vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-21 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I have been making charitable contributions of money to individuals in XXXX for approximately three years through Western Union , Inc. These are now XXXX very poor families. There is nothing unlawful or divisive about these contributions. Lately I have made nearly XXXX transactions per month of small amounts of money for these families to purchase food, clothing and other life necessities. Suddenly I was arbitrarily and capriciously blocked from using their services. An action quite contrary to their advertisement. I have sent emails as I was directed by the company 's email and spoken to several company representatives to no avail. On XXXX XXXX, 2015 I was on the phone with XXXX different individuals for more than an hour and was told by the last individual that the action was result of a " business decision ''. Each individual indicated they did not have privilege to the information relative to the reason for this action. Whereas my attempts to interact with the company for resolution have each failed I turn to this agency for assistance with resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Non authorized charges to my checking account using my debit card number. Called same day the charges happened and said will be two days to get the charges reversed. Fraud department has not called me and when I call in can not talk them directly always get will call you. Three days have gone by with no emails or phone calls. The money in my account was there to pay mortgage and electric which I did online before this happened. Have not heard from them yet. Do n't understand how the charges went thru with out any questions being from an Airline overseas.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
That time on month again. I need to file the monthly complaint against this group. 
( USAA XXXX XXXX XXXX XXXX XXXX, TX XXXX ) For the XXXX knows how many th time they have the log in screwed up. Support refuses to answer the phones. They continue to HARASSS me about this XXXX " paperless '' XXXX when they ca n't even run a web site. probably XXXX time complained about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have been a member of USAA for almost 10 years now. On the XXXX of XXXX, my wife and I deposited her commission check she received for a XXXX deal she completed that day. She is a XXXX and has had large commission checks deposited to this account before. This particular check was for over {$6000.00}. We called before we deposited it via the mobile banking app ( because that is the ONLY way you can deposit a check ) to ensure some of the money would be available for immediate use. The banking rep stated that we would have access to most of the money. They would hold {$1500.00} while the check cleared. This seemed normal and we deposited the check. We immediately had access to the money like the representative stated with a hold of about {$1500.00}. Two hours later, the account was locked down for " Fraud Alert ''. We have XXXX accounts we use for different aspects of our lives. Not only did they lock the main account down, the account the check was deposited to, but locked down ALL XXXX accounts for " Fraud ''. This check came from a XXXX office. We called before we deposited it, and yet, EVERY account we had was locked down for " Fraud ''. To make matters worse, when we called to figure out what the issue was, they told us it would take THREE days for it to be rectified! THREE DAYS! We could n't access a XXXX of our money for THREE days! We spoke with several people and no one would help us. They kept telling us it would take the fraud department time to " investigate '' the check. Meanwhile, I have XXXX who I could n't feed because we could n't access our money. No answers, no sympathy, and no action was taken by USAA to expedite the situation. We spoke to a manager who gave us a bad attitude and did n't help us at all. It did n't seem that any department had any idea what the other was doing. One person told us that the automated system triggered the main account for fraud but then another person, they did n't know who, came behind that and locked us out of all of our accounts. We have yet to hear anything from anyone and the issue is still not rectified, 4 days into it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2016 : Applied to refinance my house with USAA, locked in my rate 3.5 %. 
XXXX/XXXX/16 : Received my application packet with all of the documents needed in the mail, including my intent to proceed. Expiration date of application packet was XXXX XXXX, 2016. 
XXXX/XXXX/16 : I uploaded all of my packet including my XXXX, income statements, intent to proceed, everything. I used USAA, so they have a digital portal to which I uploaded and indicated that I was done. The prompt said " Thank you! If we need any additional documents we will contact you. Check back to see the status of your mortgage application. '' XXXX/XXXX/16 : I get an email from loan originator XXXX XXXX XXXX # XXXX saying " I see your loan estimate has been delivered, please respond to this email with yes it is my intent to proceed '' I replied and told him I uploaded everything and yes it was my intent to proceed and asked him to please let me know if he needed me to submit the packet in any other format. NO RESPONSE. 

