vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
We refinanced our mortgage with Loan Depot. At closing they collected XXXX for the XX/XX/XXXX property taxes. However, this a non-escrow refinance. They claimed that they must collect this outstanding tax to do the closing. Closing on XX/XX/XXXX. Taxes first due XX/XX/XXXX and there is no penalty until after XX/XX/XXXX. I recently call my tax office after I received the tax bill and it was for the full amount. They have no records of having any funds being applied to this account. I called servicing department who referred me to the Loan Depot Escrow Department and they sent me back to the servicing department. I spoke to a manager and they claim it was sent XX/XX/XXXX. I contacted the mortgage officer and he inquired with servicing department. After 5 days I recontacted him and he reiterated he reached out to the servicing department. Three more days past and I get an email from yet another Loan Depot department-Customer Care. They claim it was sent out " on or about XX/XX/XXXX '' .. That was closing day. On or about means they are not sure. They say if XXXX County, NC tax office has not received it I should contact the mortgage servicing officer. It is like a shell game. I do not see how one collects tax money before it is due and on a non-escrow account. They have no right to hold the money and ca n't explain where it is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
The mortgage company changed the loan terms to a more expensive loan well after it was aware of the change in circumstance that they allege necessitated the change. It seems they implemented a fraudulent bait-and-switch. 
After shopping around for loans, we went with this particular company because of they offered loan with a lower interest rate and a substantial lender credit. Apparently this loan was based on the property we were purchasing being a town home - as opposed to a condo. When we initially spoke with the loan officer, we noted that we did not know if the property was a town home or condo, and that we did n't even know the legal difference. The loan officer went with a town home when generating the loan estimate, without letting us know that the loan would be significantly worse if the property is a condo. It is noteworthy that the loan officer was viewing the property listing and the listing indicated the home is a condo. Thus, the loan office should have known the correct type of property at this time. 
Regardless, well into escrow, almost approaching the originally promised close date, the loan company informed us and sent us a revised loan estimate specifying a loan that eliminated the lender credit, now required us to pay points, and required a much larger down payment. ( Interestingly, the revised closing estimate did not compare the revised loan with the original loan. ) The loan company said that this change was due to finding out from the appraisal report that the property is actually a condo. However, the appraisal report was sent to and reviewed by the loan company 10 days before they sent us the revised loan estimate. This clearly violates the Consumer Protection Rules that any revised loan estimate having such a large change be provided to the buyer within three days of the " changed circumstance '' that triggered the change. 
We attempted many times to resolve this issue with the loan company, but they would never work with us and instead tried blaming us for the error, claiming we told them the property was a town home, which we did not. 
This process seemed to us to be a fraudulent bait-and-switch, where the loan company promised us favorable terms to effectively bait us in, and then switch to a less favorable loan when we were well through the process, knowing that we would have a very difficult time switching to a different loan at that time.

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 2015-10-15 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I filed a dispute with my credit card at XXXX and they " lost '' it saying i " lost '' my rights. Then I got a phone call saying since they found it, they would be re-asserting the dispute process. I got my money back and confirmation in writing that the final dispute had been decided in my favor back in XXXX. Then, in XXXX they are saying they are going back on their initial decision, but I was already told since they lost the initial dispute and we were still in the time frame and the merchant did not respond that the money was mine permanently. At this late date saying they went back on their final decision seems suspect -- -the letter dated XXXX XXXX, is more than two months after the final chargeback was made. It is an illegal abuse of th dispute process. The doctor lied about me and said my dispute was illegal, which is n't true. He made up something in his head that should not affect your decision. To go back on your initial decision and then hold me responsible over XXXX months later. XXXX has repeatedly lost my disputes and they admittedly lost this one as well. However, the final chargeback was issued already. This is an illegal use of the dispute process. I do not owe the {$1000.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
I had a mortgage home equity line of credit with USAA Federal Savings Bank and in XXXX the account was charged off. In XXXX, they gave me a XXXX for the charged off balance, which I filed with my taxes. They are still reporting the whole balance and it should have been XXXX once the XXXX was issued. It has affected all my financing since XXXX due to this fact.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
When I applied for an auto loan the loan company took into account the outstanding VA Medical bills on my credit report that are not my responsibility to pay. Thus, discriminating against me as a XXXX veteran when they denied the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I am trying to stop hard copy statements for my mortgage loan. My mortgage servicer is telling me that they can not stop them, as CFPB and " the law '' require them. I have no doubt that this is true, but I do think it is stupid. Is this actually required by the law, or was it just included in one of the implementing regulations? Can you give me any insight as to why the Government regulations are requiring the waste of paper and the increased costs of printing, postage, and distribution of something I do n't need or want?

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: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
This complaint is due to multiple inquiries made on my credit report from Loan Depot thru XXXX . The complaint is against XXXX, as the credit servicer for Loan Depot and also the prospective lender Loan Depot. In XXXX 2016 I responded to a Refinance solicitation I received from Loan Depot and had granted only one approval to run one inquiry on my credit. Loan Depot made six Inquiries within a span of a few days because they were trying to gather additional information on income and value of my present home to determine loan eligibility. Un-be known to me at the time, Loan Depot took upon themselves to re-run inquiries every time I spoke to an individual at Loan Depot as a follow up on the same matter. My credit report now shows numerous inquires within a span of one week or so some multiple on the same day from this same prospective lender " Loan Depot ''. I have brought the matter to the attention of both XXXX XXXX and Loan Depot and both have failed to respond in a reasonable time frame.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Supreme Lending
State: TX

Complaint narrative:
Property Tax on my Closing Disclosure and TILA vs actual Property Tax were grossly under valued by XXXX %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I contacted XXXX a few months ago regarding a XXXX XXXX XXXX card that was opened by my ex-husband using my information. The account was opened while he was XXXX and I was XXXX. XXXX closed the account since it was opened without my authorization. XXXX noted that I had not activated a single card for this account and I was not aware of this account since I had never received a card in the mail. My ex-husband had access to my personal information from previous income tax returns that were filed. I did not authorize my information to be used for this account in writing, online, or over the phone. I have submitted a notarized identity theft affidavit to XXXX and all XXXX credit bureaus, but have not received any resolution nor has my name/information been removed from this account.

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 2015-08-18 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: AZ

Complaint narrative:
full and got a confirmation from them, advising me that as soon as the payment posted the account would be satisfied and listed as " paid collections '' and closed on my credit report, I was advised that they would contact XXXX XXXX XXXX, and let them know that this was now a " paid collections '' and would be closed. To this day I have contacted XXXX XXXX XXXX XXXX and Diversified Consultants, XXXX as my account is showing a {$0.00} balance but is still showing as an open account, I have yet to receive any answer from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I notified my mortgage lender that the State of XXXX was going to pay taxes because I am XXXX back in XX/XX/XXXX in writing per RESPA rules regarding correspondence and the lender did not answer with in XXXX days. I asked the lender to answer and to remove the taxes from my payment this request was made threw correspondence and over XXXX phone calls, including XXXX of XXXX approval letter XXXX that were sent to the mortgage company telling them the mortgage taxes would be paid for XX/XX/XXXX and XX/XX/XXXX. I asked that the impound account be removed and it was denied with no letter they told me when I called in because my loan is fha. I asked for the XXXX in escrow since the taxes are paid for XX/XX/XXXX and XX/XX/XXXX by the state and they gave me a hard time and several times told me they do n't care about only XXXX months cushion or RESPA that they have there own rules. It now XX/XX/XXXX and they told me they mailed me a check XX/XX/XXXX 16 days ago. 
I did not receive a check and they told me there keeping XXXX for cushion. I have never been late and own XXXX percent of my house. They are holding more than XXXX cushions in violation of RESPA and I never received a check. They told me there billing me monthly for XXXX which includes taxes for XXXX x XXXX = XXXX which is more than XXXX cushions as the taxes have been paid for XX/XX/XXXX and XX/XX/XXXX. They told me they did n't care because they rules trump RESPA. Although I have told them I elect to have the state XXXX program for homeowners pay the taxes for 2 years so there is no need to include the taxes they want to hold the extra cash to the tune of XXXX and they have n't paid me interest. XX/XX/XXXX taxes are paid and I sent the proof so if the taxes are paid why would the lender collect the money on paid taxes? That they have proof of. Its predatory lending on the XXXX. 
Where my interest on the escrow balance? The state gets the tax bill not them. 
I wrote and told them everything per RESPA no letter addressed any of it from XXXX aka loan depot. Please help me I am XXXX. I have become sicker and the phone for hours for 4 months XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 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: AL

Complaint narrative:
I was called by Diversified Consultants Inc. on XXXX/XXXX/2015 and the caller received my personal address and ss # without knowing whom he was speaking to. The caller was XXXX XXXX and his manager said he was allowed to do that. Her name is XXXX XXXX. They refused to give me the companies phone number to call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CONDOR CAPITAL CORP
State: PA

Complaint narrative:
My wife bought a car at XXXX.they got her financed through condor capitol.they have taken payments sometimes twice a month .the when you try to get them to put it back in her account its a hassle.we have paid bank fees numerous to Times.payments were may that were not credited to her account.they closed her online account so she ca n't view it to see if payments are coming off balance.they say they did it because her car is almost paid off.they wo n't give her a XXXX. Schedule refuse.well she has paid XXXX so far.the other day they came and took our car, XXXX 's payment was n't received they say.we sent copy of check to them by e mail and fax.our bank did also, it was stamped by their bank a week before they stole our car.they said that we had five days to get mess straightened up or they were selling our car.they said it could take up to 48 hours to receive fax from our bank.on day three they say they found payment and even though it was their mistake, they need payoff plus repo fees or they 're selling our car in five days.I 'm losing my job because I use it for work XXXX.please help

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 2016-12-14 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
About XX/XX/2016, my wife called USAA to get information on our home owners insurance. She was told that she had to have a USAA credit card number for her to get that information. Neither of us have a credit card with USAA. She stated that we do not have a USAA credit card. The CSR told her that she could n't help her and to call back with a card #. To that my wife said " We do n't have a card so what will calling back do? '' CSR again said she could not help. Several weeks later we received in the mail ( Approximately end of XXXX ) we received XXXX separate mailings with credit cards from USAA, which we did not request. We shredded and did not activate the cards ( XXXX total cards, XXXX for me and XXXX for my wife ). We do not feel this practice of requiring a credit card to get information about an insurance account is legal and we do not want this practice to continue. This reminds me of what XXXX just got in trouble for opening accounts for people without their authorization. It also seems like they are tying their cards as a requirement to their insurance policies. Both things I believe are illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
I accepted a 0 % interest for 12 months balance transfer offer from USAA and set up automatic withdrawals from my credit union account so that the balance would be paid within those 12 months. I ended up paying off the balance about 4 months early and attempted to cancel, without success, the remaining XXXX payments. I had a XXXX balance on that card in XXXX, yet USAA still withdrew the payment. I contacted them, they said they would cancel the remaining payments but that they would " have to put a ticket in ''. On XXXX XXXX, they again took money from my credit union account when I had a XXXX credit. I contacted them again and requested that they replace the money into my credit union account and they said they were unable to do that. I will be contacting my credit union today to request that USAA no longer be able to withdraw funds from my account.

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 2016-02-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
There was a total of XXXX accounts that where opened fraudulently through USAA, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. USAA refused to help me with this matter and claimed that I was responsible for the fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I am filing this just to be on record. I recently switched from XXXX to XXXX XXXX XXXX. The reason was that XXXX coverage in my home office became very weak resulting in dropped calls and missed calls. After XXXX tech support failed to improve my signal, I indicated to them that I will switch to XXXX XXXX XXXX as coverage in my home office is critical for my business. After I thought this was agreed on, XXXX kept sending me termination fee bills. I called several times and again thought this was resolved, but then they turned it over to Convergent, a debt collection company. 

I contacted Convergent but they insisted on collecting and would n't provide escalation paths. So, I sent them a certified letter and indicated to them that I will file this with CFPB for record keeping purposes, and that is why I am doing so. 

The main concern is their lack of communication and simply insisting on collecting the termination fee without listening to my side. I am attaching a copy of the certified letter I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 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: ID

Complaint narrative:
I have been an XXXX customer since it acquired XXXX XXXX in late XX/XX/XXXX 's. I have had the same cel phone number since XX/XX/XXXX. I have added lines since then for my family and business. I have always paid the bill, never had the service cut and have always worked through issues or discrepancies with the company. Somehow, XXXX claims there is a XXXX balance from several years ago. Keep in mind my monthly cel phone bill averages over {$500.00} a month. I called XXXX and disputed the charge. I was under the impression that the matter was resolved and that it was an accounting error or misapplication when the account was reassigned to a new representative and switched to a business account. At some point I was contacted by a collection agencies and explained this and the matter was not reported to my credit report. I disputed and assumed my dispute was communicated back to XXXX who verified my position and I never heard back from that agency. Then several months later I was contacted by Diversified with the same claim. I disputed it. Then they reported it as in collections. I contacted Diversified and they said they verified the debt with XXXX. They never presented documentation that I owe this or that XXXX did in fact verify something that I had understood to be resolved in my favor. Now this mark is listed as in collection and is impacting my otherwise very good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
Harvard Collection ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) has started collection activity on XXXX alleged medical accounts by placing the XXXX accounts on my credit, XXXX and XXXX. ( acct # XXXX ) They are listed as being opened on XXXX/XXXX/16 and were put onto both credit bureaus on XXXX/XXXX/16. 

The insertion onto my my credit is collection activity. By law, FDCPA section 809 ( a ), collection agencies are required to notify the alleged debtor in writing within 5 days on starting collection activity. Harvard Collection did not and has not ever attempted to notify me before or after starting this collection activity in any manner as required by federal law. 

Secondly, both accounts appear to have the same account number and are from the same company. I believe they are also attempting to increase the negative impact on my credit by splitting these alleged bills into XXXX separate ones and cause double damage which is also against federal law.

Company response to consumer: Closed with explanation