vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY

Complaint narrative:
After first communication from XXXX for {$13.00}, called as they suggested if I could n't afford to pay. When I called they said very quickly " I did n't qualify and had to pay ''. After that received DAILY letters threatening me with reporting to credit agencies. Wrote them numerous times stating I was XXXX years old, am judgment proof ( last letter certified and I have receipt ), yet letters and phone calls continued unabated. Hospital takes blood and I do not know where it goes. I have no say in the matter. They continuously threaten to discontinue services. As if it could get no worse, they have now handed it over to a debt collection service ( American Medical Collection Agency ) who began with their threatening letters in addition to XXXX. They are making me sicker than I am by their continuing harrassment. I do not answer my phone and have missed important calls in connection with my health. They know full well my age and health. The phone and mail is driving me crazy. Please make them stop or let me know what action I can take against this unscrupulous operator who has spent more on calls and postage than the money they claim I owe. Paperwork can be furnished on request. PLEASE 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 2015-06-18 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: Commercial Acceptance Company
State: PA

Complaint narrative:
Commercial Acceptance Co still has a debt balance of {$180.00} listed as an open account on my credit report, as of XX/XX/XXXX. The debt was paid in full XX/XX/XXXX.

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 2016-03-16 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation
State: NC

Complaint narrative:
My check was declined with a local merchant as a result of Telecheck. When speaking with their representative, I was met with individuals with a strong foreign accent. However, I could cope with that more so than I could the fact that they were unable to give solid details on why the check I wrote was declined. I understand that this company is meant to protect merchants. But my checking account had the funding available. They inform me that my driver 's license was connected to an account at a bank that I have never frequented. In fact, there is no bank of that name in my city. In my efforts to the have the issue resolved, I was hung up on once. But as I continued to call back I was met with some very professional individuals who explained more clearly what was transpiring. However, my ultimate concern is whether this company should be merging the efforts of guaranteeing checks and debt collecting within the same umbrella. When the two purposes are merged into one, you have chaotic experiences like this one. While I have never had a checking account with the alleged bank in question, I am being treated as a fraudulent person. There is no rational reason for denying my check with thousands available simply because of an account with another bank. Even if I had that account, would n't it be feasible to simply contact me about it rather than create a massive issue via denial of my active checking account. This is not a credit issue. This is my money which I should effectively be able to spend at my leisure with any vendor. I am not confident in this company 's operation and I certainly am not confident in their ability to follow through and effectively investigate the matter as they claim they will. After about an hour of communicating, I am pretty confident that they will not adequately handle this situation and I may have to resort to a lawsuit with them and the vendor. They were unable according to the representative to provide any pertinent information about the alleged account. This is a direct violation of my rights as a consumer. I required full disclosure of the information for which they had on file as well as details on the account that triggered my denial. However, they were unable to provide and instructed me to complete a form so they could begin an investigation. The company has already taken adverse action against me by denying the approval of my check. The investigation should be required before action is taken is the method most suitable for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation
State: CA

Complaint narrative:
We continue to get automated calls from LEADING EDGE XXXX at our number, although we are new customers assigned the phone number.

Company response to consumer: Closed
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
I received many phone calls from this company security systems in regards to a student loan account that was from XXXX college, ( I actually have XXXX accounts, but they are both being serviced throught XXXX, under the united states department of education ) I sent letters, and spoke with XXXX on the phone, I also faxed over the information that this account is serviced under the united states department of education and is being serviced through XXXX, through the wage garnishment department but the phone calls continue, even after i furnished the information to XXXX I wish to have this account updated to have this security credit systems company removed from my credit report, with an explanation and to stop calling me about this XXXX college account. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: WV

Complaint narrative:
Will not disclose information needed to settle medical bill. 

I have been contacted by RMCB regarding services rendered at XXXX. 
I have requested information regarding this claim to no avail. 
We have medical insurance that will cover this. 
If they are not able to submit the claim, they will need to provide me with all the information needed to do so. 

Thanks and XXXX Bless You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase Finance has reported to the credit bureau that I 'm delinquent on car payments for a XX/XX/XXXX XXXX XXXX which I did not purchase. I called them to remove my name and to stop posting that I 'm not making payments on a car I DID NOT PURCHASE. I purchased a XX/XX/XXXX XXXX XXXX XXXX which I 'm current on all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Global Credit & Collection Corporation
State: LA

Complaint narrative:
I have asked this company to contact me on my personal cell phone after XXXX, twice. I can not take personal calls at work. I have spoken to a woman and a man & have stated this to XXXX them. I have received a phone call from this number everyday with an automated voice mail. The company is global credit and collections corporations XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 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: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL

Complaint narrative:
The AMCA ( American Medical Collection Agency ) are trying to collect a debt for {$960.00} that is not mine. The first letter I received from them was on XXXX, then XXXX on XXXX and this XXXX XXXX on XXXX and now dated XXXX on their letter. This last letter is written in a threatening tone. I responded on the same letters they sent me on XXXX, XXXX, XXXX and mailed the response the same day explaining in very courteous form that they billed me in error, the same on XXXX and now again on XXXX. The letter they sent on XXXX I faxed to my doctor as % his request. I explained on the other letters to AMCA the DEBT IS NOT mine and that I am XXXX and on food stamps as well. I HAVE XXXX. and these threatening in tone communications are exacerbating all my symptoms. They stated in this last letter that I had not disputed the debt ; a blatant lie on their end as I have responded in written form 3 times and I keep copies of everything!!! They have attempted this in the past as well with a much smaller debt. That ended in XX/XX/XXXX but went on for 2 years prior to that as well. Is this company is preying on me because I am XXXX??? Please help me as best you can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
My husband and I were the victims of a scam. Someone called my husbands cell phone claiming to be a representative from USAA Bank which, at the time, was our primary banking institution. The individual posing as USAA requested that my husband verify certain pieces of his personal information in order that she could check to make sure he was eligible for {$10000.00} to be deposited into his account. To make a long story short, this individual was impersonating a USAA representative. They then proceeded to deposit fraudulent checks into several of our accounts to include my children 's dependent accounts and withdrew over {$6000.00} dollars from my husband 's account from an ATM machine all in one day which I feel is very strange. Shortly after all these transactions were made, we received an automated telephone call form USAA stating that they suspected fraudulent activity on our account and instructed us to call them. We called them and that 's when we were informed of the transactions. This was on XXXX XXXX 2015. Since that date, USAA has been very uncooperative with us. They have refused to give us information about how we can try to recoup the monies that were stolen from us. They have not even given us anything in writing explaining to us what our options are. Every time we call them in reference to this situation they say that we need to speak with someone in the fraud department and we have to hold for hours or are disconnected. It appears to me that they are deliberately treating us in this manner because we never had a problem with USAA until this incident. My most recent contact with them was today XXXX/XXXX/2015. I called to see if I could get some type of written documentation outlining the fact that our accounts were frozen due to this fraudulent activity which lead to my mortgage payment check being returned and incurring a fee and a 1 year penalty of not making any election payments. After I was transferred about XXXX times and was on hold for 1 hour, the representative told me, " USAA will not provide any information of the sort due to the fact that USAA has deemed that you are responsible for this series of events. '' I find it really hard to believe that as international bank that preys on the Military Community, ( we are a Military ), they could not give us any guidance or help with this potentially career threatening matter. My husband is and XXXX and I also work for the XXXX. We have both now been sent to a collections agency about the balances even after we have called to speak with their internal collection department to try and set up a payment plan for the over drawn accounts. This has been such a horrible situation and to have the door shut on us by a financial institution that I have been with for almost 10 years is very disheartening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: CT

Complaint narrative:
I applied to refinance my mortgage with " Loan Depot '' who told me they would match any interest rate being offered by anyone else. They did n't do it. I went to another lender. I already paid for an appraisal with Loan Depot, the new lender needed an appraisal done and I was told I would need a transfer letter from Loan Depot to use the appraisal that we had just done, I asked them for the transfer letter but they refused to submit it. I had to pay for another appraisal. I 'm told they are required by law to transfer the appraisal yet they flat out refused to do it and would never refund me the extra {$440.00} I was out for the extra appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
When I purchased a home the company completely messed up the funds and the mortgage company sent them followed by an attempted hack of my account which locked it for 7 days and when I called them about it they transferred me around to try an get me to hang up and in fact hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Got repeated calls over the years about an XXXX bill from XX/XX/1981 at my brother 's phone in XXXX, FL which used to be my old phone number. So I called them at XXXX. They claim I have a {$570.00} debt from a phone bill in XX/XX/1981 from XXXX. They have been calling me and my brother every day since then. They even call him at work. I have not seen any documentation or any bills from this company. Just keep getting repeated calls from out of the blue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I initially took out a loan through Advance America, as I was in dire need at the moment, and I appreciate their fast service. The issue that I have, is that in their company policy it states that within 180 days you 're only able to renew your loan 7 times and then you 're to pay in full. I took this loan out in early to mid XXXX and I pay biweekly, it is now XXXX and for the first time, I was told that I need to pay in full. It was brought to my attention that a buyout was done for me before in XXXX, as I would only have been paying the fees on this XXXX day $ XXXX would be a bit steep. After being informed of the buyout policy, I did a little math and realized that since I never took out another loan, my loan therefore should 've have been terminated in XXXX, meaning that the following payments would have then gone directly to the principal. Later I spoke with the customer comments team, who pushed my concern to the Area Manager, who was very rude about the situation of my mishandling and then suggested that I do what I 've already done, pay more money and continue to pay until the loan is paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
In XX/XX/XXXX I had a credit report run for a personal loan. A USAA account showed up on my credit report with a transaction amount of {$76.00} that was placed on this credit card account on XX/XX/XXXX. The account was subsequently noted as late and sent to collections. USAA has since closed the account. I had no knowledge of this account and/or the charge made in XX/XX/XXXX. The charge was also made in XXXX. I have been living in XXXX since XX/XX/XXXX. 

I contacted USAA and was informed that the account was opened in XXXX but no charges were ever posted to the account until XXXX. USAA was sending all information on this account to an address in XXXX so I had no knowledge of what was happening until a year later. 

I have contacted USAA at least 3 times and have been provided with varied information about how to handle the case. I wrote a letter to them and did receive 2 letters dated XX/XX/XXXX that the disputed charge may be unauthorized or fraudulent. One of letters stated, " we ' re transferring the matter to our Fraud department for continued investigation. '' I have not had any response in writing from them since. 

I called in XX/XX/XXXX and was told by a woman named " XXXX '' that nobody had investigated my account. She proceeded to inform me that I needed to file a police report in order for USAA to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
USAA is in the practice of : Depositing personal checks via their mobile app. 
The funds are deposited and the app will inform you the funds are available immediately. 

USAA then claims the right to place that deposit on a funds hold at a later date without any kind of notice. The consumer is required to check back in at any random time to find funds are no longer available for use. 

I will then write a personal check to pay a bill, and that check will bounce. I 'll look to find that my money is no longer available to me. My bank has made some unexplained determination that they will hold funds for 10 days. Because my funds were not available they charge me an NSF fee three times. After asking for an explanation, I 'm told there is none, but that I 've agreed to this policy. 

Then they release my funds after all three attempts have been made. 

I find this practice to be fraudulent because I 'm given notice that they have my funds and I 'm not given any notice that they will be held at some point. USAA then takes an action that results in their keeping my money as a result of the arbitrary action they 've taken. This seems very corrupted to me. Despite their claim that I 've consented to this system of abuse, I believe the matter is larger than just my individual experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
USAA for some reason insist on not investigating my account correctly. Once my family and I noticed that my Identity was compromised, USAA was notified. We notified them and my account was closed with a day of us noticing, and USAA explained that they will be discontinuing business within a day of noticing the problem. I am being held responsible for all transaction and I have strong reason to believe that USAA did not conduct a proper investigation. I called today to try and figure out where the ATM withdrawal transaction occurred, but after calling a USAA representative explained that he no longer was able to obtain the information for me to correctly file a Police Report to the Officials. I have been very displeased with USAA 's customer service lately, and my family has been banking with them for years. I am being held responsible, and a representative explained that a day prior someone called and impersonated myself using my information. This was startling to us, USAA allowed us to make another claim to review/dispute the decision they made. However nothing has changed and I want to correctly file a report, and ask the Police to look at the cameras of the ATM that was used to commit the fraudulent activity so that USAA and myself may have a better understanding of who is at fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On or about XXXX XXXX, 2015, I was made aware that USAA FSB pulled my credit bureau on XXXX XXXX, 2015 for a credit card application that I was/am a non-spousal authorized user. Per FCRA, this is not allowed. I advised USAA of that on XXXX XXXX, 2015 and was advised to fill out an " official USAA consumer complaint form, '' which I did and submitted to them on XXXX XXXX, 2015. On XXXX XXXX ( late per statute ), I received a response that they would not investigate my complaint as it was " frivolous or irrelevant. '' I want the fraudulent inquiry removed from my credit bureau. Thank you ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc.
State: NC

Complaint narrative:
I am responding to your contact about collecting a debt. You contacted me by phone at XXXX and XXXX as well as mail XXXX XXXX XXXX XXXX XXXX XXXX NC, also address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC on XXXX/XXXX/XXXX And identified the debt as Advance America this matter has been in dispute since XXXX have been back and forth with this company over and over since XXXX and XXXX about this debt I have expressed to this company many times that I had identity fraud and sent them the paperwork that they want me to fax over back in XXXX this company has been harassing my family and leaving message on my job phone this need to stop now the police report number for this XXXX.

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