vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
I filled a fraud with the FTC a few months back about I fraud account opened in my name with USAA. I sent out letters to them but have not received anything back from them. I called them and all they did was update my personal info so whoever could n't use the account which has a negative balance. They said I 'm responsible but I do n't see how.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Genpact Limited
State: MI

Complaint narrative:
This collection company for XXXX XXXX card that I 'm behind on my payments I believe it 's called genpact calls at least 10 times a day but where they made their violation is sometimes they call over and over seconds apart and just hang up to harass me and I believe this is after I let XXXX know that I 'm XXXX and that 's why I ca n't talk on the phone and I have no way of reaching them by email. I just do n't think it is funny at all when they keep calling and hanging up repeatedly XXXX at XXXX for example they let it ring once or twice and then hang up, two seconds later they do the same thing and so on and so on. Abusive harassing Behavior that I 'm thinking about suing. I 'm just XXXX and being abused and I would like to put a stop to it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My husband and I contacted USAA on XXXX/XXXX/XX/XX/2015 to apply for a VA Mortgage Loan. After a series of long hold and providing information to the representative. We were advised that we were not approved at this time for a mortgage loan and that we would receive a letter in the mail to explain, in detail, why we were not approved. After a week had gone by, I contacted the company to find out if the letter had been sent, they advised " system had not generated the letter yet ''. Again after 3 weeks, I still had not received a letter and I contacted the company to find out why. I asked to speak to a manager and the representative proceeded to advised me that she could help and that we were not approved because my husband 's credit score was below XXXX. I do believe discussing credit scores and denial reasons over the phone is a violation. I still have yet to receive a letter of explanation even though it has been well over a month since applying for the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I made XXXX wire transfer requests via USAA online banking, but the requests were rejected because I put in wrong account number. Nonetheless, USAA charged me {$40.00} for the failed wire transfer requests. USAA customer service said because I put the wrong account number, so it would not refund the money. But there was no such warning before I submit the wire transfer requests, and I reasonably believed that I would only be charged only if the wire transfers were successful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 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: OH

Complaint narrative:
I settled a collection with DIVERSIFIED CONSULTANTS INC. At the time of payment, the representative agreed to " Pay to remove from credit ''. I have disputed this with the credit bureaus, but DIVERSIFIED CONSULTANTS INC continues to report it. I believe this is unfair since I agreed to pay for them to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I used a 3rd party vendor to purchase an airline ticket XXXX XXXX XXXX XXXX on XXXX XXXX. As soon as the confirmation came back I noticed they changed the travel date. They said the search criteria automatically switches to booking to get the cheaper price. This is certainly a bait and switch. I immediately called back and explained what happened They processed my refund. The email confirming listed {$120.00}, the credit card charge was {$94.00} and the refund confirmation was {$120.00} and I have confirmation of the refund via email but it never hit my card. They even agreed to credit me more than what I paid. I was required to stay on the phone with the representative until I received the email. I received the email and had to give the sales person the code in order to cancel the reservation. Which I did. I had verbal confirmation that it was canceled and an email. Next, I decided to call XXXX XXXX to re-book instead of using the third party. When I re-booked the flight directly with the airline ( 5 minutes later ), they confirmed that no reservation was in their system and that they had not received payment from the third party so I went ahead and booked the ticket. I received my credit card statement with both charges. I disputed the charge with my credit card company. i have called 13 times and sent in emails with my documentation. As of this date I have only received a letter saying the card was used " in person '' which is impossible. They implied that it was a swipe and it was not. The last representative told me the letter was automatically generated and was a mistake. I have called so many times and I just want my lousy credit. They are terrible and I have been a member for 30 years. They need to be reprimanded for not following their contract.

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 2016-12-02 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I RECEIVED A CALL FROM A COLLECTION COMPANY NO NAME OF THE COLLECTION COMPANY WAS GIVEN THEY STATED I OWED XXXX ASKED HAD I BEEN SERVED I ASKED FOR THE DOCUMENTATION THEY SAID DO YOU WANT TO PAY THE XXXX I STATED I DONT KNOW WHAT THE CHARGES ARE FOR I AGAIN ASKED FOR THE DOCUMENTATION AND THE COMPANY NAME TO CONTACT LEGAL COUNSEL THEY STATED THEY WILL BRING DOCUMENTATION TO COURT AND HUNG UP

