vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-02 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:
Our main complaint is over ( a ) how XXXX company handled a case for which we owed NO DEBT ; and ( b ) how Diversified Consultants Inc is constantly harassing us to pay a debt that we do not owe. 
We signed up for a phone contract, paid a deposit and within a few days we cancelled the contract over the telephone and the CSR advised me to not accept the phone upon delivery. The deposit was refunded to us as the CSR advised. Shortly after this, we received a bill of {$190.00} from XXXX. We called another CSR explained that it was a mistake and that we should disregard the bill. A month later, another inflated bill arrived and we called XXXX again. We were told the same story again by another CSR. We continued to receive at least another inflated bill. In late XXXX we called XXXX for the fifth time and yet another CSR and a project supervisor confirmed that the bill was sent in error and that we did not owe any monies. We received a confirmation email telling us that the handset was returned and that " a credit card refund for the returned device '' would take effect, and also that " the XXXX on the account '' had ended.Handset Order Reference : XXXX. Two weeks later we received a letter from a debt collector DCI informing us that we owed {$190.00}. Given that we have NEVER used this phone, nor accepted it, and that we cancelled the contract as advised by a XXXX CSR, we are being harassed for debt that we never ever owed. We have contacted both XXXX and DCI and were advised that our case was closed with XXXX XXXX and handed over to a debt collector. The fact that this even occurred after our numerous attempts to reach both XXXX and DCI is absolutely appalling. We are complaining against both XXXX and DCI for their false debt collection, poor handling of our case, and constant harassment and stress for something that we should never have had to face. We also have evidence of the credit refund from XXXX indicating that the contract was cancelled in time and never used. And we have an email confirmation from XXXX confirming that the handset has been returned. How is this even possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: OH

Complaint narrative:
My husband and I applied for a mortgage refi loan through Loan Depot and subsequently was approved. We decided to move forward with the process being told it would take XXXX - XXXX days. A XXXX XXXX XXXX was executed by both parties on XX/XX/2016 and subsequent appraisal on XX/XX/2016. It was disclosed that our rate would be in effect for XXXX days. We were contacted on XX/XX/2016 by a Loan Depot representative ( XXXX ) stating that if the loan did not close within the 45 days, our original rate offer would be extended. On XX/XX/2016 we received another communication ( email ) from XXXX stating that our lock rate had expired and we would have to obtain a new rate. I called Loan Depot to inquire about the issue today ( XX/XX/2016 ) and was told that delay in closing was due to delays in processing by Loan Depot, but Loan Depot was not in a position to honor our original rate as they could incur significant losses. 

It is my opinion that my husband and I are a victim of predatory lending practices and were purposely deceived by Loan Depot by their obvious delay the processing and closing of our loan. This delay was a deceptive ploy on the part of Loan Depot that resulted in the Rate Lock Agreement to expire thereby forcing us to renegotiate the terms of the loan which are no longer advantageous to consumers because of the recent increase in Mortgage Interest Rates. This is a direct violation of the Dodd-Frank Act. Loan Depot has the responsibility as a licensed mortgage lender to be truthful in their lending practices and not take advantage of consumers. Our desired outcome is for Loan Depot to honor the original rate agreement which will allow us to proceed with the mortgage loan application. I am also concerned that because of this complaint filing Loan Depot will manufacture a reason to reverse their decision to approve our loan application and decline us because we refuse to renegotiate new terms or cancel our application. It is our intent to also notify the media and XXXX Attorney General of XXXX regarding this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 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 been a XXXX cellular customer for over XXXX years until the year of XXXX. XXXX promise there customers that for an upgrade fee and renewal of the cellular contract, the customers will be getting XXXX cellular service. I renewed my contract thinking I was going to get faster cellular and internet service. This offer was back in the XXXX. After I accepted this offer I did not get XXXX service, instead I got slow connections and a lot of missed and dropped cellular calls. This went on for months and XXXX did not deliver as promise. After I contacted XXXX and tried to get an explanation, I got a lot of apologies and no result or change of service as promised. I then contacted them and told them that the lack of their promised service which I was paying for was a breach of contract and I was not getting service as indicated in the cellular service contract. I then spoke to someone in sprint and they apologized for this inconvenience and I ended my contract and switched to XXXX cellular service. After a few months with XXXX, I received a collection notice from XXXX advising that I owe them money for breaking contract. I thought to my self wow after they did not deliver service as agreed on their contract they want me to pay after I spoke to them and they agreed that they were not delivering the service as promised because of some issued they have with a XXXX contractor. This is an unfair business practice and I immediately contacted the XXXX, XXXX and XXXX to notify them of this issue. This was back in XXXX. After the investigation was made against XXXX collection department ( Diversified Consultants ) they found that it was not accurate and deleted them off my credit file. Now this year on the month of XXXX, XXXX re-reported the collection as if it was a new debt using Diversified Consultants to XXXX, XXXX and XXXX. I then sent XXXX, XXXX and XXXX a letter notifying them that this was a duplicate collection and that the contract was legally broken and I did not owe then any money. Well unfortunately this time XXXX, XXXX and XXXX refused to delete the information and wo n't recognize this as an invalid debt even when it is an invalid debt. Please help me to resolve this issue and stop this unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
My wife was at XXXX and the debit/credit card we have through USAA bank was not working. I immediately called then and was told I had an hour hold time. I tried their online page but was unable to accomplish anything there either. So, I stayed on the line and within one minute was disconnected. My wife calls back and tells me that all USAA card-holding customers are having trouble too and not one of them is getting through to USAA bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
USAA credit card is continuing payment holds on funds submitted. I paid {$400.00} on Friday, XXXX XXXX, 2016 and it was released from my bank ( XXXX XXXX XXXX yesterday XXXX/XXXX/16. Can you please talk to someone in billing of USAA Credit card at ( XXXX ) XXXX and straignted this issue out. I would greatly appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I am writing to complain about the extremely poor handling of an identity theft situation at USAA, which has never been resolved. This is the first time I have experienced identity theft, and I am shocked at the haphazard way that USAA handles fraud situations. 
I discovered in XXXX of this year that XXXX accounts were opened in my name ( received a statement by mail ), although I have never had any kind of account with USAA. I immediately called the fraud number, assuming they had a system of handling such situations efficiently. However, I found that was not true. I had to call over and over, each time getting another agent, and having to explain my situation again and again. I also received conflicting information from the various employees I spoke with. Many of them promised to call back, and only one ever did. I was not allowed to speak to anyone in the fraud department. They refused to assign one person to my case. 
I was told that someone had enough personal information about me to be able to get through their security questions in order to use the accounts. This was very concerning to me. No one in the fraud protection system seemed to have an efficient process to investigate the situation, or to insure me that my identity was protected.

