vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-22 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: AL

Complaint narrative:
On XXXX XXXX, 2016, I sent a letter to the credit Bureaus requesting that they investigate and/or delete disputed items from the company Diversified Consultants Inc. from my credit report. My letter to the Credit Bureaus also requested that Diversified Consultants verify that they have legal right to collect debt in my state, the original contract, etc. On XXXX XXXX, 2016, I received a letter from Diversified Consultants through the United States Postal Service from Diversified Consultants dated XXXX XXXX, 2016. 

The letter received from Diversified Consultants stated that they are business as ( Diversified Central ) in the state of Alabama. I googled Diversified Central in the state of Alabama and have not been successful in finding the alleged company. 
I have reason to believe that Diversified Consultants lied about this fake company ( Diversified Central ) as a ploy to illegally collect money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: MB FINANCIAL, INC.
State: FL

Complaint narrative:
MB Financial Bank has sent us several Closing Disclosures with many errors involving closing costs and amount of the loan ( VA ). We contacted our Loan Officer and asked for corrections. She has said, " Oh do n't worry about it! '' This has gone back and forth several times, mainly because MB Financial & the Loan Officer did not want to rewrite the loan. They finally conceded that there was misappropriation of funds and now rewriting the loan. We have yet to see the Closing Disclosure and even so, we were told the closing on the home will be this Friday, XXXX XXXX, 2016. 
We have lost trust in the Loan Officer and MB Financial. We also feel pressured by the Loan Officer, the Realtor and MB Financial. [ We were told that if we opened the email ( secure document ) from MB Financial, we were giving consent for the Closing Disclosure. ] Can you help us look at the Closing Disclosure without giving our consent? 
We feel we would like to use another financial institution and have already started this process. We do not want to use MB Financial due to all these problems. 
The Loan Officer is not happy and neither the Realtor ( whom recommended the Loan Officer ). The Seller ( s ) are unhappy due to this delay. It is a mess, but not our fault! 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: American First Finance, Inc.
State: IL

Complaint narrative:
When my account got behind I made a payment agreement with them using my debit card. I had already paid off more than twice the amount of money I borrowed yet because of their insanely high interest rate they still claim I owe them as much as the day I borrowed from them. Anyway using a debit card ever with them is a BIG mistake. HUGE mistake. once I had used my debit card for what was supposed to be a single transaction when I got behind again they started debiting my account with that card on a daily basis. When I called they said that legally they were allowed to do so until my contract was up to date. My contract says nothing of the sort! Do not ever authorize a one time debit payment with this company because until you cancel everything with your bank they will bleed your account dry and not even bother with the contract arbitration that they have you sign. You are better off to use rent a center or aarons than these people. This company is predatory lending at its finest, ripping people off draining their bank accounts and socking bank charges on top of their own charges and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I have paid XXXX on to my USSA credit card on XX/XX/XXXX2016. I paid through bill pay through my bank. I have a check # and confirmation #. I have called USAA over 5 times in the last week and they continue to tell me that it has not been paid and to contact my bank. I have since received a {$70.00} interest view. I have requested to speak with a USAA supervisor several times but have not been able to. I have provided USAA with the check number, name of bank, bank contact info and the confirmation number and still USAA refuses to assist me in getting this resolved. In a few days I will acquire a late payment, because they have not recognized my payment of XXXX. I also want to make sure this does not negatively impact my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 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: CA

Complaint narrative:
I recently checked my credit report and found a credit item from the group DIVERSIFIED CONSULTANTS. The debt collections agency claims I owe {$1000.00} as of XXXX 2015 to XXXX. This debt is not mine. Additionally, the agency has not attempted to contact me, that I know of. If I had n't checked my credit report, I never would have known this was going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Clear Debt Solutions, LLC
State: OH

Complaint narrative:
CDR is calling me about a co-worker who has a debt with them. They are calling my company issued cell phone and my home land line.

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: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I had an existing Master Card issued by USAA bank. Without any notice it was changed to a Visa card. They advised this was a " business decision ''. I currently have another visa card. I advised them I wished to close my account and was advised this could negatively impact my credit score by as much as XXXX points. This is wrong for USAA bank to do this and worse that my credit score would be impacted by cancelling a duplicitous card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX XXXX based in XXXX SC has been making charges on our credit card. We filed a dispute with credit card holder - USAA. Nothing was done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
This debt is from XXXX XXXX and I do owe for one last month of service, nothing more than that. 

I received a letter from a new collection agency called Diversified Consultants, Inc., explaining that I owe a much larger sum and also added a " Collection cost '' to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 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: NM

Complaint narrative:
paid collection at XXXX XXXX/XXXX/2015 shows no balance, but Diversified consultant is show smae $ same reason that I owe $ this typical of XXXX, they were the original creditor. The turned over to XXXX and then over to Diversified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
Today, XXXX XXXX 2016, I was alerted via my XXXX credit monitoring service that a collection has been placed on my credit file from this company representing their original client of XXXX XXXX XXXX XXXX. First and foremost, I have been a victim of identity theft and have been dealing with this for quite some time now. I have had all XXXX reporting agencies ; XXXX, XXXX and XXXX place security freezes and fraud alerts on my files accordingly since early this year. 

Apparently, my social security number has been breached and utilized for fraudulent transactions this being on of them. Here is the following information showing on my credit file as of today : DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Original creditor : XXXX XXXX XXXX XXXX Acct : XXXX Amount : {$6500.00} According to my credit file ( s ), the information does not match mine with the exception of my social security number. It is currently reporting under a different name and address. Also, I have never been a client of XXXX XXXX XXXX XXXX and have been a XXXX XXXX customer for over 10+ years. 

While this has not yet reported on either XXXX and XXXX, I do want to jump on this immediately since this account is not mine and is simply FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I wire transfered {$66000.00} to a marketing company as an investment for commissions on small business loans that close. This company described themselves as a Network Marketing Company. But never delivered any service or products promised. In addition, all the contacts and phone numbers have been disconnected. 
I do have the banking routing info and am requesting the person/ people connected to this account be tracked and stopped. I would like to receive restitution and damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 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: NY

Complaint narrative:
I received an email alert from " XXXX from XXXX XXXX '' of a negative reporting in my credit report by " DIVERSIFIED CONSULTANTS INC., PHONE # ( XXXX ) XXXX XXXX ''. I immediately called that number and I learned that it is a debt collector acting on behalf of XXXX and I explained that I did not owe them and that this matter had been resolved via a former complaint to the CFPB. Upon checking my credit report, I came to realize that XXXX is again asking for a {$410.00} overdue payment. In response to that earlier complaint ( Case number : XXXX ), here is the specific response by XXXX XXXX XXXX from XXXX which handled the claim by XXXX : Please be advised that I have thoroughly reviewed the above referenced complaint. XXXX XXXX XXXX XXXX XXXX is a collection agency which performs collections sevices for XXXX in association with a collection claim on a defaulted account. 
XXXX XXXX is listed as the responsible party and all communication from our office has been in regards to the defaulted account. Per your complaint, a deletion from your credit file has been processed on XXXX XXXX, 2015 and the account has been returned to our client. You will receive no further communication from our office regarding the defaulted account. 
On behalf of XXXX XXXX XXXX XXXX XXXX I want to apologize for any inconcenience that this may have caused you. If you have any further questions or need additional information feel free to contact me directly at the number listed below. 
Sincerely, XXXX XXXX XXXX do not owe XXXX any outstanding overdue balance and the facts for this declaration were clealy detailed in my earlier complaint, Case number : XXXX. Additionally, the FTC in its online bulletin dated, Wednesday, XXXX XXXX, 2015 declared : " FTC Charges XXXX with Deceptively Advertising the Cost of Its Satellite Television Service '', which is indeed partially at the core of their claim that I owe them noney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
they are charging me more than i owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Bureau Services, Inc.
State: MT

Complaint narrative:
Collection Bureau Services Inc. of XXXX montana alleges that we owe them a debt, but they have never sent us the required notice of our rights to " validate '' or " dispute '' the alleged debt. The first communications that we have received from them, on the nature of this alleged debt, was a lawsuit stating that we owe them this assumed debt. A lawsuit is not a legal form of first communication on any alleged debt. Collection Bureau Services Inc. is practicing Unlawful Debt collection Acts. And since we were never given the opportunity afforded to us by the FDCPA guidlines. We have never had the chance to " validate '' or " deny '' this debt. Which is in direct violation of our consumer rights. As well as the fact that CBS Inc is misrepresenting whom the debt is being collected for. They state that it is being collected for XXXX XXXX XXXX XXXX. But XXXX XXXX XXXX XXXX no longer owns this alleged debt. So how can they be collecting it for them? The supporting documents included : Support of the fact that we were not in default on our payments to the original creditor when they sold our debt off to a 3rd party. The supporting documents also show that CBS INC. Is not in fact collecting this debt for the original creditor as they claim that they are. But rather they bought our account from XXXX XXXX XXXX XXXX while it was in good standing, and currently was in the process of being paid on monthly by the us. The fact that we were not notified that our contract was going to be sold to a 3rd party without our consent, while it was in good standing and being currently paid on. Makes this claim even more outrageous. Our right 's have been violated, by the original creditor " XXXX XXXX XXXX XXXX '' as well as " Collection Bureau Services Inc. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: International Computer Systems, Inc.
State: OK

