vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-09 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
Paypal has a policy which states : If you provide tracking information ( XXXX ) and we can confirm delivery, your payment should be available three days after we can confirm the delivery date. 
o Pending payments are generally released three days after we can confirm delivery, but sometimes the delivery information takes a bit longer to update. If it 's been three days and your payment is still pending, the information is still processing and the payment should be available soon. Please note that pending payments ca n't be released before you meet these requirements. 

I have entered tracking information and delivery confirmation has been entered by XXXX as of XX/XX/2016. The buyer has not made any complaint or expressed any concern with his delivery. Paypal has not released my funds for transaction ID XXXX Instead they are saying they may " hold '' them for up to 21 days!!! For no cause or reason. Just because I 'm new at selling on Ebay. 
How many millions of dollars in customer funds may they be holding and earning interest on despite the fact that the seller delivered a product and the buyer received the product and there is no dispute? This seems completely predatory, arbitrary and lucrative for a company of this size handling as much money as they are. Please address this for me and millions of others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was scammed online, and did not receive what I paid for. Was not able to cancel payment in time on Paypal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Paypal has closed my account down & permanently limited it when they should n't have/mistakenly did. They even have a lawsuit against them ( class action ) for shutting down accounts and limiting them for incorrect reasons plus inappropriately handling disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 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:
This current account has been reported 45 times with different collection companies all of them have failed to validate the account in this company it 's written starting the account one more time and if it legal under the Federal Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I transferred funds from my XXXX Checking Account to my USAA Checking Account on Friday, XXXX XXXX. This is not the first time I have transferred funds from and to these accounts. This is however the first time USAA has held all but {$100.00} for 4 business days, which has ruined my attempt at surprising my wife and son for XXXX. I called USAA to inquire why they were holding my money and was told that it 's due to my maintaining a low balance in this account ; that the amount being transferred ( {$630.00} ) was much higher than my average daily balance of {$40.00}. I only use my USAA account for work-related expenses ; to pay for parking, toll road fees and an occasional cup of coffee. I 've researched the XXXX, Title XXXX, Chapter XXXX, Subchapter A, Part XXXX, XXXX, which states electronic transfers should be available the next business day ; and I find no " Exceptions '' that speak to maintaining a low balance.There 's no reasonable business reason for this punitive rule other than to squeeze out a couple of pennies from each consumer. What this USAA ( Low Balance ) rule essentially does is penalizes consumers by holding their money hostage unless they maintain higher balances in their accounts. If they ca n't make money off of your money on a daily bases ( low daily balance ), then they 'll hold your money if/when you make a larger deposit and make money that 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 2017-01-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I purchased a XXXX garage door through XXXX. The installer XXXX XXXX XXXX installed damaged panels instead of alerting me to this and installing non-damaged door panels. Furthermore, even by their 3rd visit they still did not install the door hardware or even use the proper bolts, and they damaged the framing of my house too. 
Some how XXXX, my credit card issuer, has ruled in XXXX 's favour even though XXXX never even sent in any documents! I though sent in 2 letters with photos of the damage and lack of door lock, handle and kickplate! I was told by USAA that I can have the case re-examined by receiving a phone call from the Disputes Analysts assigned to my case ; I said fine as long as they do not call my on my XXXX ( sun down Friday to sundown Saturday ). Lo and behol they call me on my XXXX ( Friday XX/XX/XXXX at XXXX )! The Disputes analyst left me a vm with her call back number and extension. BUT the phone number she left has a system that can take extensions of only XXXX numbers! I called the regular USAA ph number and that rep gave me the direct number to the disputes department. Calling this number I was indeed able to put inthe whole XXXX digit extenson number but every time i call i get her VM and no return phone call!!! 
XXXX | XXXX | XXXX My current call log : XX/XX/2017 - left vm @ XXXX XX/XX/2017 - left vm @ XXXX XX/XX/XXXX - left vm @ XXXX & with general VM too USAA is constructivly ignoring me and enying my my contractual rights.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Geneva Financial, LLC, Chandler, AZ Branch
State: AZ

Complaint narrative:
The loan officer threatened to disqualify the buyer if I issued a cure notice. Loan doc 's were not at title 3 days prior to the close of escrow date. Clearly a breach of the purchase contract. I was protecting my seller.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
THEIR IS THIS DEBT COLLECTOR THAT CALLS FROM SEVERAL DIFFERENT NUMBERS BUT I HAVE N'T RECEIVED ANY R WRITTEN COMMUNICATION FROM THEM. THEY DO N'T LEAVE VOICE MAILS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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: TX

