vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I originally contacted USAA 23 days ago requesting the reversal of an auto loan payment because a double payment was drafted/made for the XXXX balance due on my auto loan. Instead of reversing the extra payment that was not supposed to be drafted, USAA drafted another one on XXXX XXXX. This made three auto loan payments taken out of of my checking account instead of the one authorized monthly automatic deduction. Because of this, my bank denied the ACH transaction ; understandably so. Since then, USAA has been unable to rectify this situation. I have given USAA full rain over my checking account to fix this. 23 days later, with four payments in one month being withdrawn for my auto loan even though only one was due, and a dozen phone calls to USAA, my auto loan is still being shown as past due. They are saying one more payment is being drafted as well, that makes XXXX auto loan payments in one month and my account is not fixed. The payments USAA is drafting from my checking account are not being reflected on my auto loan. I have been more than patient, but this is an item that could drastically affect my credit and USAA has been unable for 23 days to correct this deficiency. I will not allow the inability of USAA to correct this account and reflect it as current destroy my credit. The keep taking payment after payment out of my checking account when only one was due. Attached is my bank account summary of transactions, and the USAA auto loan summary that does not match the withdrawal history at all, and shows my account not being reflected as current after XXXX payments and 23 days ( with one more " required '' before they update the account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 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: TX

Complaint narrative:
I purchase a phone on XXXX/XXXX/2014 and paid {$140.00} to XXXX XXXX XXXX. I have been told that I have two weeks to return the phones in case I change my mind. After a week I realized that I do n't have the budget to pay such amount on monthly basis, so I returned it. I was told that they will reimburse me only {$75.00}. So I paid for a week {$70.00}. I was ok with it. Then the phone was sold to another client and never changed the billing. When I received a letter that my account was sent to collection, I went to the store and asked for explanation. They could n't even connect the phone to my name, but to another client. The manager just said we ca n't do nothing and we are sorry. I went ahead as I did n't know what to do and paid a bill that it is not even mine, but this is still showing up on my credit report and it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
I started working with a company called LOAN DEPOT. I sent a ton of documents. This went on for several weeks. Tax forms faxed to the second person handling our refinance. I was told it was go and everything looked good. We have excellent credit. I explained everything that was on our credit report. He told me that he would be needing an appraisal at some point. I told him let me know because I use a medical debit card and would need to put the money in. I was in an accident had to go to the ER and and when I went to pay my card was declined. I checked my account and they took out XXXX without telling me. My husband has loan on his c credit report but I explained that we do n't pay the loan my son does. And h he has been for 3 years. 
I was upfront about this and they said it was not a problem. I asked for my appraisal back since they did n't give me the loan that they said was a go..I was told it would go into for review about the refund. They once again sent and email denied the refund. I was told by another mortgage company that you do n't do an appraisal unless you review all the paperwork, tax returns, credit reports etc ... These guys wasted weeks of time, energy, and money only to get nothing. I have refinanced before and never have I had so much problems with documents having to be refaxed. I was told that you ca n't fax documents. 
I just want my XXXX back. I am with another bank and had to pay for another appraisal. This loan is a go but these people lead me on and just c continued to ask for more documents that they already received. It took six weeks to figure out whether or not we would qualify. Well we certainly ha had all the documents in order. We have very good credit. Just stole XXXX from me and probably knew they would never go through with the refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Ria Envia, LLC
State: PA

Complaint narrative:
My name is XXXX and I have been doing transactions for many years now through XXXX ; XXXX and YESTERDAY TRIED RIA MONEY TRANSFER AND WAS CANCLED LAST NIGHT AT XXXX.. I did not have any problems up until last week. I am surprised I ca n't send money to a family friend that needs and I have been able to do transactions in the past and suddenly ca n't do any now and need your help to lift my name and clear it out of this mess. I have confidence in this person and know him very well so he is not a stranger. The main issue here is all these transfer companies have been cancelling my transaction .Please have these companies lift the ban of American 's sending money overseas because I have family and relatives including friends that need my support and it is not fair shutting down favors and besides I think it 's an infringement to your fundamental human right which they should n't allow. I might have to take legal action against your Consumer Financial Protection Bureau. This ban is not only affecting me but lots of Americans that do money transfers and are not able to help their families and friends to send for special occasions money overseas as well. It is not just me having the problem ... ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA Bank located at XXXX XXXX XXXX in XXXX XXXX, Texas XXXX place fales and negative information on all XXXX credit bureaus. I proved to them that I was a victim of identify theft with copies of the IRS, FBI and Police report that some unauthorized person used my credit card without my permission. I paid what was mine portion and received a letter from their collection agency XXXX which states. This Account has been settled in full ''. They still refuse to comply with FCRA rules and ignore all communication. this is destroying my pesonal credit and I need your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: NJ

Complaint narrative:
I ordered a money transfer to XXXX via Ria XXXX XXXX on XXXX/XXXX/2015. Prior to this, I used their service few times and never had an issue. On this occasion, XXXX was unable to credit the money to my recipient 's account within XXXX business days. I requested the order to be cancelled on XXXX and till today they have n't refunded my money. I keep calling their customer service everyday, and each time the give me an unacceptable reason that the correspondent bank is not acting fast enough. As a customer I do not care about their partners. It has been over a week now and I am still waiting to get my money back from Ria.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: NH

Complaint narrative:
I applied for a mortgage with loan depot. I went ahead and filled out the necessary paperwork to apply for the loan. I made a specific request that I wanted a 30 year fixed loan. I gave him my credit card number for the appraisal fee. I noticed a 15 year arm loan on the application. I was upset and asked him about it. He said that I could get a better rate if I shorten the term and did n't lock on a rate. I told him I was very upset because he did n't do what I wanted and that I wanted to cancel the loan. His manager called me and apologized and tried to change my mind. I said, " no '' and that I wanted my appraisal money back. The manager said he would refund the appraisal money and apologized. That was in XXXX 2016, I have n't received my money back or received a response from the email I sent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
These people are calling and harassing my XXXX daughter while she is at school.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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: MD

Complaint narrative:
I moved from my condo and disconnected my bundled tv through XXXX and XXXX and paid the bill off through XXXX & XXXX, however XXXX turned the amount I paid them to satisfy my bill into a debt collector. I 've contacted XXXX 8 times and they have where I satisfied the bill but have n't contacted the debt collector to take this charge off. I do not owe the {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: MB FINANCIAL, INC.
State: IL

Complaint narrative:
I have a checking account at MB Financial and on XXXX/XXXX/16, my account became overdrawn. XXXX transactions came through totaling a negative balance of {$27.00}. The bank charged a total of {$110.00} in overdraft fees. I was unaware that I was overdrawn and made a deposit the next day ( XXXX/XXXX/16 ) for {$340.00}. I did not account for the {$110.00} and became overdrawn a few days after that. I received notice in the mail about my first overdrawn occurrence 5 days after the fact, but could not get to the bank until Monday, XXXX/XXXX/16. I immediately initiated a transfer of {$200.00} from another account on XXXX/XXXX/16 and {$180.00} in cash which was deposited XXXX/XXXX/16. The transfer did not show up until XXXX/XXXX/16. The tellers at the branch I opened the account at were not able to help me out and informed me I would have to wait for the branch manager, who was newly hired and in training, until his return on Thursday, XXXX/XXXX/16. I tried to get a hold of the manager via phone Thursday, but no answer. I then went in to the branch in person on Friday, XXXX/XXXX/16. By that time, I had accumulated another {$250.00} in overdraft charges for a grand total of {$360.00}! The manager would only agree to reverse XXXX overdraft fees totaling {$74.00}, however XXXX of the {$37.00} reversals boomeranged and so to date, I have only received XXXX {$37.00} overdraft fee reversal. So I am paying {$340.00} in overdraft fees so this bank could cover {$150.00}... If this was a loan on {$150.00}, and the fees were interest on that loan, I am being charged 225 % in interest! I feel this bank 's policies are deceptive and prohibitive and although I have been banking there for the last several years, once I get this resolved, I will no longer bank at XXXX XXXX. I am currently working XXXX part time jobs, XXXX of which is my XXXX, as I am presently also a XXXX XXXX XXXX. I do the best that I can and try to keep an eye on my accounts and although I was caught off-guard with allowing my account to be overdrawn, I feel this bank is very greedy and their fees are exhorbinent and excessive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
I have been a loyal customer of Capital One for over 10 years. I recently opened a separate card with Capital One, transferring a balance from another card. Ever since moving from XXXX to XXXX, I have had nothing but issues with them " not receiving payments '' or when I call in a payment, they do not apply it in time, so then they charge me a late fee. When I call about the incorrect late fee, they tell me they will " reverse it '' and it should be reflected on my next statement. But then the cycle repeats. I make a payment they either " did n't receive '' or it 's applied too late and yet another late fee is applied. This happened for months and months and months on end with both Capital One accounts. I notified them in writing and also contacted their fraud department to complain, but to no avail. They insist on charging late fee after late fee. I have notified the Attorney General 's office here in XXXX and they have contacted them on my behalf, issuing them a cease and desist order, but of course, my credit score has taken a huge hit because of the late fees. Until this is resolved I have not been paying them anything because it does n't matter when I do. Their business practices are shady at best and illegal in my eyes. 

Capital One and the like are a bunch of crooks ripping off the people who pay for their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
My husband recently XXXX. Prior to leaving he submitted the required paperwork to USAA ( just as he had done for previous XXXX ). Recently we received a letter from USAA denying our SCRA benefits and they would not be lowering our interest rates to the 6 % let alone the 4 % that they advertise. They state that we incurred the debt after entering into this activity duty status, therefore we do not qualify. Since he just recently XXXX, this is not possible and the debts were previously incurred. After multiple XXXX and submitting this paperwork to multiple institutions USAA is the only financial institution that has denied the benefits. I would also like to note USAA did not deny our request for the previous XXXX. I was transferred to XXXX different associates that failed to assist me. When I spoke with one of the representative at USAA he stated that this benefit only applies to reservists, when they are called to activity duty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I contacted several mortgage companies a few years ago to refinance and chose USAA. I asked each one of the mortgage companies if I could make bi monthly payments to pay down my mortgage sooner and USAA said yes. After the refi was complete I reached out to set up my extra payments and was told that I had to pay to participate in a program to be able to make extra principal payments. This is my complaint. I should not have to buy a program to pay off my mortgage with extra principal payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I wrote to your company earlier re case # XXXX. My USAA Mastercard was compromised from XX/XX/2016 thru XX/XX/2016 for over {$9000.00}. It took countless phone calls from me, a letter from your company, and much additional paperwork to finally get this partially resolved XX/XX/2016. There are still XXXX additional charges I did not make on XXXX XXXX, 2016 for {$350.00} each. I have called their fraud / identity theft departments 4 times, spoke at length to agents, and I still have the charges totaling {$700.00}! I have received XXXX different USAA credit cards all with different numbers, have NOT activated any of them, so how can I have charges? The last agent I spoke with, XXXX, on XX/XX/2016 did some research and learned these charges were made in XXXX! I, of course, was not in XXXX and did not authorize these charges for {$700.00}. I asked her why any of the other XXXX agents did not tell me that information. She said they just did n't bother to look! I am perplexed as to why USAA, a company I have been with for many years, and touts itself as a support to military personnel and their families, is having such a difficult time resolving this fraud issue!! My XXXX XXXX XXXX and XXXX XXXX card were both compromised XX/XX/2016, the fraud was dealt with, the accounts are being monitored, and all is well. What is the problem with USAA?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I 've had this account since 2011. Not one time has a payment I 've made ever been returned back to capital one. The last two times in a row now that I 've made a payment, capital one has placed a hold on that payment, effectively freezing a large portion of my money. It has left my bank account, yet held by capital one and I am not allowed access to that payment. Each time I have to make a phone call and go through a lengthy process to release my payment. This second time, I was transferred to a supervisor and actually told my payment was being held because I pay my debts more than once per billing cycle. Seriously, I am being penalized because I actually pay off my balance more than once per month? Each time I have called, they have released my payment and then had the nerve to spin the conversation as if somehow they 're doing me a favor. If my payments can be released with a phone call, then why are they being frozen in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: NV

Complaint narrative:
I am in the market to refinance my currant mortgage held by XXXX XXXX XXXX XXXX in Nevada. I went on line and found a company called LoanDepot. I spoke to XXXX XXXX on XXXX/XXXX/2016 who took {$10.00} and we talked about possible loans available for my situation. That situation is simply we have a 5.6 % mortgage loan and now that home values are coming back up I wanted to refinance for a lesser rate, no cash out nothing, just refinance. As a XXXX Veteran he said I could qualify for a VA loan. I explained I had done that twice and he said you can do it again. If the loan was assumed and not paid it would be on m Credit Bureau. Okay. So he gave me a rate of 3.625 % and told me he 's been doing this for 9 years, he 's a great person etc. He said he would send documents email later that day and call me in the evening and go over everything because logging in can be a little tricky. then they would get a VA appraisal for {$200.00}. No call, nothing. LoanDepot never called back. On top of that XXXX showed that LoanDeport through XXXX inquired XXXX/XXXX/2016 on my credit report twice and really kicked my credit score. Then I get a call from their customer service (? ) wanting to know how things were going. When I told them what happen they were like, oh, asked who my loan officer was and hung up. You need to look into this company. Something is very wrong with what they are doing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: RMA Credit Association
State: TX

Complaint narrative:
I was told by their secretary at the time that my insurance was included in their group and my XXXX would be {$40.00} which I payed at the clinic

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