vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
XXXX XXXX Account Executive, XXXX # XXXX XXXX XXXX Processor, Retail PennyMac Loan Services , LLC Both reps were rude and not friendly. They scheduled a closing date and tim, XXXX XXXX, 2016 at XXXX XXXX. No one showed up. Nobody called to cancel or to reschedule. I called to speak to a manager. It has been four days and no one has called. I have XXXX different closing disclosures. The XXXX one has me borrowing almost a thousand dollars more than what I owe. Plus all the loan costs have changed. The loan costs, other costs have all changed. WHY? One disclosure shows Title insurance went from {$400.00} to {$400.00}. Why have all the figures for each specific loan cost changed? Seems to me they are just playing with the numbers to fool me into signing. I NOW FEEL LIKE I CAN NOT TRUST THESE PEOPLE AND WANT TO CANCEL THIS REFINANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
On XXXX I received alerts from both XXXX XXXX and XXXX XXXX that new items were on my credit report. Midwest Recovery Systems reported that I have a collection account on my reports. I do not have any collections, I pay all of my bills on time. I have never received any dunning letter from this company whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Hirshberg Acceptance Corporation
State: MI

Complaint narrative:
To whom it may concern I have been in contact with a debt collector that works out of the office of XXXX. 
Address : XXXX, XXXX, MI XXXX. 
They claimed that they had sent notices about the credit card debt but I never received any information from then until I had been informed from mine and my wifes bank that our savings account was being garnished. After I contacted the company I received a letter from them. I sent them the information they requested and a letter of debt validation ( certified mail ) on XX/XX/2016. I called them today XX/XX/2016 and they are refusing to send me any information about the debt they claim I owe. From the research I have done they are breaking the law under the ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Hirshberg Acceptance Corporation
State: MI

Complaint narrative:
This company has been garnishing my State taxes the past eight years and recently have begun garnishing my wages and attempting to garnish my bank accounts. I have never received any information as to what the debt is that I owe, how they acquired it and how much it is, or whether or not there is an option to make monthly payments. The only contact I receive from them occurs after a court date that I was not made aware of, usually stating that I owe them the exact same amount every year and that they have been awarded my stat taxes. Recently I attempted to call them to find out the nature of this debt, no one answered the phone and my call was not returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I am a XXXX and have been a top producing agent for more than XXXX years. My buyer used Loan Depot to obtain financing. From the get go, XXXX XXXX ( lender at Loan Depot ) never returned emails. I would get a couple here and there, but I would have to send multiple emails to get a response. After 3 weeks of her having the contract and clsoing date, she sent an email out that we needed an extension on the closing because she just locked the buyers loan in. That is after 3 weeks of being under contract. I was getting no where with XXXX because all of her answers didnt help, so I had to get in touch with a Manager. I spoke to XXXX XXXX. That was about 3 weeks ago and he said he reviewed the buyers file and it was a " squeaky clean, '' and he let me know he is a solid buyer with no issues. I relayed this to the seller, even with the sellers mother ( who is a broker in the area ) told me she does n't feel good about this company, and that is why they allowed the extension. I convinced the seller that everything would be ok and XXXX XXXX said the deal was going to be easy and there were not going to be any issues. All of a sudden I received an email from XXXX that stated the loan was denied. He would not give me any specifics, so I had a local company run the buyers credit, well the buyer did not get financing because of his credit. Its sad that Loan Depot took 40 days to figure out his credit was going to be an issue. I do n't get it!! I looked at the pre-approval letter andit said this was already taken care of. This is something that should have been known from the get go. I feel bad for both the seller and buyer. The buyer wasted $ XXXX on the inspections and appraisal and the seller was purchasing a new home and wasted {$1000.00} on her inspections and appraisal. I am just tired of companies like this lying to buyers and sellers and it needs to end. I am a real estate broker and if I conducted business like this, I would expect to lose my license or would have to take more schooling because I dont know how to work in this business.

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: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
After a major robbery and idenitity theft issue USAA BANK decided to hurt our lives more and keep all our money in our savings account and committ a huge embezzlement and fraud issue. USAA BANK has committed several upon several banking and credit card and bad faith insurance issues and XXXX our lives and destroyed my career and laughed at me and said to bad your not military and that you are XXXX to me. They were very mean. Before this my life was going so well. They XXXX me. I have nothing left and can not get my life together cause as of today they still are hurting my life. They stole over {$15000.00} from savings account and well over {$12000.00} in checking, refused to pay out over {$75000.00} promised in other issues that caused well over {$150000.00} more out of our pockets, made me spend over 20 hours for 4 years to do paperwork then to only laugh and say we are not paying you. CEO XXXX told me he did not care about me or my life. Very scary stuff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
The company calls me repeatedly from similar phone numbers. If I answer, the call is immediately disconnected by their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Advance America, Cash Advance Centers, Inc.
State: OH

Complaint narrative:
I sent out a Cease and Desist letter to have Advance America stop all collections efforts. They sent out a letter in the mail which I consider a scare tactic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 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: TX

Complaint narrative:
Diversified Consultants Inc. has been sending me harassing me w phone calls ( up to XXXX per day ) and letters ( XXXX or more per week ). They claim to be collecting money on a 4 year old XXXX account, but when I called XXXX they said the account closed and that I never owed a debt. I have disputed this with the XXXX credit reporting agencies and they removed the Diversified Consultants claim a month ago. But the company refuses to stop contacting me even though the debt does n't exist. I have requested proof of the debt and they have not provided it ( it does n't exist ) but they still keep contacting me. They refuse to talk to me unless I provide them with my SS # and address, I think this is a scam to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Advance America, Cash Advance Centers, Inc.
State: SC

Complaint narrative:
Left a voice mail on my phone threating to serve papers at work, they also spoke to my supervisor, and told her they were going to serve papers XXXX at work. Then this person threatened me with criminal charges. Check fraud t be exact.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
My Mastercard with USAA was compromised, and I was a victim of Identity theft. I was checking online for a statement since I did not receive one for the current month and there were many charges from XXXX listed. I never made ANY of these charges, and my concern is why did n't the USAA Fraud / Security department alert me to these charges. I have had the Mastercard since XX/XX/XXXX, and have NEVER purchased anything thru XXXX. The first charge was on XXXX XXXX, XXXX and continued thru XXXX XXXX, XXXX. There were XXXX charges to XXXX XXXX, totaling over {$9000.00}!!! When I called USAA, all I got was : " gee, I 'm sorry. I do n't know how that could have happened. You must have fallen thru the cracks! '' How can I have confidence in a company that does not monitor accounts? All but XXXX of the charges have been credited, the account was closed and I have received a new card. But there are XXXX remaining charges from the same XXXX XXXX, totaling {$1400.00}. I have tried 4 times to get someone from USAA Fraud/Security to correct these charges. First on XXXX XXXX, then on XXXX XXXX, then on XXXX XXXX, and finally today on XXXX XXXX. After being " On hold '' for 20 minutes each time, I spoke to a rather incompetent agent who merely said " Wow, there 's alot of charges and credits. I 'm sure it will be fine. '' I still have {$1400.00} outstanding that I did not charge. He did n't know what to do, so I asked to speak to a supervisor. After being " On hold '' again for about 7 minutes, he said he 'll take care of it. What?? I want to speak to a Supervisor. He said they 're too busy now and will call back. That was 4 hours ago. I am very upset and frustrated with USAA, who portrays itself as an aid to military- ( my husband and daughter are military. ) The fact that this happened in the first place is very upsetting, but the fact that USAA is not trying to resolve this is more concerning!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Recoveries, Inc.
State: PA

Complaint narrative:
I 'm on XXXX and there not supposed to be able accordingly to there letter to touch my XXXX but the have for the last 2 months and I 'm on XXXX also and I 'm XXXX household

Company response to consumer: Closed
Consumer complaint received 2017-03-08 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: OH

Complaint narrative:
I have an unverified account from Diversified Consultant. I had previously disputed this account. I have never done business with Diversified Consultant. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Diversified Consultant provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Diversified Consultant Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XXXX is reporting a charged-off account with a balance of {$1000.00} with a high balance of {$1400.00} on my credit report. I do not understand how they came to this balance considering that this was a {$500.00} secured credit card. A card on which I put down a {$500.00} deposit which I never received back. Please have XXXX provide me statements for the account corroborating the balance that they are reporting on this account as well as the high balance. How could I charge up {$1400.00} on a {$500.00} credit card? I am requesting this information based on 623 - 15 U.S.C. 1681s-2 ( C ) ( i ) " included on or with any notice of default, any billing statement, or any other materials provided to the customer ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I received an offer from LoanDepot ( my mortgagor ) that I could save interest on my loan if I signed up for their budget billing program where they take my XXXX/XXXX my payment twice a month and then twice a year they take an extra payment. This was very misleading because they do n't apply the payment until the XXXX payment is made. They are taking my money and using it for XXXX the month without any benefit to the consumer. I can make a thirteenth payment at will. I am a XXXX and understand what is going on. To the typical borrower that if very misleading and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Diversified Consultants, Inc.
State: DE

Complaint narrative:
Last XXXX I was contacted by Diversified Consulatants for a debt owed by an unknown person named XXXX XXXX. Several calls were received and during XXXX conversation I was calld a XXXX by the agent handling the call. I advised during each attemp that the debtor was unknown to me and that they were calling the wrong person. Several months have gone by and I have started to receive these calls again. The first phone call I asked the agent to provide the name of her company and she refused. She kept asking if she had XXXX XXXX on the line and eventually hung up on me. I immediatley called the number back XXXX and requested a manager. After holding I was transferred to XXXX XXXX 's voicemail where I disconnected the call. I called again and spoke to XXXX XXXX who identified himself as an acting supervisor and refused to provide me with an actul member of management until I went through all of the various agencies I was contacting. I am asking that these calls stop once and for all. The supervisor that I eventually spoke with XXXX XXXX assured me that my number was being removed, however I have been told that in the past. This company violated TCPA as they are calling my cell without my permission and FDCPA by refusing to provide the company name, adhering to my cease and desist request and the use of vulgar XXXX slurs. I am feed up and there harassment is stopping me from completing my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 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: GA

Complaint narrative:
Debt was from identity theft and not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I recently refinanced to a loan with Loan Depot, XXXX XXXX XXXX XXXX Tx. XXXX. Loan Depot never sent me my statement the first month I was with them. I called in on XX/XX/2016 to get a statement. Loan Depot sent me a statement and I made my payment over the phone. I called back XX/XX/XXXX and XX/XX/XXXX to make sure payment was received because I did n't see it come out of my account. Both times, I was reassured that my payment went through and posted. My payment did not post due to a wrong account number and I was charged a fee for this. I called in multiple times to confirm that payment went through and was reassured both times that payment went through just fine.

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: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I have contacted USAA several times about changing the payment due date on my credit card. Every time I call, the representative says that USAA has not yet authorized " the system '' to allow for payment due date change requests. I have always paid on time and have a good credit score above XXXX. I am working for a company that pays me on the XXXX and the XXXX instead of the XXXX and the XXXX. I need to be able to pay my credit card bill with my paycheck on the XXXX but my credit card due date is the XXXX of each month which if I do n't pay by the XXXX, I will incur late fees. USAA does n't ever explain why they wo n't allow a change to the payment due date, I am just told by the rep that " management has not yet authorized it ( payment due date changes ) ''.

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 2015-07-31 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: FL

Complaint narrative:
Advised me that as long as I set up payment plan with them they would not report to credit bureau. As soon as I started payment they reported it to my credit. Then I called and they said when I finished payment they would remove it. Then they said they never said any of that. Then they refused to provide me with the transcripts or recordings after I repeatedly asked. Then said again they would remove from my credit report and did n't. Refused to provide me with my communication with them. They also called me after I paid saying I still owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
The bank USAA refuse to remove my name from a credit card over which I have no control. The card is not in my possession, it belongs to my ex-wife. She has complete control over the card, it 's balance and all payments associated with the account. It also carries a high balance, and this negatively affects my credit rating. I simply want to have my name removed from the account and to have my credit rating restored.

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 2015-07-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XXXX XXXX, 2015, USAA illegally closed all three of my credit card account with balance on them. They have never been late and always paid on time. They say it was my unacceptable behavior or activity with none of this occurred. Now my credit score is low because of this problem. I never had problem with the bank.Credit score damageCard cancellations can impact your credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I received XXXX notification by Diversified Consultants Inc in XXXX 2015 ; I had 30 days to make arrangements per law or the debt will be reported on my credit report. I went online and made my first installment within 30 days ; company accepted terms, collected first payment and the company still falsely reported to the credit reporting agencies as unpaid amount ( which is not trueO and I continue to make no attempts to pay the debt. This has caused undue hardship to my credit score and is in violation of the consumer credit laws.

Company response to consumer: Closed with explanation