Complaint narrative:
Company is reporting that I owe {$570.00} to XXXX XXXX XXXX, I have never has business with this company. This account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I received a letter from USAA indicating that my credit cards are being closed due to 'unacceptable behavior or activity '. I called USAA and they will not explain the behavior or activity that was 'unacceptable ' to them, nor will they reconsider opening the accounts. This is significantly detrimental to my credit history as this was XXXX of the XXXX credit cards I opened over 10 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Ria Envia, LLC
State: NV

Complaint narrative:
Riamoneytransfer was contracted to provide payment service. 
After taking money, they blocked account. Payment was not made nor refunded. 
Emails to company are ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Credit card merchant paid disputed charges without my consent. Merchant went on to file deceptive report with credit bureaus. Credit card company misrepresented merchant dispute later fictitiously listed as late payment, missed payment and merchant charge-off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MB FINANCIAL, INC.
State: CA

Complaint narrative:
My mortgage company did not pay the flood insurance out of escrow as it had been set up. As such I had to pay my flood insurance and submit verification or lender insurance would be secured. I obtained insurance in XXXX, submitted proof in XXXX, XXXX and twice in XXXX. The insurance was not verified so I had to pay an extra {$500.00} to cover the lender procured insurance. I submitted my normal payment, plus XXXX as I always do to pay my mortgage of quicker, but the lender refused to process it since it did not cover the full cost of the extra insurance. 
MB financial blackmailed me into paying for insurance that was not needed, since I had already sent in proof 4 times for valid flood insurance, and was way over priced ( normal insurance is XXXX a year and their insurance is XXXX a month ). They offered a refund of course but if i did not pay the full amount XXXX before the end of the month, even though they had my proof of insurance, they were going to start charging late fees and of course report to the credit bureaus. 
I had paid XXXX but they refused to process until I paid the extra XXXX over the phone. They could not process a partial payment of XXXX, but would process a partial payment of XXXX and then apply the other payment. 
This can not be proper. To procure self insurance at an absurd rate and force someone to pay, even after proof of insurance was submitted multiple times. The threat of piling up late fees on top of attacking my credit is absurd and hopefully illegal. Thank XXXX I have the resources to pay, wait for a refund but if not they would have intentionally attacked my financial well being over their mistakes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
In XXXX 2015 my wife was in an a single care auto accident which cause over {$40000.00} in medical bills. USAA has failed to provide insurance as prescribed and pay for over 15 years. Their failure has negatively affected my wifes credit. Preventing us to move forward to purchase a home. We 've asked USAA to refinance a car loan to lower the rate an increase her debt to income. Even though the mistake is theirs they told us we had to wait 90 days. I 've asked repeatedly through various departments and reps for an explanation letter and have been refused. Also, USAA has doubled our insurance premium without explanation and without paying off my wifes medical bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc.
State: DE

Complaint narrative:
To give you some history and insight of what is going on I am starting from the beginning. I had an account with XXXX I disconnected with them and moved to a different cell phone provider. During my time with XXXX I financed my cell phones, and paid on these phones with the monthly billing. When I disconnected I still owed a balance, but was told I could make payments on the balance still owed on the phones, but it would eventually go to a XXXX party collection agency, which it did and it was an agency called XXXX. They continued to honor what sprint told me which was I make payments to them and it would not report to the credit bureau. Here is where the problems began ; Sometime in XXXX the account was moved to another collection agency called Diversified Consultants. I was not notified until XXXX but because I knew I owed this balance I called and said I wanted the same arrangement and to continue out my payments. I later called and wanted to validate the debt to make sure their records were correct because I had a different amount that I still owed, this was left on a rep named XXXX 's voice mail. Furthermore instead of honoring the same arrangement that I thought was going to be honored because I set up payments, they started reporting to the credit bureaus the debt they had on file. I am upset that they never gave me a date as to when they were going to report negatively and the fact that I am in dispute with the balance. Which I had to call a second time to put in this request, so while in dispute I also asked them to remove it from collection and to again provide me with verification debt/balance owed. I have yet to receive this requested information and feel they should remove it from collection as I never was given the notification that they were not going to honor the original agreement that I had with XXXX and XXXX. They also never once mentioned they would be reporting anything, and told me I did not have a right to know which I feel is against collection policies. As a consumer I should have the right to know when they are going to report, and if they are going to report, because I know not all collection agencies report a debt. Then they stated that it had been a couple months since they had this account and that it 's been since XXXX but I was not notified in writing until Mid XXXX and should not be held accountable to the sale date in there systems. I also was under the impression that they were under the same agreement as the previous agency was never made clear of their terms for collecting. I also requested for them to remove the debt while I am in dispute and that yet to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 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: KY