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 with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Dear CFPB, Once again USAA/MasterCard has brought unwanted problems into my life by providing, without my permission or authorization, updated credit card information to vendors for credit/debit cards which I and/or USAA have CANCELLED. 
The latest debacle is playing out now. I 'm on a XXXX to XXXX, Texas. I arrived yesterday and rented a car from XXXX at the airport in XXXX, TX. Today, I checked my USAA checking account and discovered XXXX ( XXXX ) unauthorized charges from XXXX for {$310.00}, a total of {$630.00} drained from my checking account. " How could this be? '' I 'm on official travel and made the reservation through XXXX who should have charged my government VISA card for the car rental. What happened? Well what happened is this. I 'm a XXXX and XXXX ( XXXX ), yes XXXX debit cards ago, I entered my personal USAA debit card into my XXXX profile. I never, ever provided my personal debit card to XXXX for this transaction because it was a business trip. However XXXX " pulled '' my new credit card information and charged my debit card, not once, but mistakenly XXXX ( You can get the details from XXXX XXXX ( XXXX ) XXXX, billing supervisor, XXXX XXXX XXXX, XXXX, OK ). Bad on XXXX XXXX for charging the wrong card and charging it XXXX and they are correcting the problem. 
But the bottom line is this ; none of these problems would occur if USAA would stop providing canceled credit/debit card information to vendors without my permission. 
Regards, XXXX 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 2017-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
In XXXX XX/XX/XXXX I received a phone call from XXXX XXXX, Mortgage Loan Originator for the Money Source, who currently hold my mortgage. The call was to advise me that I qualified for a reduced rate on my mortgage and that I could refinance. The rate offered was XXXX. I currently have a rate of XXXX and that the closing would take place before XXXX. I followed all the necessary steps that was required. No closing date set. This went on for almost two months. I received an email from XXXX XXXX was to advise me that I would refinance for a 26 year mortgage instead of a 27 year mortgage, which I had no problems doing. The last notification from XXXX was on XXXX XXXX, advising that the loan would be done in XXXX as they could not close before XXXX which was the planned date. I was NEVER told that the rate would expire. He advise that right after the holiday we would be able to close. As of today, XXXX XXXX, I had not heard back from XXXX I sent an email to his account. I received a phone call from a XXXX XXXX of the Money source who advise me that XXXX was now in a leave of absence and that the rate lock had expired on XXXX/XXXXXXXX That a rate extension had been submitted but it had been DENIED. 
Please note the following : I was never notified that the rate had not been extended as XXXX XXXX did not advise me of that face. Secondly, No one at the Money Source had the professional courtesy of calling, writing, emailing or even texting me of the above set forth. 
I am of the opinion that the money source has acted in bad faith. They have taken advantage of the fact that the interest rates were going to go up and dragged this refinance account through the beginning of XXXX to then advise that it was denied, when through the months of XXXX until XXXX it was available. 
XXXX XXXX also felt the need to advise me that if I were his client, he would have made sure that I knew in advance of what was happening. Furthermore, that I was not the only XXXX left in this predicament. 
I continue to have my mortgage with them and am in good standing with them but they have certainly left a very bad taste.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
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 is not mine
Company: Diversified Consultants, Inc.
State: VT

Complaint narrative:
This bill was my mothers not mine and I paid it for her directly to XXXX back in XXXX XXXX 2016, I have talked directly the company and the issue has been resolved so I done even understand why this is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES
State: PA

Complaint narrative:
Our PMI dropped off of our mortgage payment changing the amount owed for XXXX 2015. I was waiting for our payment coupon book to be sent to make the payment. This is how I have always paid our mortgage for the two plus years we have been with Provident Funding. When I did n't receive the coupon book I call Provident Funding on XX/XX/XXXX, to ask what was happening. The customer service rep. informed me that the new book was ordered XXXX XXXX and I should receive it in the mail by the end of the week. That was all he told me. I finally received the coupon book XX/XX/XXXX ( Sat. ). I mailed the payment in on XX/XX/XXXX ( Tues ), due to the XXXX XXXX on Monday. I knew the grace period was up on Friday XX/XX/XXXX, but I hoped the check would make it in time and since they had sent the coupon book late I felt reassured that they would n't charge me a late fee, since the delay was caused by Provident Funding not issuing my new payment book in time. Provident Funding did not receive the check by XX/XX/XXXX ( they cashed it on XX/XX/XXXX ) and have since charged me a late fee. I called several times to explain that it was n't my fault it was late, but they refuse to wave the late fee and say I should have paid online. I explained that I was never advised to do that. I always pay with the monthly coupon book. I was treated poorly by all the costumer service reps. One supervisor even suggested I was lying about calling on XXXX, even though I called from my cell phone at XXXX XXXX ( EST ) and have a record of that and provided them with that information. They say they ca n't locate that call. They told me they could n't wave the fee, then admitted they could. When I asked under what circumstances would they wave the fee, they replied " When Provident Funding is found to be at fault. '' I pointed out that they were at fault when they ordered me my payment book the day after my payment was due. They were forcing me to pay late. I got no where with them and am complaining because of the terrible way I was treated.

