vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-25 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: AL

Complaint narrative:
On Friday, XXXX XXXX, at approximately XXXX, I entered the location of Express Check Advance, located at XXXX XXXX XXXX., XXXX, MS XXXX and received an Advance Payday Loan in the amount of {$400.00} ( XXXX Dollars ). I wrote them a check in the amt of {$480.00}, on my legitimate checking and open acc't at my Credit Union . The next business day which was Monday, XXXX XXXX, 2016, I ret 'd to this same location to return and/or pay off the loan. I was not allowed to pay back the {$400.00} without paying the {$80.00} fee. This was also, done against my Wife, which I attempted to pay off both our loans. I was told that I had to do this kind of transaction on Saturday, XXXX XXXX, 2016. They have a sign posted in their place of business, stating that you can return or pay off the loan, without paying the fee if you do so on the next BUSINESS DAY. Saturdays, Sundays and Holidays are not BUSINESS DAYS ... .PLEASE CORRECT ME IF I 'M WRONG. I have been trying to call their Main Office and the Association that they are a member of since XXXX XXXX, 2016, and no one has returned my call nor answered my email to settle this matter ... The Loan is coming due again on XXXX XXXX, 2016, but I do not get paid until XXXX XXXX, 2016.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: First Data Corporation
State: NE

Complaint narrative:
I have NEVER, EVER experienced such unprofessional service as what has occurred with a fraud situation with XXXX XXXX ; payroll provider for XXXX. On XX/XX/2017 my wife and I went to a local supermarket, XXXX to purchase some groceries as there was a pending ice storm. My payroll debit card was declined which was impossible as I was just paid two days prior and had not spent much of the funds. We came home and logged on to the website and noticed XXXX FRAUD CHARGES ; XXXX pending with XXXX for {$260.00} and XXXX charges for a company known as XXXX XXXX XXXX ( XXXX charges for {$100.00} and XXXX for {$51.00}. We immediately called the XXXX # on back of card and where directed to a XXXX male who spoke XXXX. He told me to contact the merchants and try to cancel with them. My wife works at a bank, XXXX, and explained that the procedure is generally a fraud affidavit and to dispute the charges. The XXXX male assured me he would send out a fraud affidavit and we had only 10 days to dispute charges from XX/XX/2017. I contacted XXXX but you can only contact them via an online email form. I described the situation and asked for them to cancel the pending charge of {$260.00}. By XXXX on XX/XX/XXXX, the XXXX charge was cancelled and money of {$260.00} was back in my account. I conacted XXXX XXXX XXXX via email form to as there was no phone number as out of country company. I did not hear back from the company until email received on Wednesday, XX/XX/XXXX stating that there was nothing that the company could do to explain the charges since WE HAVE NO PRIOR BUSINESS with them but they " would cooperate with any disputes with the debit card company. '' I forwarded all documentation to Money Network via fax and mail on XXXX/XXXX/17 and then sent out all the documents via priority mail return receipt on Friday XX/XX/2017. I have retained all necessary documents which can be provided if needed. I regret having my money deposited with Money Network AKA First Data as now my co-workers have informed me that they have had similar situation and have NEVER received a resolution and that I would likely lose my money as the 10 days have now expired. I NEVER RECEIVED a fraud affidavit from the company and now am very concerned as the unprofessionalism and lack of understanding is clear on part of an out sourced call center to another country. I have done everything correctly and spent time and out of pocket to try and correct this situation for obvious FRAUD but the company does not seem to care to respond or act. I am at wits end and hope that at least but notifying the CFPB someone else does not go through this mess.

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 2016-07-22 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had XXXX XXXX Costco card from XXXX until XXXX XXXX XXXX, all these time my payment was on autopay and made all the payments on time without fail. Costco informed me that XXXX XXXX XXXX onwards XXXX will be the official credit card of Costco and XXXX wo n't work after XXXX XXXX XXXX. On XXXX XXXX XXXX my XXXX stopped working and I started using XXXX for Costco purchases. On XXXX XXXX XXXX Citi bank sent me a statement which also includes the purchase I made using XXXX card with an interest due amount of {$34.00}. Since I had XXXX on autopay I was not worried about paying XXXX manually. Also, being used Citi for only 17 days I was not expecting any late payment issues. 

So here my question is why Citi bank charge for the interest? There is no right for citi to charge me any interest.

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 monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : XXXX, XXXX XXXX, XXXX XXXX XXXX and Advance America. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX in XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive. 