Complaint narrative:
First of all, I have XXXX complaints for the SAME thing from XXXX on my XXXX credt report and it 's on XXXX once. Secondly, I called XXXX to tell them to cancel my service, since my husband had passed away and he was the one who had used it. They did not cancel when they were supposed, and their service was not even used during that period they 're charging for. What really burns me up, is that I had been a customer with direct for more than XXXXXXXX years, and they treat their loyal customers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I was written a check in the amount of {$270.00}, from XXXX XXXX, with an account from XXXX XXXX Bank. I attempted to deposit the check thru USAA 's mobile deposit, via my cell phone. I got a couple of error messages and decided to go to my local bank, XXXX, to deposit the check. The next morning, XXXX XXXX, I noticed that both banks accepted the deposit. I called both banks immediately and explained the situation, then I asked XXXX to call her bank and explain the situation, she did. USAA advised me to let the transaction happen and XXXX of the banks would reject the deposit. XXXX also informed me that XXXX of the transactions would be rejected. Within a few days I noticed that XXXX had returned the check and charged me a {$5.00} return fee, which I expected. The funds from the check were still in my USAA account. XXXX XXXX, 2015 the funds were pulled from the USAA account. I contacted USAA and the representative told me that the funds would be returned to XXXX XXXX 's account. I contacted XXXX and she explained to me that the funds were debited XXXX, then credited once and charged an overdraft fee. We waited a few days to see if the funds would be returned to her checking account, which never happened. I called USAA again on XXXX XXXX and they told me that the funds had been taken out of my account by the Federal Reserve and put into an account at XXXX XXXX, because it was a duplicate check. USAA told me that my local bank, XXXX, would have to take over and that it was no longer in their hands. The same day I called XXXX and spoke with the branch manager, and she explained to me that the check was not returned due to a duplicate item, but because there were insufficient funds in the XXXX 's account. I was advised to contact the Federal Reserve and give them the reference number that USAA gave me. Ref # XXXX. When I contacted the Federal Reserve they told me that USAA had given me the wrong information and that USAA would have to call on my behalf. The women with the Federal Reserve never asked me for the reference number, but instead suggested that I file a complaint if USAA refused to help me with the situation. I feel like USAA has given me the run around and ca n't seem to answer any of my questions correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
DIVERSIFED CONSULTANTS A COLLECTION COMPANY THAT CONTACTING ME ABOUT A DEBT THATS NOT MINE FUTHER MORE THEY HAVE NOT VERFIFED THIS DEBT AS MINE IS THIS LEGAL? THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I HAD A ACCOUNT WITH USAA MY ACCOUNT WAS COMPROMISED BY A 3 RD PARTY XXXX. I WAS TRYING TO GET A LOAN WITH THEM. I HAD TO GIVE THEM MY INFORMATION TO VERIFY MY ACCOUNT, THEY PUT IN XXXX DOLLARS IN MY ACCOUNT AND USAA PUT THAT MONEY ON HOLD. WHEN I CONTACTED THE FRAUD DEPARTMENT THEY REMOVED ME FROM SEEING ACCOUNT SO THEY CAN FIX IT AND CORRECT NOW THEY GIVE THAT MONEY THAT WAS ON HOLD BACK TO XXXX XXXX AND CHARGE OFF MY ACCOUNT XXXX DOLLARS. THAT MONEY ON HOLD SHOULD HAVE CLEARS UP ACCOUNT TO XXXX BALANCE. PLEASE MAKE THEM DO THERE JOB AND CLEAR THIS ACCOUNT UP.

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: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
Due to a business failure, I had to file bankruptcy recently. I have an auto loan with USAA Bank that I am trying to do the right thing with and pay the loan as agreed upon and also so that I can keep the car. Being able to check my balance and pay the payments due online is something that I feel that I should be able to do but USAA has informed me that, because I filed bankruptcy, I am no longer entitled to have accounts with USAA or to have online access to my accounts and that any time I want to check my balance and/or make a payment I have to call them for that information which, depending on call volume can be a huge inconvenience. I feel as though USAA is punishing me for filing bankruptcy even though I am attempting to make good on the loan that I have with them. I complained about this to them to no avail and the treatment I received during that process seems to indicate a culture issue at USAA regarding people that have filed bankruptcy. I also know of someone who had car insurance with them and they XXXX his premiums for the sole reason that he filed bankruptcy. 

I understand that banks are prohibited from attempting to collect on debts that are involved in a bankruptcy but, once the bankruptcy has been discharged and the customer is making payments as he/she should be, I do n't think that it 's right that they should make life difficult for that person by denying them online access as well as the opening of future accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 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: Orions Management Group, LLC
State: NY

Complaint narrative:
Military spouse stationed in XXXX XXXX. Had cell phone. Account closed in XXXX when departed back to state side with military orders on XXXX/XXXX/XXXX. Suddenly I am two months overdue on this phone bill as of XXXX XXXX. Stating that the act. is open and I owe XXXX. Tried contacting the company. Phones are out of order. No way to communicate with them however, lost XXXX points on my XXXX score for an act that was closed almost 3 years ago. Orien is the name of the company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed