vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SecurityNational Mortgage Company
State: TX

Complaint narrative:
Applied for Home loan in the early part of XXXX, got pre-approved. Was told to find a house and submit a contract, we were good to go. Found a home and securing contract on XXXX XXXX, so by this time they had all our paperwork for at least six weeks. Had 21 day contingency on Financing, asked the lender on day XXXX if we have loan for sure, We were told yes we were fine, not to back out-it was closing, otherwise we would back out. So then went through and had inspection {$450.00} then {$1000.00} earnest, then appraisal {$520.00}, {$100.00} option money. Then the week of closing she tells us we needed an extension because an FHA form ( which is usually signed by XXXX parties at title ) was not signed by XXXX parties and the end of the month held us up. We had to postponed closing for 1 more week. Then 2 days before the second closing date she still needed a document from the IRS. She told us to repeatedly call the IRS until we found someone who would fax this document which usually has to be ordered, with a XXXX21 day turn around per the IRS. Three days before closing we were denied and out {$2000.00} and hopefully no breach of contract from seller, as of now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: GA

Complaint narrative:
CMRE is using a tacit to collect on a debt and states in my consumer report that I dispute the account, I do not dispute the account and have sent many letters stating. This is a tacit that requires the consumer to call and ask from them to remove and when I did, they said I would need to settle before they can remove it. I applied for a XXXX refi and was told due to the dispute the credit union could not move forward until it was removed.

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 2016-11-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
This is a debt with XXXX, which was sent to a collection agency ( Convergent ) I called in XXXX to verify the amount owed. I was first hung up on which was a Saturday. I called back the following Monday and spoke to a rep named XXXX XXXX. I was given the amount owed of XXXX ... I advised I did not have XXXX she then gave me a settlement offer of {$10.00} ... I made a payment of {$50.00} XXXX XXXX, and {$650.00} XXXX..when I called in to pay the balance of XXXX on XXXX, she then adv 'd me that XXXX sent in more charges of the phone itself that not had been fully paid ... the balance then came to {$1300.00}, which again made a settlement offer on that of {$1100.00} ... therefore now XXXX seperate settlements on the same account. I paid {$100.00} on XXXX XXXX, 2016, {$100.00} on XXXX XXXX, and {$100.00} on XXXX XXXX, 2016 which leaves me a balance of {$840.00}. I called today XXXX/XXXX/16 to verify my payments. The rep then told me there are more added charges from XXXX, when I had infact called XXXX, and the XXXX was the last of the charges. The charges that were added when I called on XXXX, she is trying to put back on by balance. 
This company is a lie. I am so upset. It seems like everytime I call, they add more charges

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
We contracted with XXXX to build our house for {$440000.00} and had USAA provide our financing. In early XXXX 2016, USAA requested an appraisal of the home and we learned USAA provided incomplete and inaccurate data to the appraiser when conducting my appraisal. The purchase price submitted to the appraiser was {$410000.00} which was inaccurate and the inaccurate price was used to calculate our price per square footage and comparables. We challenged USAA and requested a reconsideration of value only to be denied with no explanation as to why. On the day of our closing XXXX, the appraiser was contacted and asked to visit the property that day XXXX XXXX XXXX to complete the reevaluation, which we learned through conversation with the appraiser, she never received our options list or received any contact from USAA regarding our request for reconsideration of value. 

As a result, our house did not appraise for the purchase price and our loan to value was significantly impacted where we were required to pay a higher amount into escrow for private mortgage insurance ( PMI ). In addition, our monthly PMI payment is higher due to the lack of value from the appraisal. 

I 'd respectfully request the CFPB 's help to have USAA provide rationale for the usage of an incorrect appraisal, the lack of communication to the appraiser when a reconsideration of value was requested due to inaccurate data, as well as retribution for the excess paid into escrow at closing and monthly PMI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 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: CA

Complaint narrative:
Keep getting the letter threatening to spoil my credit. the only option offered is to pay or call for long hold times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
For over 3 months I have been receiving frequent calls from XXXX which internet searches reveal is coming from " Diversified Consultants '' debt collector. They do not leave any message, nor have they sent me any documentation to my mailing address. If they have my phone number, which I have never provided, they should have my mailing address as well. The calls I receive have been at all hours of the day, including weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Diversified Consultants, Inc.
State: OR

Complaint narrative:
XXXX previously agreed to settle account in the amount of {$200.00} and at no time during the correspondence did XXXX state that it would be sent to collections or that I would have to pay collections. The settlement stemmed from overbilling, misquoting prices on plan, cramming of charges. I filed my complaint with XXXX DOJ and the agent was involved from the beginning to the settlement of {$200.00}. XXXX XXXX, Executive Services Analyst of XXXX failed to respond to my last XXXX requests how she now stated the collection agency when we had corresponded for the last few months. I believe that XXXX is attempting to harass me due to their inadequate collection tactics, improper error in pricing and the cramming of unauthorized charges to accounts. Due to the failure of XXXX to respond, I would like to pursue this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
This is a complaint against USAA for a combination of the company 's epic incompetence and deceptive business practices resulting in the improper denial of access to my accounts. Consequently, I seek your assistance in bringing an investigation against the company for a potential enforcement action. 

[ See attached letter for details. ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
PAYMENT ALLOCATION VIOLATION : I spoke with XXXX USAA representatives yesterday and sent them a message about my credit card payments not being applied in accordance with USAA 's credit card agreement nor by the Credit Card Act of 2009 which requires payments above the minimum payment to be applied to the balance with the highest interest rate/APR until the payment/balance is exhausted. I got XXXX separate answers from the representatives, XXXX in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bepensa Capital, Inc.
State: MD

Complaint narrative:
I have sent a letter to them regarding the matter. However, no one sent a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " AFS Acceptance, LLC. '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 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: FL

Complaint narrative:
XXXX keep continuing to send a collection debt to collection agencies who in turn keep reporting on my credit report that I owe XXXX {$250.00}, for an account that was opened " apparently in my name '' ( NONE of the collection agencies EVER provided PROOF that I EVER signed any contract or agreement with XXXX ) in the period between XX/XX/XXXX and XX/XX/XXXX which I was overseas for that period completely. I fought the collection with the credit agencies many times and it has been removed every time I fight it. But XXXX keep hiring collection agencies to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 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: OH

Complaint narrative:
Company did not provide verification and detailed billing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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: MN

Complaint narrative:
The Diversified Consultants debt collector calls everyday repeatedly all hours of the day and night and hangs up from number XXXX. They have never once left a voicemail or stated who they are they just call and call. They have never mailed a bill. They have been calling daily for the past XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Multi-Financial Services, Inc.
State: TX

Complaint narrative:
I recently became XXXX and got behind on my mortgage payments, XX/XX/XXXX I had a face to face meeting with the president of habitat in my home in which he sent me an email on XXXX XXXX to tell me what amount to pay for the mortgage since they had XXXX different amounts, then when I got some money in XXXX XXXX I sent in 8 payments in the amount of {$380.00} to catch up and become current on my payments .The XXXX XXXX XXXX XXXX XXXX after 10 years took the money, dispersed it the way they wanted to and claimed I still owed back mortgage payments and is now threatening foreclosure on my home, I was informed of this through an email on XX/XX/XXXX, but was n't aware of any letter from the event! I was n't notified until I got a hold of the attorney on XX/XX/XXXX and then received certified copies on XX/XX/XXXX because the attorney sent it to an old p o box that he knew I no longer had as of 8 years ago! They are going to leave my XXXX year old daughter and her XXXX mother homeless, we have no place to go! They did give me a chance to sell it, but I was told I would get the equity out of it and they would keep the remaining amount, including any profit from the sale, now I did n't think that a non-profit organization could make and keep a profit off of a foreclosure sale of a XXXX XXXX home after 10 years? Maybe I 'm wrong, but it 's not right! Please help?? They have n't even given me a loan modification or forebearance? XXXX XXXX XXXX is suppose to stand for helping family 's in need not putting them on the street?

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
Consumer complaint received 2016-05-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I have a Mastercard with USAA. USAA failed to send me any notice whatsoever that my payment was past due and immediately turned it in to all XXXX credit bureaus damaging my credit and by doing so violated the FDCPA. USAA refuses to remove the reports it illegally made to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 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: CA

Complaint narrative:
I paid what I was told was my final payment on a XXXX XXXX XXXX phone that I cancelled. Next thing I new I received a letter for collection. I called to ask whet this is about they told I still owed money on this XXXX phone. I told them this was a mistake and I hung up and called XXXX XXXX XXXX. XXXX would not discuss the bill because the bill was sent to collections. But, they did tell me that XXXX XXXX called and change my address to a North Dakota Address. I asked them who authorized the address change and they said she did. No XXXX XXXX on account. After a couple of months I received another letter from a different collection agency. I called them and explained what happened and they said to pay the bill and they will have the back office review and the collection could come off my credit within 60 days. so, I paid. XXXX collection still on my credit report and now the North Dakota address appears on my credit report. Thanks for you consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Clear Debt Solutions, LLC
State: LA

Complaint narrative:
I do owed a pay day loan they been harassing went to my mom house and when I talk to them said I do n't pay this amount we will at go to your employment I do n't want to pay a company money that a scam and threatening me I want to make sure it going to that company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I went to XXXX this afternoon. I have been a 10+ year customer of USAA . I have a XXXX credit score and perfect payment history. I went to pay for my order and was utterly embarrassed as I was declined in line. I contacted USAA who let me know that a letter was going out dated today notifying me of the reduction of my credit line from XXXX to XXXX dollars. They mentioned the reason was that I do not maintain a high enough balance which could n't be farther from the truth as I frequently spend XXXX a month and pay it off. I could not have been more embarrassed to be declined in line. To make matters worse USAA reduced my line below my outstanding balance which will affect and be reflected on my credit as " exceeded credit limit ''. I could not be more upset at the lack of notification from USAA. They provided no resolution or explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 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: FL

Complaint narrative:
I was contacted by the collections agency attempting to collect a debt that they never billed me for. I asked them to send me a bill and for simple validation of the debt by phone and by certified mail. Instead giving responding to my letter, the reported the debt shortly after, not allowing me the 30 day period in wich they were not to report the debt to the credit bureaus and I was never sent any form of validation till this day. This is the XXXX company trying to collect thid debt from me and neither of them were able to validate it but Diversified Consultants were the only ones who reported the XXXX debt that was claimed to me mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Agency calls all throughout the day and night. And will call back to back as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 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: VA

Complaint narrative:
I have disputed this debt directly with Diversified Consultants on XXXX/XXXX/17 requesting verification of this debt because it is not mine. They made a remark on my credit report that the account is disputed and verified, but never sent verification. I have continued to receive harassing phone calls from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Geneva Financial, LLC, Chandler, AZ Branch
State: AZ

Complaint narrative:
Started a refinance with Geneva Financial on XX/XX/2015 with XXXX XXXX, received Good Faith Estimaterate of XXXX. Due to internal company policies, XXXX had to hand me off on XX/XX/2015 to another loan XXXX XXXX XXXX ( Branch Mgr/Senior Mtg Originator ). On XX/XX/2015 received another XXXX XXXX XXXX loan rate of 4.250. These were the last papers I signed. On XX/XX/2015 I received ANOTHER Good Faith Estimate loan rate of 4.625, within days of closing. To get this far I had to back date documents per XXXX 's instructions, and DO to the extremely lengthy time frame, I needed to get a XXXX home appraisal at a cost of {$450.00}. I did not close on the loan do to the high interest rate, and in checking the average loan rates as of today ( XXXX/XXXX/15 ) are 4.125 - 4.250.

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 2015-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
USAA has reported me to XXXX and XXXX for fraud. It is prohibiting me from getting a bank account and they refuse to lift it even after I clearly explained to them the error I made in processing an online transfer. They are costing me business with banks and I would like the negative reporting removed.

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 2016-04-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I have XXXX credit cards with USAA Bank in XXXX XXXX. They are all Cash Back Cards but they do not tell you on your statements how much you have earned. In addition I asked to receive the cash and they try to get me to get gift cards, etc instead of the cash they owe me. They can not tell me, by card, how much cash I have earned and they try to make you jump through hoops instead of giving you the cash they owe you. I have been trying to get my cash back since XX/XX/XXXX and have been unsuccessful. The credit card dept. says the " rewards dept. '' handles that and the " rewards dept '' says the credit card dept handles that. 4 month and NO CASH. THIS IS JUST PLAIN FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Quality Recovery Services, Inc.
State: WA

Complaint narrative:
A review of my credit report shows an erroneous charge by XXXX of {$2900.00} ; for what I do not know. Upon my departure from my rental unit in 2011, I paid all rents due. Now they seek a large sum of money for services I did not incur. In so doing, they violate the Consumer Protection Law and the Fair Debt Collection Act. This erroneous credit reporting has greatly impacted my way of life in a negative way ; I am unable to experience the joy of renting an apartment or purchasing a car because of bad credit.

Company response to consumer: Closed