Complaint narrative:
The XXXX time they called, I was told I could make monthly payments on an outstanding bill. The lady was polite. She asked me when I could make a payment. I told her it would be the XXXX of XXXX when I could make the XXXX payment. I sent the payment. Since then they have called repeatedly every day. I have answered a XXXX of times but the caller would just hang up or I would just hear music. They use several different numbers to call. I have gotten to the point where I will not answer these calls. It is annoying and harassing because I am set up on a monthly payment plan and they need to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: GA

Complaint narrative:
I sent an International online money transfer using Continental Exchange Solutions Inc dba Ria Financial XXXX in the amount of {$1000.00} ; they charged a {$7.00} fee for a total of {$1000.00}. Since I sent it to my own Bank Account abroad, since I could track the actual amount received by my Bank there, I realize that Ria Financial XXXX did not send the whole amount ; my Bank received {$980.00} and they applied the official exchange rate of XXXX XXXX = XXXX XXXX Dollar. Ria took {$12.00} out of my money and concealed it, using a lower exchange rate of XXXX {$2900.00} = {$1.00} 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 2015-05-14 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: FL

Complaint narrative:
Diversified Consultants is attempting to collect a debt they claim I owe to XXXX XXXX XXXX. I have disputed this in writing and requested validation. They have not provided validation and continue to post negative information to XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 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: TX

Complaint narrative:
Made several calls to XXXX customer service about not being able to return equipment. Equipment was returned and Collections Dept. said it would be removed. Debt had been removed from credit and collection agency and now has been re-reported in XXXX through Diversified Consultants INC even though XXXX removed it a second time. Spoke with billing again and agent XXXX said equipment was received and would escalate. This is the third time this statement is made. They have received the equipment and refuse to remove this. Agent provided Serial Number to verify equipment was received. # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
I am a XXXX veteran and have a checking account, XXXX investment accounts and XXXX vehicle insurance policies with USAA. 

I have been depositing the same weekly payroll check via the USAA mobile app into my USAA checking account, for the same amount and drawn on the same corporate bank for over 2 years without problem. My funds have immediately been available to me in the past. 

USAA has begun to " hold '' my checks for the entire deposited amount for 8 days before releasing and allowing access to my funds. Just yesterday I deposited a payroll check so that I could pay a car insurance premium and was stuck with a " hold '' on my check until next week. I had the same thing happen on a deposit XX/XX/2015. The hold is placed on the deposit for 8 days and then the funds are made available. 

I had been in the VA hospital and my auto insurance policy is about to be cancelled so I needed to pay it after depositing my check. Now thanks to USAA I will not be able to do that and after speaking with them there is nothing that can be done to reverse this " deposit '' so that I can cash my check somewhere else and conduct my business. 

USAA customer service and product policy has become very customer unfriendly to the point that I am cancelling all of my accounts ( auto, investment and checking ) with them. 

If you want reasonable and timely access to your hard earned money you should avoid this " bank '' and deposit it into a real bank that has a real branch near you. Meanwhile, I am stuck waiting for this smug " bank '' to release my money.

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 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
These guys from XXXX XXXX keep calling me and telling me that there is a legal action for Theft of Business services and it s a felony and Im going to Jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One reported a 30 day delinquency on my account. However, they had sent the statement to my old address, AFTER they had already been informed of my new address. 
I 've attempted multiple times to get them to remove the delinquency as it was their fault for sending my billing statement to my old address. I 've attached a copy of my XX/XX/2015 Capital One statement showing they were aware of my new address prior to the billing statement for the " delinquency '' being sent.

Company response to consumer: Closed with explanation