XXXX/XXXX/16 : I receive a denial letter in the mail stating my application was incomplete. I call and spoke with another originator XXXX XXXX who says " Oh yeah, I do see here you submitted everything on XX/XX/XXXX ... sorry about that. I 'll be happy to start another application for you, mortgage rates have gone up though. '' The increase in mortgage rate will cost me approximately {$7300.00} ( this does n't include the {$6000.00} in closing costs ). And they will have to run another credit inquiry. I was told by the manager " the individual has been reprimanded for his errors. '' However, I am the one who is paying the price for his errors.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
These reps keep calling from XXXX. They have been reported before to you by me. This company must try to collect under different companies name but the phone number is the same because I remember it. They called on XXXX/XXXX/2015 then again on XXXX/XXXX/2015 at XXXX I advised the rep they were told XXXX XXXX does not have my number earlier this week and I was told they would remove it. She stated again it would be removed. This company has called me before XXXX and they always say the phone number is being removed. Again I have reported them to you apparently you are not doing much about it either.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
My mortgage company, LoanDepot sent me notice that my taxes were increasing {$110.00} per year but my monthly payment would increase {$70.00} per month. I 've made several attempts to correct the matter via email and phone. Today, I called and the was placed on-hold to speak to a supervisor but no one has picked up the phone for over 45 minutes. I feel like LoanDepot is intentionally giving me the run around to discourage me from having the matter corrected as a similar tactic was used used previously when they asked that I allow them to analyze the matter and then they would call me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
Back in XXXX of XXXX I had a direct deposit of XXXX dollars that went into my checking account at the time with usaa, well there was fraud on the account not due to my own doings but a guy that I met online and gave him the information to put money in my account. They put my account on hold and locked it out due to this guy ( XXXX XXXX ) he would call himself, I even reported him to the FBI and still have emails that he sent me from that time, they have requested information to prove my identity and I did, every time I would call them to see if they had come up with an answer they would either hang up on me or transfer me to 5 if not 7 different departments and this is still going on today as we speak. Here is is XXXX XXXX, XXXX and they still have my money of XXXX dollars and cents that i received from my job back in XXXX and they still will not give me my money back.

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 2016-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
My divorce ended XXXX XXXX, 2014. In the divorce decree stated that I am not reliable of the mortgage that only my ex husband is reliable of the house. USAA savings bank is the mortgage lender and they keep sending me letters of how the mortgage is in default but will not talk to me. My name is not on the mortgage note or the deed and they ended up putting it on my credit. I want the mortgage taken off my credit asap if possible. If I 'm not reliable of the mortgage it should not be on my credit. I have a divorce decree that I will be sending with this to show proof. I do n't live in the house and moved out when my divorce has first started.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15 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: MO

Complaint narrative:
I was contacted by Diversified Consultants , Inc, XXXX XXXX at XXXX regarding an outstanding balance from XXXX XXXX XXXX. XXXX specifically communicated by our arrangement to settle the debt that XXXX XXXX XXXX would restore my account to good standing so I could restore any services with them nor require additional payment and no further collection or issues would exist. Well, that 's not the case. XXXX is not back tracking after I contacted her XXXX/XXXX/16 stating if XXXX XXXX XXXX wants to continue to collect the difference of the settlement or {$180.00} that is their prerogative. In addition to XXXX XXXX XXXX not allowing any new services they have now hired a new collector, XXXX XXXX XXXX , XXXX at XXXX. I have since spoke to XXXX 's manager, XXXX XXXX at XXXX who is stating XXXX XXXX XXXX can continue to collect. I explained to XXXX he then needs to pull the recorded conversation on file to validate my inquiry as valid and conclude I was mislead or lied to by XXXX. Having XXXX XXXX XXXX restore my account to good standing with no further payment was the reason I agreed to the arrangement and now it 's the one thing not happening not to mention more collection notices from the new Collection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA Bank has very poor customer service and a serious lack of communication with their customers. 
I have been unemployed and unable to find a job for almost two years now and surviving on what little income I have, which I have told the bank many many times. They claim they will assist customers who are going through times of hardship, but they do not really care about their customers at all. I had a personal loan with them which they decided to close without even notifying me that I had past due payments. I understand that, and I am paying it so it will be done with, but lack of communication with customers is wrong, very wrong. 
Just when things were being straightened out with them, I received a letter from them stating that they had closed my credit card account, ( which is paid up to date ) because of the consumer loan that they never warned me about. 
Funny thing is I have been emailing with XXXX of the bank executives and he never once mentioned they were closing my credit card account. 
It is so wrong for a bank to treat long time customers, especially ones who have served their country by either being a XXXX for the XXXX. 
USAA Bank claims that they honor and appreciate those who have served their country but if you are going through financial hardship they refuse to do that and work with you, instead they treat you like dirt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I saw a commercial on tv with XXXX XXXX for cash advance. I applied for cash advance back in XXXX 2016, on the website and was transferred to lendgreen and they gave me {$800.00} that would be deposited into my account. They charged me a fee that I would pay back the amount of money I borrowed every two weeks, out of my check, I work for XXXX Florida, and that should be it. BUT, they have continuously been taking out money from my account after I have already paid back the amount of money used back in XXXX. They said they charge 700 % interest and I am stuck with it. That is NOT RIGHT, THAT IS CALLED PREDATORY LENDING AND IT NEEDS TO STOP. I was in a time of duress at the time I requested the money, to help pay my car note, auto insurance, and electric bill. I have already paid back the money, and I have notified them about disputing any further unauthorized charges, which is called FRAUD. This is unacceptable to XXXX people in their time of need, and extort money from my account. They need to be punished for what they have done to me, and others. 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 2016-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
My wife cashed her check & turned it into a cashiers check so we could deposit it into our account at USAA with little or no hold. However, since usaa has no branches & you can only use remote deposit, this deposit was not covered under reg c, so usaa placed a 5 day hold on the account. I have had an open checking & savings with usaa for over a year as well as my auto & renters insurance. I was simply told they could not do anything & the hold was go i ng to stay because remote deposit is not covered under reg c. If an institution does not provide you with the ability to deposit cash they should not be able to put indiscriminate holds on cashiers checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA did not follow procedures when they processed and disbursed convenience checks on a credit card individual account I had where my ex-wife forged my signature and took money from there causing a balance. For the past year I have been in contact with USAA calling and going to the branch.I started the process to buy a house with my now wife and realized they credit account still showed a balance. I went several times to USAA since.I requested the convenience checks that showed my ex-wife handwriting. She NEVER had a power of attorney or authorization to use that account. My ex-wife was hiding all this even from the court during the divorce and custody and diverted the correspondence so I did not find out about this. This person committed tax evasion as well and I have proof of that plus other things she did where she forged my signature and used my social security without authorization. I informed USAA of the issue and suddenly in XXXX I receive a cancelation of debt ( form XXXX ) from USAA stating that shows the balanced owed as canceled. They are still reporting to the credit bureaus a balance on the account.I went with my now wife to USAA and was connected with their call center to request a letter that states the balance is cero in the account due to the cancelation of debt. The representative stated that they indeed sent a cancelation of debt but technically I still owe the money. I told them there is no way I can still owe something they have written off for the fraud they allowed when my ex-wife forged my signature and in their notes is like that. They are trying to claim a lost and also keep me in their books like I still owe what they have canceled. I believe that is also fraud!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
I sent a friend {$100.00} via Western Union. On two occasions the recipient has attempted to pick up the money and on both occasions has been denied payment. I called Western Union customer service where I was told by the person I spoke to and then that person 's supervisor that Western Union has no control over it 's agents and whether or not they pay recipients. When I tried to cancel the transaction Western Union 's customer service refused without reason they simply said that they are not authorized to cancel a transaction which I do not believe. First their agents do n't have to pay funds contracted by Western Union to pay and then Western Union will do nothing to remedy the problem, and their agents rather than the intended recipient end up with the money? There has to be consumer fraud going on and being perpetrated by Western Union in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a debit card of Peoples Bank to use their ATM machine to obtain cash. 
My debit card expired and they sent me a new card which I used XXXX times. 
Then in the mail I got a bill for my XXXX transactions and a XXXX advance charge. 
I then found out at the local branch, Peoples had sent me a credit card instead of a debit card. 
I think I should not have to send Peoples {$20.00} because of their mistake. 
After a few hours on the phone a service person did refund the {$10.00} of the first transaction. 
Also I wonder how many other customer had to pay the same for the banks DUMB mistake?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
I am unable to pay mortgage because of hardship due to over extended expenses and medical problems. I therefore applied for home loan modification to XXXX. While the process was going on, they sold my loan to Bayview Loan Servicing. For two months I keep calling customer service and they report that they are unable to help because the loan has been sold. I recently receive a notice that the house is foreclosed and a sale date is XX/XX/2017. I receive no notice from Bayview of the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
my name is XXXX '' XXXX i am again complaing about bayview why have you not done your job i am asking that the company stop sending me info about the hamp waste of paper and not in military they sent me certified letter that i had to take to the post-office thought is was serious the letter contain only about the hamp i got a regular mail reL this and a certified letter in say day wasted by time and gas XXXX round trip to have the same letter sent t me if they want to spend money and waste it they can lower my payments i want the letters stoped you have not done your job i have ask you find out why if i send a money order to the company it takes days to get their i am never late, also if i pay on line it takes XXXX to get to thier bank then they say they then wait on a check sent to them XXXX they post my payment this makes no sence do not send me a statement what i have payed that is always what i get do your job and make them have payment sent to only XXXX place i am sure the way they have it set up so they can add late payment to bill i have proof the payment this month got their on the XXXX better not have a letter or call say they did not receive it. every time i complain you send me a letter saying working on it has been many months now if they want to waste money by sending out the hamp info they can lower my payment. do your job and investigate.loan # XXXX thank you.

Company response to consumer: Closed with explanation