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 2017-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Diversified Consultants, Inc.
State: CO

Complaint narrative:
Daily calling of my cell phone using multiple phone numbers at XXXX.. My cell number is new, they apparently are looking for the previous cell number owner about some debt and despite numerous requests they have not removed my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
Diversified Consultants Inc has reported a collection account to my credit report. I have disputed it and they have verifed the debt to the credit bureau. They have failed to provide any physical documentation to prove this debt or that they even have the right to collect for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Collection Bureau Services, Inc.
State: MT

Complaint narrative:
I got sued for a medical bill for my XXXX husband. The collection agency won a judgment against me. The original bill was {$150.00} and now with court costs, atty fees, and other charges it is now close to {$700.00}. I did n't have the {$150.00} to begin with and sure do n't have the {$700.00} now. The collection agency has now violated the fair debt collection practices act by knowingly seizing my social security funds out of my bank account, which I know that these social security funds are exempt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Recoveries, Inc.
State: CA

Complaint narrative:
National recoveries XXXX started having my wages garnished without ever contacting me first. They had an old address that they were sending my mail to and I never seen it coming. It put me in an extreme hardship. So my ex girlfriend who happened to work for a collection agency called them without my consent, stated we were married when asked, which is not true, and got all the details about my debt. They even allowed her to stop automatic payments I had set up on a credit card of mine and allowed her to use a different credit card, which I am not associated with. This caused a lot of problems between us and is why we are no longer together. I do n't see how they can just give my info out to a person without any verification and Stop an automatic payment on a credit card which I gave them. I feel unsafe with the way they handled this situation. I do n't know how they can make this right because now I am no longer with my girlfriend who is also the mother of our XXXX year old daughter, who is also the woman I am purchasing a house and a car with. They ca n't fix their mistake of violating my rights and all the turmoil that I have endured because of their carelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: ASPIRE FINANCIAL INC.
State: TX

Complaint narrative:
Around the first of XXXX, I contacted XXXX to apply for a cash-out refinance. I explained that I had medical bills from a XXXX XXXX earlier in the year, and I was approaching a critical point with my bills and I needed the cash-out refi to hopefully lower my interest rate, but most importantly to pay off some outstanding debt. The refi process went along relatively smoothly, albeit very slow. Every communication with XXXX XXXX XXXX, XXXX XXXX XXXX was via email, so anytime they needed something, I found out about it after I got home from work, too late for " same day response '' - if they had called, it would likely have cut the process time by a third. At any rate, they process completed and I closed on the loan Friday, XXXX XXXX, 2016. At the closing they stated that the loan would fund on XXXX XXXX. On the afternoon of the XXXX of XXXX ( XXXX ), I received a phone call from Texas Lending stating that we had a problem - XXXX business days after this process started. XXXX XXXX XXXX with Texas Lending stated that they had run another credit check on me, and my rating had dropped below their allowable limit and they would not be funding the loan - this was on the day it was supposed to fund. 

In the beginning I explained that I was approaching dire straits and they were aware that this is what I was getting the loan for. Their slogan, or motto, or misleading tag line - is that they target closing the loan in 21 days. Due to their operational method, they took double that time to close my refi. 

Even after all papers were signed and the loan was closed - signed and sealed, on Friday XXXX/XXXX/16 - they waited till the following Wednesday ( XXXX/XXXX/16 ), on the loan funding date, to check credit and decide not to fund the loan, because I had gotten a little behind on the very credit cards they were paying off with this refi. 

There has to be something illegal about the way XXXX\Aspire Financial conducts business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Clear Debt Solutions, LLC
State: TX

Complaint narrative:
I have a delinquent loan with XXXX XXXX XXXX. A company called CDR has been trying to collect on that loan. I contacted my Bankruptcy attorney who told me they are a SCAM company and the only thing to do is contact the FTC and file a complaint. their phone number is XXXX and his extension is XXXX and goes by the name of XXXX. Also contacted my brother and has all my personal information. Please stop this person, he tries to bully to get me to pay, even after I gave my attorneys contact info, he wad irate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES
State: FL

Complaint narrative:
Have continued to have full coverage of insurance on our house, we are waterfront and carry, hazard, flood, and wind insurance. Received letter from Provident Funding about 4 weeks ago saying our wind insurance had expired. That was untrue and had our statefarm agent call them and then fax a copy of deck sheet showing them as mortgagee. 
We received another letter today claiming wind coverage had expired and with the letter they had FORSE PLACED COVERAGE. 
I called my agent and she has documentation saying they were given the information requested, She again called them and they finally found the documentation sent several weeks ago. They told the agent they would resend the new policy they had written.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 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: CA

Complaint narrative:
There was a collection placed on my credit report by a company called Diversified collections without notifying me of a potential debt. I did n't even get any letter in the mail and they admit it they do n't have any of my correct contact information. Also the orignal debt was for a XXXX service that was suppose to be canceled back in XXXX XXXX and XXXX kept billing me until XXXX XXXX after we had canceled the XXXX service due to our office building be closed down and being converted over to condos. All the tenants in the building were forced to move out XX/XX/XXXX and att tried to say we had service until XXXX XXXX and yet they have notes of us calling in to cancel the service and transfer it over to our new address. Diversified consultants broke the law by not notifying me of this debt or validating it at all. Please have them remove it. The XXXX dispute tracking number is XXXX

Company response to consumer: Closed with explanation