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 2016-08-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE

Complaint narrative:
USAA keeps sending me credit card offers. Originally they sent them to me. When i complained, the just changed the name on the address to one of my daughters, who does not live with me. I complained again, and told USAA to never send anything to my address. Now I am getting credit card offers from USAA addressed to my other daughter. Both my daughters are fully grown and have been out of the house for years. My address has even changed since my daughters last lived with me. USAA claims to be such a friend to the veterans, but I 'm a vet, and they are a XXXX to me. Please make them stop marketing my address.

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 2016-12-10 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Advance America, Cash Advance Centers, Inc.
State: OH

Complaint narrative:
I received a letter from XXXX stating that they were going to use a remotely created check to access my account on XX/XX/2016. I wrote XXXX a letter revoking my authorization to access my account. I also sent a letter to my bank, XXXX Bank, requesting they place a stop payment on any check from XXXX. I checked my bank account on XX/XX/2016 and saw that a check in the amount of {$500.00} had cleared from XX/XX/XXXX. I had other checks pending so it cause me to be charged an overdraft fee. I tried numerous ways to get in touch with my bank about this matter and was referred to someone who is never in the office. It has been a month and I had to pay {$500.00} in overdraft and returned check fees. I now have another {$250.00} to pay in overdraft and returned check fees because XXXX tried to access my account twice more. I am still waiting for the bank to do something about it and will probably be told there is nothing they can do because that 's all I have been told by them so far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 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: TN

Complaint narrative:
In 2012, I was on contract with XXXX for XXXX cell phones and a data plan. I was in the middle of being kicked out of home, and having found a new place to live I was understandably low in the bank. I had paid my bill on time and in full for several months, so I contacted XXXX to discuss delaying payment ( and late fees ) until a later time in the month to give me time to accumulate the funds. I was told that this would be acceptable and could pay at a later date. When I prepared to pay my bill, I was surprised by not only one late fee, but several other undefined fees that added up to more than twice my normal bill. I was unable to pay ; however, I needed to move to another provider as to continue service for myself, my brother, and my business partner. I was unable to settle the debt in full ; however, I had attempted to contact XXXX to negotiate a payment plan which was denied in full. I have since been unable to pay this debt in full and would like to present this case for what it is and have the debt settled.

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: WV

Complaint narrative:
My husband and I are both Veterans. We are divorcing and agreed he would take the house that is in both of our names, but under my VA entitlement. We were in the process of refinancing it out of my name and solely into his. We did the quit claim deed, got his XXXX, paystub ( {$3500.00} bi-weekly ), letter of verification, everything asked for. He was set to close on XXXX XXXX and I moved forward making an offer on a home for me and our kids. Communication break downs, misinformation changing of stories started happening two weeks before closing. They could not verify occupancy which made no sense as all his XXXX and paystubs verify this is his home. I could never get our loan officer on the phone, I was either getting calls from other people in different departments. I was promised to get a call from our loan officers manager immediately, and a week later, 6 days before closing, I was told they would not be able to refinance and I needed to contact the VA directly if I wanted my name off the loan. When I called the VA, they told me I should talk to the bank because a simple modification can take my name off the loan since it was in our divorce agreement. This is USAA Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I obtained a Line of Credit second mortgage loan from USAA Federal Savings Bank which was SECURED by a lien they filed with the Clerk of the Court on my residence in XXXX. This residence was sold at auction by the Clerk of the Court of XXXX XXXX, Florida as a result of an illegal foreclosure suit filed by XXXX XXXX, principal of XXXX XXXX XXXX XXXX, a Florida corporation. This was a home that I owned outright, having paid cash in the amount of {$100000.00} in XXXX XXXX. XXXX XXXX, using a straw buyer corporation that he set up to conceal that he was the buyer, purchased the home at auction for {$30000.00}, after having agreed in writing with the Clerk of the Court that he was liable for all lien debt attached to the deed of said home, and for its repayment. Instead of collecting satisfaction of this lien from XXXX XXXX via his straw buyer, USAA Federal Savings Bank instead illegally reported this lien debt as being a consumer loan which I had defaulted on, which was patently untrue. The {$17000.00} ( approx. ) lien loan transferred to XXXX XXXX when the deed was transferred to his name, automatically, in accordance with Florida law and Federal law. I will gather all documents proving this and forward to CFPB. I request that your agency resolve this incorrect and very adverse information that USAA Federal Savings Bank reported to the credit reporting agencies, and that you sanction and fine them for this very, very harmful act!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
i am getting threatening lattes from collection agency and a Law office i do n't know who is these debts are not mine not my account i am not paying some body, s debts that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
My credit cards has been cancelled by Capital One. I have XXXX different accounts with Capital One. Upon learning that my cards were cancelled I immediately contacted them to find out why. XXXX card I understood their decision. As for the second card, I have had the account for 4 years, 11 months. I have NEVER been late. Last month a fraud issue effected my bank account. My bank account ended up being overdrawn as a result until it was investigated. At that time, I was unable to reverse the payments I set up because they were already processed through Capital One.This caused the payment I sent to Capital One to be returned unpaid. This was the first time I had a payment returned on this account. As a result of the returned payment they closed the account. When I asked the fraud department, whos name was XXXX ( employee ID XXXX ) she said even though this is the first returned payment on this account, my checking account was also used to pay a payment on another credit card that was also returned, so the investigator closed both accounts. Is this really legal?? How does the status on XXXX account affect the other when they are totally unrelated? Why would a company close a account that has never been late with its first return payment almost 5 years after it was opened? I read the Credit card agreement from Capital One and read the Credit Card Act signed by Obama and it does state anywhere that XXXX account will be closed based on the status of another account. I find this to be illegal. This has jeopardized my credit reports which is now going to keep me from buying a home after saving and working so hard to be in a financial situation to buy a home for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was issued a credit card application from Capitol One, I filled out the form and was granted the card. After opening the card, I changed addresses. 

At this point Capitol One called me and said they needed some additional information from me, after the card had been issued and I had begun using it. 

They said there were some " Issues '' they need to make sure were worked out, and refused to elaborate. 

I was given a fax number to send proof of my address and identity to, at XXXX of their departments. 

After faxing them the information XXXX times, from a XXXX, this department claimed they could not read the information on the fax. 

I confirmed there was indeed no issue with the fax machine being used, and deduced the problem was on the end of Capitol One. 

After faxing from a different fax machine the documents, they still said they could n't read them. 

Having no choice I asked if I could email the files, and they said they did n't have that option. 

I began calling different departments at Capitol One to find out what the problem was, and was basically told they suspected the card had been opened illegally. 

I said, let me just pay the balance on the card and be done with it. 

They said I could n't do that, because they had to verify who would be paying. 

As I was unable to prove my identity to them through their department 's incompetence, I left it out of mind briefly and Capitol One immediately sent the account to a collections agency. 

This agency never contacted me, and I found out about it only though pulling my credit report. 

Capitol One made it impossible for me to pay my own credit card balance and impossible to resolve whatever suspicions they had about my own identity on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I have had a long history with what is now Capitol One Credit Cards and it has been completely unblemished. I have been asking for an account upgrade to XXXX without an annual fee and although I have been told that I would soon be getting an upgrade offer I have yet to receive XXXX in 4 years. I have always paid more than the minimum have usually carried a balance and the rest of the credit report is great. My financial status has improved greatly since I first opened the account in XX/XX/XXXX with XXXX and since Capitol One took it over in XX/XX/XXXX it has still improved. After many calls to the company for the upgrade to eliminate my annual fee I was told that I had to wait for the fee to be assessed. I did indeed call after the fee was assessed and still had to talk to XXXX people to get it done. I opened this credit card 9 years ago to establish good credit in my name and was told that this was the way to start and that the annual fee would eventually be dropped as I showed my worthiness over the years. I had no control of Capitol One buying the company, but still I have done more than show my worthiness to have my account upgraded to XXXX without an annual fee without having to close this account and starting a new XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have a dispute with Capital One over a credit car charge fromXXXX for {$1600.00} and I have called the dispute department severaltimes to get this matter resolved. I have sent them additionalinformation about the charge on a course that was free. 
They always inform me that a supervisor will call meand no one has.

Company response to consumer: Closed with explanation