vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
i had a account with usaa bank for years someone had gotten in to my acct and the acct had gotten closed the problem was my daughter was also on my acct when this situtation happen they closed her accts also the problem is that my daughters and son in laws paychecks our going in to there accts which they closed because my daughter was on them when she called ans asked if she could get her money the bank usaa said it takes thirty days to get her money when i called other banks they said it only takes five days in other banks we need thid money to pay rent and buy stuff for the kids. i am telling people not to bank with usaa because they do people wrong what they say on tv is wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 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: Collection Bureau Services, Inc.
State: MT

Complaint narrative:
This debt is over 9 years old and was from overdrafted checks at a business that is no longer collecting on this debt. The credit bureau is collecting on it for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 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: NC

Complaint narrative:
I have been called every day around XXXX about a cellular phone debt that I do not have. I never did any business with the phone company in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
I sent XXXX dollars to the wrong account at XXXX XXXX. I called USAA my bank account and they said the money was already gone and there was nothing they could do and that I would have to call XXXX XXXX. XXXX XXXX, of course, would n't speak to me because I am not a customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Over 2 months ago USAA put a security freeze on my account. I have called in a total of 5 times concerning this, and the last 2 times, they have said the issue was resolved. I still can not login to USAA.com " for security reasons ''. I just want my accounts unlocked at this point so I can move them out of USAA and to a better, more responsible 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 2015-06-29 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
Debt collectors keep calling about a debt that I do not owe on, I told them numerous times to stop calling and they keep calling every hour, harassing me.

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 2015-11-20 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: IL

Complaint narrative:
On XXXX I was contacted by diversified consultants inc. they related that I had a collection account and offered a settlement of {$150.00}. I accepted and paid that amount. I never received or asked for a receipt as I trusted that this was paid. Now I am getting charged the amount that was waived in the settlement and that amount is in collections. DCI refuses to provide me with a receipt or documentation showing my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MB FINANCIAL, INC.
State: MI

Complaint narrative:
I had a mortgage loan with XXXX XXXX Mortgage bank. The monthly amount I have to pay was {$1300.00}. This is made automatically every month. This bank was bought by MB Financial Bank on 2014. This bank raised my monthly payments to almost {$1500.00} without consulting or asking me about it. Even though I have make automatic payments every month, MB Financial is saying my amount due is about {$9000.00}. As you can imagine, the bank is not considering my monthly payment, so what are they doing with the money is deposited automatically? 
It is my primary residence and I am afraid of loosing my home. 
I tried to work with another bank to change my lender but they denied because the debt with MB Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
I am a XXXX and Power of Attorney for my sister-in-law who is XXXX years old and suffering from XXXX XXXX XXXX XXXX making it necessary to have me participate in her affairs. 
Effective XXXX XXXX, XXXX. The care service started acquiring her Social Security check before her mortgages could be paid. The bank holding her XXXX and XXXX mortgages is Bank of Albuquerque ( owned by Bank of Oklahoma ) was notified of the situation by me as POA and stayed in constant communication ( XXXX or XXXX phones calls fielded per week ). I found out from running a title binder, that there was also an IRS Lien so I had to submit POA to IRS and get that amount before pricing the house for sale in order to liquidate the mortgages. I informed both of the branches ( XXXX and XXXX mortgages are serviced by different branches of the same bank but communicate as separate entities ) when I finally got the IRS remaining lien amount, assign a price to the house and begin marketing. I received the lien amount from the IRS on XXXX XXXX, received a couple workable offers on the property XXXX XXXX and XXXX based on IRS update received on XXXX XXXX, 2016 ( good until XXXX XXXX, 2016 ). When I attempted to contact Bank of Albuquerque, they refused to discuss the mortgages anymore because at some point since the last statement dated XXXX XXXX, 2016, they had turned them over to their legal department ( a law firm that only takes messages ) and referred me to them. After leaving multiple messages with no return calls, I again contacted Bank of Oklahoma Loss Mitigation and customer service who told me " too bad '' you need to contact our foreclosure department even though they do not answer the phone and are hard to get hold of. Their advice was consistently the same, my only hope was to keep trying. Even though I have XXXX qualified offers for purchase they would not assist in contacting or discussing the foreclosure. My sister-in-law has not been served any foreclosure papers nor have I, even though I am on their ( Bank of Albuquerque and Oklahoma 's ) forwarding list and phone list, and yet they refuse to allow a sale that would pay off the debts. Instead, they will hold up any sale until the IRS lien can grow and they can tack on sufficient legal fees to force a foreclosure or short sale and the ruination of the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
USAA screwed up my escrow account for property taxes. Last year I was only in the house for 6 months so I paid half the taxes and they used that same amount that I paid last year for only half the year for this years taxes which were for a whole year. So now I need to pay {$2900.00} extra or add more to my monthly mortgage payment. They claim it was n't their fault and that the taxes increased but that is not the case the taxes are exactly the same all that changed is instead of only paying for 6 months we paid for a full 12 months. USAA also tried to sell my mortgage off only 2 weeks after we signed it. Something needs to be done about their shady business. They are supposed to help veterans and their families but all they do is cause grief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
In XXXX XXXX I was no longer able to pay for my mortgages on my vacant house in XXXX, New Mexico. This house had two mortgages : the first with XXXX, the second with USAA. I attempted a short sale on the house and was unable to sell it. I filed for a Deed In Lieu of Foreclosure, which XXXX granted, provided I clear the lien with USAA. 

After negotiations, on XXXX XXXX XXXX USAA issued a Settlement Agreement to me, stating that USAA would accept {$14000.00} for full settlement of the loan, with me paying {$8000.00} and XXXX paying the remaining {$6000.00}. On XXXX XXXX XXXX I paid to USAA {$8000.00} and USAA issued a new Settlement Agreement for {$6000.00}, which must be received by XXXX XXXX XXXX. I signed this agreement and USAA acknowledged that it received the signed copy. 

On XXXX XXXX XXXX USAA exercised a right to offset against one of my accounts in the amount of {$1700.00} to pay toward the subject loan. This transaction is contrary to the Settlement Agreement that USAA and I have in place and is not only contrary to my wishes to maintain good and honorable relations with USAA, but is also fraudulent. 

I contacted USAA 's banking, fraud, loan, and identity theft departments on XXXX XXXX XXXX. Of all the people I spoke with, nobody was able to tell me why the {$1700.00} was withdrawn from my account or where it had gone. I was promised a call the next day, but nobody called. I then contacted USAA 's Member Assistance Team ( that arranged for the Settlement Agreement ) on XXXX XXXX XXXX. They said only the debt collection department could have exercised the right to offset and transferred me there. The debt collection department said they could n't have done it, because my loan was held by the Member Assistance Team. I was told that an email was sent to the executives of the Member Assistance Team and that I would be contacted.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: WI

Complaint narrative:
Convergent/XXXX calls me on my cell and at my work number. They wo n't give me any information about " the personal issue '' until I verify my last XXXX Social Security numbers, address and birth date, which I will not do unless they tell me why they are calling. They then tell me they will report that I refuse to cooperate, and hang up. There has to be something that can be done to stop this kind of harassment and bullying.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I have sent XXXX different letters requesting validation, proof that they sent me a Dunning Letter ( which I did n't receive ) and a thorough breakdown of their protocols to remain HIPAA compliant. I 've received nothing. Any money I could have owed should have been paid by my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Company is using an autodialer to contact about a debt they do not own. I have informed them that they are calling my cell phone. I have also informed them that they have no reason to call me since they do not own the debt. They call me XXXX or three times a day, often with no one on the other end of the phone when I pick up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
i receive a call from a company called Convergent Outsourcing, they call me at least once a day, i have requested before to be taken off there calling list and when i actually ask the person to take me off they just hang up or tell me to XXXX and laugh, this is one of the few calls i get daily and it is interfering with my work, these calls are annoying and i really want them to stop, i have filed complaints before with the do not call registry because i have been on that list for many years now, and they have done nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I am filing another complaint against XXXX XXXX XXXX XXXX XXXX for the third time. My first and original complaint was on XXXX XXXX, XXXX and the case number is XXXX. My account had been submitted to XXXX XXXX and my complaint resulted with them ceasing all collection efforts. My second complaint filed was on XXXX XXXX, XXXX and the case number is XXXX, This time it was placed with XXXX XXXX XXXX XXXX. I became aware of them when a summons was placed against me and my mother. My complaint against them, through CFPB, resulted in a notice of discontinuance. 

In this third complaint, my account has/had been placed with Convergent. XXXX XXXX wants to settle XXXX percent of my total balance due. However, have they taken into consideration of the harassment, I have undergone for almost 10 years? They are asking me to settle for {$17.00}, XXXX! Never mind all the harassment I 've received as early as XXXX! Never mind that my first complaint resulted with XXXX XXXX ceasing all collections efforts! Never mind that my second complaint resulted with a notice of discontinuance on behalf of XXXX XXXX XXXX! In addition to having received this letter, I have been getting phone calls from ( XXXX ) XXXX. Most of the calls are sent to my voice mail and the person never leaves any messages. So. I am back to being harassed once again! 

Yesterday, I received a letter from XXXX of a " Notice of Acceleration. '' I do n't know if this is in reference to my account with XXXX XXXX XXXX or not. I do not recognize the account number from XXXX which is : XXXX while the XXXX XXXX XXXX account is : XXXX. These companies continues to switch things around and currently this account has been placed in default! I am sick and tired of this! What about my rights? What makes them think that I am obligated to make a settlement when they have been harassing me off and on for such a long time? If anything, I should be the one compensated for especially now since they have placed this loan in default!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint on Wells Fargo BankI caution anyone attempting using Wells Fargo Bank for a home loan or applying for modification! After a family hardship and falling behind on my payments, I started seeking a loan modification from Wells Fargo Bank, starting over two years ago. In this past year I was denied XXXX complete times, getting XXXX complete different reasons after each appeal. My first denial I was told by Wells Fargo I owned a company and made too much money. ( I have never owned a company in my life. ) The second denial was because I did n't make enough money. ( I know by the guidelines I do. ) Then I got denied once again because I have equity in the home. While speaking with Wells Fargo employee two days ago, they came up with another reason stating, " It is a interest bearing loan '' and " The loan is too far behind for modification ''. I have also been told by Wells Fargo employees such statements as " If your modification comes across my desk again, I 'm not dealing with it ''. Another statement by a Wells Fargo employee was, " That its important that I make my house payments or I would not be in this position ''. I feel these statements were very inappropriate! I feel that if Wells Fargo would of been legitimate this modification could of been done a year ago. Now I have a sell date on my home on XXXX/XXXX/2015. I am meeting with lawyers on XXXX/XXXX/2015 to see where I can take this. I 'm not asking to live anywhere for free. I just want to get back to making my payments and keeping my family in my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
Reviewed credit report and discovered a collection : CMRE Financial Services for {$260.00} for emergency XXXX XXXX. 
I am disputing this debt unless the collection agency is able to validate the debt. 

I did not receive a notice that any medical bill was outstanding and then all of a sudden a collection was noted on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 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: Convergent Resources, Inc.
State: NY

Complaint narrative:
Depth as paid though another credit it agency from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I was hospitalized and was told I was XXXX. XXXX called me everyday until I was able to pay it off a couple of months later. I do not recall, but I believe they threatened legal action. I told them they could have their money after I died.. They must have thought I was making it all up as they continued to call daily. This was in 2012 ( XXXX ). I can dig up my receipts if necessary but that does not tell how many times that they called me. I am sure their collections has an account of how often they called in their records. The subsequent collection agency they used was Convergent, XXXX Account # XXXX, Convergent Account # XXXX. I spoke to a supervisor about their calling everyday but she told me I had an uncollected debt and they were allowed to call. Although I did n't die, it put unnecessary pressure at a critical time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: Convergent Resources, Inc.
State: DC

Complaint narrative:
On XXXX/XXXX/XXXX, a phone call was received by the company for debt collection. Since I 've not received notification from any party that a personal balance was past-due, it was ignored. I checked my credit report and this company placed a soft inquiry on the same date and they were contacted by e-mail for assistance ( ID XXXX ). On XXXX, I called twice and someone hung up without saying anything. On XXXX, debt validation was requested ( ID XXXX ) and received by mail on XXXX. They are attempting to collect on a debt from XXXX which was settled after evidence was provided to XXXX and a collections agency at that time ( XXXX or something similar ) as an XXXX buyer committed fraud. According to the letter, the debt was placed with Convergent on XXXX. No written or electronic communication was received by XXXX or any collections agency for more than a decade and there 's nothing I can do about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 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: Convergent Resources, Inc.
State: OH

Complaint narrative:
Hi, this is the second complaint I have filed with the CFPB on an old XXXX XXXX cell phone bill from around XX/XX/XXXX-XX/XX/XXXX. If I am not mistaken this was placed on my credit reports and then after seven years it was removed. 

For some reason, all of a sudden, I am getting debt collection letters now from a " second '' company requesting I pay this very old bill. 

I have already had this charged off and placed on my credit report and it was on there from around XX/XX/XXXX - XX/XX/XXXX. I do not owe this money because it was already put on my credit report one time and was already on there for seven years until it fell off my credit reports. 

I do not know why after nearly 15 years I am getting collection letters from debt collection companies on this account. 

My concern is that this charge is going to be placed on my credit reports " again '' for another seven years! 

Please help me with this. You have already helped me with the first collection agency who was trying to collect on this old debt, but now " another '' company is sending me letters. 

I have called XXXX XXXX to confirm this charge and since the account is so old they have no record of this bill, but yet I am getting debt collection letters now from a second debt collection company. 

I had already filed a complaint with CFPB regarding the debt collection company named : XXXX XXXX XXXX. There phone number is XXXX. That account number is XXXX. I thought CFPB had resolved my complaint with the XXXX debt collection company ( e.g. XXXX XXXX XXXX ), but now I am getting a 2nd letter from a XXXX debt collection company ( e.g. Convergent ) regarding this same very old cell phone bill that XXXX XXXX can not confirm whether or not I paid the bill or not because the account has been purged.

Company response to consumer: Closed with explanation