I first started using payday loans about 6 or 7 years ago. My current situation of using multiple payday loans every two weeks started at the end of XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XXXX of last year and XXXX of this year. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? 

On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT ASSOCIATES, INC. (OR)
State: OR

Complaint narrative:
I was contacted by XXXX to check my feet. I was told they were in my insurance network on XXXX different dates prior to going in. They took my insurance card and co pay. 2 weeks later I received a bill stating my insurance would not pay. So they want me to pay the bill. This clinic is dishonest and lies to public. I could of went across the street and my insurance would have paid, but believed I was covered based on what the clinic told me. Now they have turned me over for collection and is on my credit file. I have requested the collection agency take me to court where I know I would win, but they refuse to move forward to get this off my record and just leave it on my credit file. Fraud!!!!

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 2016-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Today, I received U. S. Mail an XXXX credit disclosure, Confirmation # XXXX ; in which Capital One Bank under the context of being a " creditor '' XXXX XXXX 2016, has now circumvented the three Opt-out letters I wrote. I wrote all XXXX major credit reporting agencies - including XXXX U. S. Mail - as per the bottom of their enclosure in the " pre-approved credit card '' offers I complained to CFPB about. There is a blatant case of fraud here in impersonating a current creditor/debtor relationship to sneak into my credit report when no business relationship exists. I have never applied for any of the approximately XXXX bogus offers of credit. I have opted out before this was put on my credit report - in black and white on page XXXX of XXXX for CFPB review. It is wrong. It is blatant. It is illegal. XXXX clearly distinguishes this recent credit inquiry from others that are promotional in nature and which I have since opted-out upon. FCRA requires a legitimate business reason for such activity. I have tried to stop Capital One Bank, U. S.A., N.A., Accounts Receivable, XXXX, Virginia XXXX to cease and disist all communication with me and all third parties to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
My wife sent our home mortgage payment to our lender on time ( first of the month ) but had written the incorrect amount in the numerical box but the correct amount on the written line of the check she had sent. The mortgage company held the check and did n't inform us of the error until the payment was considered late ( last of the month ). Had they contacted us with the error we could have corrected it and the payment would not have been considered late. When we contacted our lender they said they had done everything " by law '' and were unwilling to remove the late pay entry on our credit report.We would like to re-finance our loan but are unable to do so, because of the late pay entry on our credit report.

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 2016-11-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc.
State: KS

Complaint narrative:
On XX/XX/2016 at approximately XXXX, my mother in law contacted me to tell me that a bill collector called her and threatened to take her to court and garnish her bank account over a bill that my husband and I owe. We have never put our mother in laws name on any bills that we have. She was hysterical believing that this would happen over our bill to her. She gave me the following telephone number XXXX which I called finding out the company 's name is Diversified Consultants. I asked them why they would call an individual who is not on our account and disclose personal information at which time I was told that the individual responsible would be reprimanded and that the phone number was taken off of the account. I asked them how they got her telephone number in the first place since she is never on our bills at which time I was told that the individual may have looked at different phone numbers to find a family member. I was then asked if I wanted to take care of the past due amount where I flatly answered no.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
I called loan Depot.com, XXXX for an check of their rates on a home equity loan. I was transferred to XXXX XXXX XXXX who proceeded to give me a high pressure sales tactic for a 30 year mortgage loan of {$100000.00}, which I did not want. I did not accept this offer, and only told him I would think about it. I had subsequently decided to accept a more conventional HELOC with another lender. Loan Depot.com called my house numerous times, and today a fully filled-out loan application ( minus my signature ) arrived in the mail. I feel this is completely out of bounds and I am very upset about this. A lesser informed consumer might feel obligated to accept this offer, which obligates them for 30 years. I would like the CFPB to issue a warning to loan XXXX and XXXX XXXX stating that this tactic is unethical. I 'm not sure if this is illegal, but if it is please take appropriate action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
My bank recently closed my bank account due to an reporting by USAA to XXXX. I got a copy of my XXXX and it is EMPTY. Nothing on there but apparently USAA reported me to Early Warning Services XXXX by in XXXX and I have NEVER even opened a USAA or heard of them. I contacted bank to ask to remove XXXX XXXX report and they said since its from XXXX they ca n't see that far back and that its was written off. They then invited me to open a new account. Please make them remove the XXXX XXXX XXXX report. 

This is making a mess of my financial life. I want to see proof with my signature on it that I opened these accounts. If you can not provide documentation with my signature, I demand these XXXX items be removed from XXXX XXXX XXXX XXXX XXXX. I will be filing a lawsuit in CA court on Tuesday. 

