issue in my favor but as " revenge '' decided to deliberately disable my overdraft protection linked to my USAA credit card on both of my checking accounts. Customer service there following the complaint only got worse and more rude where they could n't answer the most simple of questions of when the hold policy would change as it applied to me because I was getting conflicting answers. They suddenly decided to do as I asked one day, refunding the interest charged on my credit card and lifting the hold policy but decided for some immature unprofessional reason to disable the overdraft protection on both of my checking accounts, which has now resulted in a {$29.00} overdraft fee from them on XXXX plus probably interest and a late fee from the credit card company requesting the payment. I really do n't understand why they ca n't be straightforward and professional instead of having a temper tantrum. The complaints will continue until they do the right thing without exceptions.

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 2015-07-24 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: Collection Bureau of America Ltd.
State: MD

Complaint narrative:
I paid my debt in full on XXXX XXXX, 2015, according to the balance they told me. I called them on XXXX/XXXX/2015 and asked them why they had left a message on my mothers answering machine ( my old number ) about a debt and someone told me to sign some paper and then hung up on me I received notification from a credit monitoring service they were still reporting an open collection balance of {$25.00}, as of XXXX/XXXX/2015. No one ever mentioned a {$25.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 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: TX

Complaint narrative:
Hi, I requested for a detailed statement of an amount that a debt collector is requesting for me to repay for a cell phone service I had for over 10 years. The debt collector/original collector sent me a bill with the full amount due with no description/breakdown of the amount owed. Can you please look into this issue. 

Original Creditor : XXXX Collector : Diversified Consultants , INC Account # XXXX Agency File # XXXX Balance Shown # {$590.00}

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: TX

Complaint narrative:
My husband and I have been separated since XX/XX/XXXX. He is XXXX ( XXXX ) and goes through XXXX of running credit to see who qualifies him for a loan and when he gets qualified he acts like he won the lottery. He has been doing this since our separation. Now that his credit is maxed out and is no longer getting approved for loans he has gone to the extent as putting me on as the co-signer without me knowing. This happened two weeks ago XX/XX/XXXX with USAA. He ran an online application for a loan with USAA since he did n't qualify for the {$10000.00} loan he dishonestly put my social security number as a co signer. He got approved for the loan. USAA, very well known bank/insurance for military -- well they, never contacted me to inform or verify with me that there was a loan being processed under my name and I was the co applicant. I only got an email after the fact saying congratulations your loan has been finalized call us immediately if you did not apply. Well I have gotten nowhere with USAA. I placed a police report sent them everything possible to prove to them that I did not apply. I am trying to deal with this along with finding a full time job, take care of my child and get this marriage over and done with. I hope banks and credit companies understand that this is a serious issue. Just because one is married does n't mean one spouse has the right to run your credit without my knowledge, companies should VERIFY with applicants AND CO APPLICANTS. Apparently, he applied on line he e-signed everything and USAA never verified. Everytime I call USAA my account is locked for investigation " we can not open your account '' all the agents tell me I will get called 24-48 hours from today. This has been going on for two weeks now. I will never trust military banking for anything especially this one. It is used by many military and overseas as well and I am left to just wait ....

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 2016-10-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI

Complaint narrative:
Attempting, for the second time, to resolve USAA credit card disputes. ( See attached for complete list of disputed charges )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Credit & Collection Corporation
State: MI

Complaint narrative:
Been receiving multiple calls per day from XXXX, which leaves a prerecorded message to call regarding a debt. It also gives an option to speak to a representative. I opted to do this to find out what this is about. The operator asked for a relative, who has never lived with us yet our number was the one they had on file. I told them that the person they seek does not live here and asked to be removed from their caller list. The operator said he could not do this without a new number being given. He also said they are not required to stop calling. 

This is simply harassment by proxy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: MA

Complaint narrative:
The problem originated from an automatic billing system from XXXX XXXX XXXX in XXXX, SC. I moved from the area in XXXX XXXX to the XXXX. 

On XXXX XXXX, XXXX I thought to cancel my account after receiving bill notices. I paid a Balance of {$69.00} to XXXX XXXX, which does billing for the health club. This included payment for two months past due and a {$19.00} service fee. 

A Cancellation Notice was sent to XXXX XXXX stating to cancel membership. This was done before their next billing cycle, but they conveniently for them made " an error '' and continued to bill me. 

It is now XXXX and after review of a Credit Report dated XXXX/XXXX/XXXX I became aware of an amount of {$99.00} being reported as Delinquent - In Collections by First Credit Services on behalf XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX have been made aware of the mistake which was no fault of my doing and First Credit Services was contacted which updated my account as removed and {$0.00} Balance. 

My complaint is with First Credit Services - XXXX XXXX XXXX, XXXX XXXX - XXXX, NJ XXXX. I have repeatedly tried to contact them to obtain documentation stating that the Account ( Reference # KB XXXX ) has been closed and that it has {$0.00} Balance, as well as tried in vain to get someone from their company to expedite the process of removing it from all Credit Bureaus, since it was a mistake made in their chain of command. 
I have been consistently transferred all over their phone system, hung up when I ask to speak with a Manager, I also believe that I have been lied to as to Names and Titles of their Associates. I have been told more than once that Supervisors will call me back, and it has yet to happen. I know the system recognizes my phone number and sometimes when I call it will send me directly to voicemail. I have audio recordings of every single call which depicts their unfair, shady, and deceptive 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 2016-12-10 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: OR

Complaint narrative:
I sent {$760.00} from my XXXX account to a bank account in XXXX on XX/XX/2016 ( Monday ) using Remitly.com. The funds were to be delivered to the destination bank account by Friday XX/XX/2016. To this day ( XX/XX/2016 ) the funds were not received in XXXX, nor returned to my bank account. Remitly has no idea where the money went, and can not produce any proof that they correctly executed the money transfer from my account to the one in XXXX.

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 2015-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Union Adjustment Company, Inc.
State: CA

Complaint narrative:
I would like to say false statement is correct on the drop down statements but crime by not paying debit is not correct but system will not go forward without choosing XXXX more choice and there is not a correct XXXX for my complaint ... ..so pls disreguard my choice on XXXX drop down ) Under XXXX report info there is a collections from XXXX CITATION CENTER for {$110.00} which has been paid in full and shows closed, with a derogative remark which I feel very strongly needs to be removed .I continue asking for assistance with this matter. A little background would be in XXXX trauma accident XXXX I share that info only to show how until last year ( 5 years after accident ) I was not in any condition physically or more importantly mentally and emotionally to absorb most things going on around me on a daily basis. In XXXX I came across a bill ( from XXXX citation ) for {$110.00} which showed no indication what it was for ( Ihad had a bill for the same amount for XXXX transpotation which was directed XXXX so therefore I THOUGHT THIS WAS SAME DEBIT AND HAD BEEN TAKEN CARE OF AS IT WAS NOT MY BILL. I called immediately and asked what info was attached to that bill, I apologize at this time as I cant recall what the lady on phone told me but I recognized that the item was my debit and so I explained my circumstances and sincerely apologized and paid the debit immediately during the phone call, as was my responsibility .I have been recently been trying to work on my credit as within 2 months of accident many thousands of debit was fraudulently put in my name, I am very glad to say that for someone who has never had bad debit issues my credit score is now repaired and therefore to read on my credit report that this company choose to put " disputed resolved, customer disagrees " is so distressing to me when I agreed the debit was mine and paid with no problem and I also observe account reported XXXX XXXX XXXX and then again XXXX XXXX XXXX??? what does this mean? ( I question if the customer service with this company gets a bonus or at least recognition for any debit collected and if it seems like they worked hard, put pressure and received payment they shine brighter to management, more than simply taking a payment by phone??? THIS WAS NOT THE SITUATION ) YET this agent felt it necessary to put such a remark which stays negatively on my credit report, its is false .Thank You for your attention in this 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 2015-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phillips & Cohen Associates, Ltd.
State: MI

Complaint narrative:
I received a false statement saying that my recently deceased Husband owed a third party some debt. My husband owed no one anything.

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 2016-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
COLLECTION BUREAU OF AMERICA has not responded to claim on # XXXX. They have not provided proper validation of the debt and they continue to report to the credit companies. COLLECTION BUREAU OF AMERICA is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.

Company response to consumer: Closed
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MD

Complaint narrative:
American Medical Collection Agency has called me at least 10 times a day, after I specifically asked them not do. They were very rude on the phone. This is regarding a {$92.00} debt from XXXX, that is incorrect. I told them that my insurance was not billed correctly ( they billed XXXX instead of XXXX insurances ) and that I was working on it with XXXX and thus was not going to pay it until the proper insurance went through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
I have sent company 2 letters asking for validation of debt. I have never received any communication from this company before they appeared on my credit report. Which violates FDCPA 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). The first letter was received by company XX/XX/2016 by certified mail with 30 days to respond with validation of debt, I received nothing, which also violates FDCPA 809 ( b ). Second notice was received by the company on XX/XX/2016, again by certified mail. After they received my second letter they removed their company name from XXXX thus reporting inaccurate information and violating another FDCPA law. Failure to report these accounts as disputed to all XXXX credit bureaus is yet a fourth violation of my rights under these laws. Reporting on my XXXX report they have returned all accounts back to original creditor but not removing their contact info. As if to defraud and confuse me by making me think they no longer hold these accounts and also reporting with a past due amount of {$0.00} and no payment status. This is also inaccurate and untruthful reporting. I am requesting that these accounts associated with this company be removed from my credit reports due to inaccurate reporting, failing to validate all debts associated with this company, failure to respond with validation within 30 days of request, and failure to report as disputed to all credit bureaus. Each violation carries a {$1000.00} fine. Commercial Trade Bureau has repeatedly violated these laws. Commercial Trade Bureau XXXX , CA XXXX

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