vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I became permanently XXXX XX/XX/XXXX. I am XXXX % service connected veteran and also on XXXX, I was forced in to bankruptcy. During the bankruptcy I signed an affirmation agreement on my XX/XX/XXXX XXXX and paid the balance in full. USAA has the credit report showing a charge off after a XXXX day late XX/XX/XXXX. First off a financial institution does not charge off anything for XXXX days, a XXXX day late is not a charge off. The payment was not even XXXX days late, due to the bankruptcy and reaffirmation agreement there was a mix up with the bank I believe. This loan was paid in full prior to payoff date even.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA has negligently refused to credit an unauthorized charge and told me over and over again that the account was correct. This has been going on for over 2 months. Today after being transferred over and over again I was finally able to walk someone through the error and they agreed but did n't know what to do. I am reporting negligence and gross incompetence of the USAA credit card company. Oh and after 2 hours on the phone with them trying to get it resolved they hung up. More incompetence and discourteous. Account has still not been corrected. Please point me to where I can receive e help in resolving this issues and do n't point me to XXXX because they are incompetent!! behavior.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Specialized Management Services, Inc.
State: AL

Complaint narrative:
I knew my Dentist personally, and he would do free work for me sometimes. After he died, the other dentist put me in collections for the stuff i was told not to worry about. I called the office they worked at today XXXX/XXXX/16, and all my files showed i owe nothing. All this free work was 10 years ago in my low XXXX. I dont feel like any of this is on me. I went to the dentist expecting to pay everytime. And this has my credit messed up and i need this taken care of asap. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I pay excess principal on my monthly mortgage. The check is sent monthly for XXXX, and the mortgage payment due is around XXXX. Despite numerous calls ( around 10 ) to the mortgage servicer, they continue to intermittently misallocate my payment, helping themselves to extra interest or advancing my monthly payment by one month. They tell me it is fixed, and the next month they do the same thing. I bank with USAA Federal Savings Bank in TX. They originated the loan. Both XXXX and XXXX have serviced the loan, and both companies have repeatedly misallocated my payments. The information from XXXX is attached. The information from XXXX was modified after my call to them this week, and no longer reflects their misapplication of my XXXX or XXXX payment. This should also be illegal : changing banking documents rather than showing the correction-

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 2016-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE

Complaint narrative:
USAA Bank would not give me a legal department phone number to discuss a recent bank Levy on my veterans benefits. I advised them they were disregarding Federal Regulation as of XXXX XXXX 2011 that advises banks they can not garnish freeze or Levy an account in amounts of a government direct deposits. According to this regulation it is there sole responsibility and obligation once a garnishment notice is received to look back two month to insure there are no governments direct deposit for XXXX of any type to which can not be frozen and it is their obligation to notify the party that is attempting to freeze the account for the amount that can not be Frozen. USAA Representatives failed to pass me on to a supervisor advising they were not available and also they refused me any contact to their legal department as well as refusing to remove the freeze on my account of my veterans benefits which is the only direct deposit ever made since his account was opened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I have home & auto insurance through USAA and, at one point, had XXXX cars on my policy ; never paid late. So, I decided to give USAA a try and apply for an auto loan on XXXX/XXXX/15 to try and build more business with them. After applying for a loan online, I was told that they required more information ( XXXX paystubs and clarification of income ) from me. I uploaded the documents right away and then called the next day and was told they did n't receive the documents. I then uploaded the documents while on the phone with the rep and was then told I needed to provide 2 years worth of tax returns!! NEVER IN MY LIFE HAVE I BEEN ASKED TO PROVIDE TAX RETURNS FOR AN AUTO LOAN!!! Just to play it out, I uploaded the requested documents and was then told they would have to get back to me ... I was still waiting as of XXXX/XXXX/15 when they notified me that they were unable to approve my request for the following reasons : Insufficient or unverifiable income. 
I provided the requested documentation to the bank to include the following:XXXX subcontractor agreements for both of my sources of incomeA recent bank statement detailing the deposit of said income2 years worth of requested tax returns ( XXXX and XXXX ) I have a good credit rating and make well over $ XXXX between my XXXX jobs. I feel like USAA discriminated against me and treated me like I was doing something illegal when I have proof of all information. To make matters worse, THEY REMOVED MY NEGATIVE REVIEW OF THEIR PROCESS FROM THEIR WEBSITE!! BUYER BEWARE!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am a member with USAA Bank and I have been having a problem with them because of a scam i fell for. The scam was an employment scam. The scammer contacted me with an employment opportunity. Subsequently, I cashed a check that they emailed me and wire transferred it into another bank because of the story they told me ( the whole conversation was documented ). After depositing the check and wire transferring it out to XXXX Bank, i figured out this was a scam. I immediately called USAA to tell them what happened so actions could be taken to stop all further transactions. Unfortunately, the representative i spoke to did not inform me of all actions that I could take and the my overdraft protection, that i have on my checking account, kicked in and I was charged with the full amount of the check ( approximately {$7900.00} ). I continued to speak with different representatives and departments within USAA but I always felt like I was getting the run around and no one really wanted to help with the problem. At one point, an USAA representative stated that she would get in contact with XXXX Bank on my behalf to try to resolve the problem, that never happened. I spoke with XXXX Bank about this problem and their Fraud Dept said that they would put on inquiry into the account that the money was transferred into, but could not do anything else. The XXXX Bank representative said that my bank, USAA, would have to get in contact with them for anything to proceed any further. Again, USAA did not want to help this problem and said that I am responsible for all money that was charged due to my overdraft protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: American First Finance, Inc.
State: CA

Complaint narrative:
i went and bought bedroom furniture and after they delivered it and left the loan papers I found out that I was paying more in interest then what I paid for the merchandise. after then furniture is paid off I will still owe them in interest. found out I was paying 120 % in interest when California law is only 10 %. I am not renting the furniture at all as I am buying it on a loan. am inclosing the full contract

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
My name is XXXX XXXX XXXX and I am an XXXX XXXX, XXXX ; I have recently been a victim of fraud. Someone is depositing checks into my account ( means unknown ) and withdrawing the funds from various ATM 's and XXXX in XXXX, XXXX. The checks are of course faulty ( labeled XXXX XXXX, which no longer exists ) and put my account negative {$40000.00}, plus the {$2100.00} I had in their before the activity began. I reported suspicious activity as soon as I noticed the issue, changed all of my info, reported it to the USAA fraud department, placed fraud alerts with all XXXX credit bureaus, filed police reports with the XXXX ( CID will NOT take the case ; told me to try contacting XXXX PD ), etc. USAA is holding me liable for the negative balance on the account and are exercising their right NOT to do business with me. USAA was unable to explain why I was not notified of fraudulent activity ( I am signed up for fraud alerts ) although activity is taking place in XXXX, and I 'm XXXX XXXX. When I asked why they would allow the account to get so bad, they responded with, " We allowed the funds to be immediately available because you have been a valued customer for so long. '' I was never notified of activity taking place across the US, I never called USAA to make them aware that I was going to be in XXXX, etc. I am married to an veteran as well, and together we have an XXXX yr old daughter. This has put us in a financial bind because XXXX of my XXXX paychecks was directly deposited into the negative-standing account because I was unable to change it in time. I am past due on multiple bills, etc. The ultimate solution I am looking for is to NOT be held liable for the negative balance of {$40000.00}, and to receive my {$2100.00}, which was garnished in the account. If USAA chooses not to continue business with me afterwards, I am ok with that. Any assistance you can provide me would be great. I have also contacted Congressman XXXX XXXX, XXXX XXXX of 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 2015-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
yes my name is XXXX XXXX and my complaint is with USAA. I fell victim to fraud I filled out an ad online through XXXX thinking it was a build your own business kit and it turned out to be a scam. First they want to hold me responsible for paying the overdrawn balance I feel as though that is not right for me the customer having to pay for the wrong doing to me by someone who committed fraud on behalf of my checking account. Now they are reporting to the credit bureau about this incident. I 'm a XXXX and me getting treated like I 'm the criminal is very unacceptable I feel as though that the balance should have been written all I was able to continue to use my account because my military pay for XXXX my tax return the month of XXXX in the month of me my military pay has been garnished because they said that I had to pay back the overdrawn balance and it was over {$5000.00} of my money that I work hard to make has been garnished trying to please USAA not knowing that my money was being garnished for me being victimized of fraud or my account being compromised. I would greatly appreciate it if I can receive a phone call and or an email about this situation and I can fill you in with more details about what took place because I would like to have the money that I put it in the account by me being the XXXX back. that 's all that I want from USAA is my money the money that I made on a monthly basis with the XXXX in my tax return I want my money back if they ca n't compensate me for what has been taken from me due to being victimized a fraud then I want to take them to court behind this matter I think is very unprofessional and very degrading and very disrespectful to treat a customer like he or she is the criminal that was done to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have been trying to resolve a credit card dispute with USAA since XXXX XXXX. The original dispute was XXXX {$100.00} transactions, now it is XXXX -- USAA has duplicated a disputed transaction! I originally filed a fraud complaint, but was told by USAA they should have been handled as disputes. Since then, these actions have been bounced back and forth between internal departments, and credits made and then reversed leaving me with an additional disputed {$100.00} along with the accumulated cash advance finance charges of {$3.00} as of this writing, totaling {$300.00} as of XXXX XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
In XXXX of this year I received a collections letter from Diversified Consultants stating they were collecting for XXXX. In XXXX of XXXX, I made arrangements to have payments taken out of my account automatically. So, I was concerned that this company was just trying to collect money from me. So, I sent a letter requesting validation of the debt. Specifically asking for them to prove that XXXX gave them permission to collect on this debt. They received my letter on XX/XX/XXXX of XXXX. They sent back to me a bill from XXXX. They did not provide what I specifically asked for. In good faith and just to resolve the issue. I had sent them a check for the full balance. 

Today I received an email from XXXX that they have added this account which is STILL IN DISPUTE to my credit report dropping my scores over XXXX points. I called this company and asked them how did they have a right to add this account to my credit report while the account was in dispute with their company NOT ATT. 

They told me they would not remove this account. So I told them not to cash my check if they do not plan to remove the account from my credit profile. 

They were rude, unapologetic, and simply did not care at all about the fact that they had profoundly affected my life. 

This company is a predator. I have a right based on the FDCPA and the FCRA to ask for verification and VALIDATION of anything reporting on my credit report or anyone asking me to pay them that I do not have a contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
We missed a couple payments on our HELOC around XX/XX/XXXX. We were attempting to short sale our home. We stabilized and began making full monthly payments around XX/XX/XXXX but did not get the arrears caught up for 10 months but we made full monthly payment for the full monthly amount due. The company reported to the credit agencies that we missed XXXX payments. They said they had the right to do that because the arrears where not current. They kept applying the new payments to the ones in arrears and reporting late payments for the current months we were paying. Do we have any protection from the law regarding this and if so what is the legal statute, where can I find it please? 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 2017-02-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BYL Collection Services
State: DE

Complaint narrative:
XXXX XXXX placed multiple accounts into collections without ever sending me a statement of services rendered. They turned the accounts over to collection agencies who apparently sued me for the debts. I never received notice from the collection agency that they were taking legal action, nor was I ever served by the courts regarding the date time and location of the trial.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
I am contacting the CFPB in desperation. Our home is scheduled for foreclosure sale on XXXX/XXXX/2015 and Bayview will not postpone this sale. The reason for hardship was completely out of our control as XXXX is permanently XXXX. I have been out of work because I stay home and care for him as he needs XXXX hour supervision and care. I had been working with Bayview for a loan modification and just today after my loan was transferred to yet another rep. The previous rep told me they were requesting an appraisal as they were refusing to defer 30 % stating my value just happened to be 79.99 % and would need to be over 80 %. After disputing explaining the value is much lower making the LTV closer to 95 %, he was going to request an appraisal. The very next day, a new rep was assigned and a denial letter was issued today, XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WESTERN UNION COMPANY, THE
State: HI

Complaint narrative:
My XXXX XXXX XXXX Account is being charged without my knowingly authorizing any transactions. I discussed the issue with the vendor and was advised the situation would be corrected ; the correction was process ; however, new charges that were greater then the original charges have been charged to my XXXX XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Lamont, Hanley & Associates, Inc.
State: NH

Complaint narrative:
XXXX from Lamont Hanley and associates continually calls our business for a debt we told he we do n't own. He has called my computer workers ex wife and will not stop. It is creating problems for orders coming in along with personal issues as a result of his repeated calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Patenaude & Felix A Professional Corporation
State: WA

Complaint narrative:
I have had two conversations with representatives of this law office regarding a possible settlement of this debt over the past year or so. Neither went far at the time because we lacked the means to make payments. 

This law office had someone who identified themselves as a process server deliver 5 documents that appear to be legal summonses related to some old student loans my wife took out going to school. I was left with the distinct impression that the company was taking legal action against us. However, when I contacted superior court in my county, I found that no suit had been filed and no paperwork submitted. Upon examination, the summonses all lacked specific court case numbers, but otherwise appear to be legal documents. They just say " pending '' where the normal court assigned numbers would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received a voice message from XXXX XXXX, who notified me about legal action will be taken against me. She threatened to visit my home on XXXX to obtain my signature on her paperwork. XXXX XXXX did not indicate which agency she is representing, but she left a phone # XXXX & reference # XXXX to follow up ; I called the number, spoke to XXXX XXXX of XXXX XXXX ; he retrieved my file, advised me that I applied for loan dated for XXXX XXXX, XXXX ; he threatened that legal action will be taken against me ; he asked if I was in the position to pay the account ; if so, he might be able to stop the legal action ; I verbally did not acknowledge the debt ; I told him that documents need to be sent to me for review ; I do not call this loan, I have not received any notifications about this loan until now. I am alarmed and harassed. I believe this is a scheme to access my personal information from strangers

Company response to consumer: Closed with explanation