Account # 's XXXX and Account # 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 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I am submitting a complaint against Diversified Consultants. Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX They were assigned a collection account in the amount of XXXX dollars on behalf of XXXX XXXX. I contacted XXXX and they stated they were pulling this back from the collections and that I could pay in full and the tradeline would no longer be reported on my consumer file. I paid in full. Diversified is still reporting this negative information on my file. In my opinion XXXX, or Diversified can not completely verify that the debt was XXXX percent accurate because I am owed money due to XXXX being cited and sued by the FTC for over 105 million dollars for cramming and premium text services. XXXX unlawfully charged consumers for 3rd party services that were never authorized. Therefore they can not fully XXXX percent confirm that my account information was accurate. They reported this to Diversified while the FTC was still investigating. While I have paid off this account, I paid it off being told that it would be fully deleted from credit file. Since the debt can not be fully validated from XXXX Diversifed should not be able to report this tradeline on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
A man called USAA Banking services pretending to be me. He did n't not know my user name, my USAA number or my phone password yet USAA " validated '' his identity by asking questions about my credit card, information he obviously already possessed. Once " validated '', USAA allowed him, over the phone, to change my on-line password, on-line pin, on-line security questions and my debit card ATM pin. To make matters worse, USAA " reminded '' him of my USAA number which now allowed him access to my on-line account and this allowed him to transfer {$4900.00} from my savings to my checking. To add insult to injury, USAA approved him to withdraw {$4500.00} in cash from an ATM machine ( he withdrew XXXX {$500.00} withdrawals ). The negligence involved here is criminal! USAA has no concept of security. As soon as this person did n't know my phone password he should have been hung up on!

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 2016-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Since Nationstar became a XXXX sub-servicer of my mortgage loan 3 months ago, the company has failed to post my monthly mortgage installment payments against my account in a timely fashion. Each month, I receive a call from Nationstar inquiring as to where my payment is when, in fact, the company had received my payment well in advance of the due date. I received another such call yesterday ( XXXX/XXXX/2016 ) inquiring about my XXXX XXXX payment. My mortgage installment payment ( due XXXX XXXX ) was electronically sent to Nationstar on XXXX/XXXX/2016. I also received a letter in the mail stating that I would be assessed a late fee if Nationstar did n't receive my XXXX XXXX payment by the end of my grace period. Nationstar has my XXXX XXXX payment! How can this happen month after month? I have reason to believe that the company is failing to post payments in order to access late fees on its customers. This practice is reprehensible!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I have a USAA charged off that 's being reports monthly to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Diversified Consultants, Inc.
State: HI

Complaint narrative:
I had a tablet that used data from XXXX back before my bankruptcy. It was a on-demand thing, so when I did n't use it there were n't any charges on my bill. I removed the SIM card from the tablet in the months before I declared bankruptcy while I was selling my possessions to pay my debts. 

Mind you, this thing was n't plugged in and I did n't have a contract. Somehow, XXXX started positive balance ( a credit on their books ) to a negative. My bankruptcy went through and I thought the matter was done with. Now, I 'm getting calls from XXXX, CA. A company called Diversified Consultants is attempting to collect on this debt, which is a piece of XXXX to begin with, but should have been discharged completely by my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
I receive multiple calls from USAA for someone who is no longer at this phone number. I 've asked them to remove my number from their list but they have not done it. I 've had enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 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: IL

Complaint narrative:
XXXX in my book is a thief & scammer, th eworst Customer Service when custmers really are at there Mercy! 

I refuse to pay any more money to them. 

XXXX 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 2017-03-26 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
XXXX has not communicated with the collection agency that the XXXX box has been returned!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
EX SPOUSE WAS ABLE TO OBTAIN A LOAN IN THE AMOUNT OF XXXX ORIGINALY ASKED FOR XXXX. WAS SPOUSE AT THE TIME OF THIS LOAN. I WAS NOT AWARE OF THIS LOAN. FOUND OUT AFTER WE SEPERATED IN 2014. SHE WAS ABLE TO DO THIS ALL OVER THE COMPUTER. HER AS THE PRIMARY AND ME AS THE CO/ BORROWER. HOW IS A BANK ABLE TO DO THIS WITH OUT PROPER AUTHORIZATION. AND IT WAS DONE USING MY ALIAS. WHICH I NEVER DO ON LEGAL BINDING THINGS THAT REQUIRE AN ID, I DID NOT Authorize, or take out this loan. HOPE YOU CAN HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief