vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-12 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: FL

Complaint narrative:
diversified consultants has a debt balance on my credit reporting showing i owe a balance of XXXX. I requested validation well over 60 days ago and never received validation of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
This has been going on far too long. XXXX XXXX has been harassing me and hiring different third parties to collect from me. A bill was deleted from my credit report of {$260.00} through a third party they hired XXXX due to it not being mine and i have spoken with over XXXX reps directly through XXXX XXXX and all sources of management. They will try to force an amount on you without hearing anything you have to say and make up illegal type threats and force this account on me. I have told them several times stop contacting me and they still find other parties to call me about this. It is frustrating i have to provide every single third party with the same exact information i gave to get this cleared up the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
I never received any notification regarding a cable bill that I do n't remember not paying. I would like to get a copy of this bill showing the company name and address of service. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Advance America, Cash Advance Centers, Inc.
State: RI

Complaint narrative:
Advance America charged my bank account that was already closed after the date the loan was due. 
I was expecting this check that I had written them to post the day the loan matured. I then received multiple fees and it caused another payment to return because of those fees ( {$35.00} each and they presented it twice plus the one that returned because of those fees ; resulting in XXXX in overdraft fees ) which ultimately led to my bank account being closed. 
Additionally, they have been advised via written notice to not contact my place of employment and they have called 4 times a day since the notification went out on XXXX XXXX, 2015. This company is putting me at risk of losing my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Advance America, Cash Advance Centers, Inc.
State: IN

Complaint narrative:
XX/XX/XXXX, I applied for and received a payday loan in the amount of {$400.00} from Advance America. The total amount owed was {$470.00} on XX/XX/XXXX. On Approximately XX/XX/2015, I went to Advance America and paid {$300.00} in cash, leaving a balance of {$170.00}. I was supposed to go back to Advance America on XX/XX/XXXX to make the final {$170.00} payment but did not because I was ill. 

I called them to apprise them of this and told them that I would be in to pay my balance once I felt better. On Wednesday, XX/XX/XXXX I spoke with Advance America again and told them I was still ill, in fact I had just left the doctor 's office and had missed school but assured her that I would be in to pay my balance soon. 

The customer service rep suggested that I make a payment by Saturday, XX/XX/XXXX, if I felt better. I did not! I missed their call on Monday. On Tuesday, they deposited the post dated check I left with my application for the full amount of {$470.00}. 

I called and asked them why they did this and Advance America stated that I missed their call and I did n't call back. I immediately told them that I did n't owe the full amount and she told me that they would refund the extra {$300.00} taken once my check clears. So now I 'm being deprived of money that is clearly mine for their benefit. My account was overdrawn as a result of this. I suffered XXXX and XXXX because of this. 

I am already ill but would like to know do I have standing to bring a suit against Advance America for Damages. 

They had no right depositing a check written for the full amount when they knew the full amount was no longer owed. To me, it amounts to theft or the fraudulent interference with a consumer deposit account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
We are repairing our Kitchen and flooring under an insurance claim to address water damage. USAA, our mortgage company, is unreasonably holding our claim money and preventing us from paying our contractor. It was very difficult to get OUR money from them to even begin the work, and will only give us add'l money once we are " 50 % '' complete ( as they define it ). We have signed affidavit from our contractor, stating we are more than 50 % complete. The repairs were fix plumbing, mold remediation, fix floor, rebuild kitchen. Plumbing is fixed, mold is gone, approx XXXX sq feet of XXXX sq feet have been tiled and grouted, permits for kitchen pulled, appliances, cabinets, and counter ordered. They wo n't return our calls to schedule and inspection to determine that more than 50 % has been completed. They have been rude and uncooperative. This is OUR money ... we 've done nothing wrong. We 're just trying to get our house fixed. Because of this, we 've had to put most of the work on credit cards, incurring debt and having to pay interest. This is ridiculous. USAA has been more frustrating to deal with than our insurance 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 2016-10-29 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: TN

Complaint narrative:
XXXX charged me XXXX for services I never received The collection was initiated by XXXX and was closed and then a year later was reinitiated by Diversified Consultants I have sent registered letters to Credit Bureau 's and have been removed Now its back again I really need help on this I have a great credit record and never owed anyone for a collection

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I applied for a loan with Loan Depot XXXX. The process was a nightmare but I have a specific complaint about the loan. Loan Depot sells the loan to a 3rd party. They approved and " funded '' the loan on XXXX XXXX. That is when I started paying interest on the new loan. However they did not pay of the old loans until XXXX XXXX. I was charged duplicate interest for the loans during that period of time. I should not have to pay interest on a new loan until they actually fund the loan and pay off the old loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: HI

Complaint narrative:
Loan Servicer has changed address to send payments to without informing me causing payment processing problems, for which servicer is attempting to blame me. 
Loan servicer has improperly reported me to credit bureaus as late or delinquent when this is not the case. 
I am presently current in my payments per loan agreement, but Servicer continues to harrass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
USAA Federal Savings Bank has tried to get in touch with me with this letter dated XXXX XXXX 2016. Then on XXXX XXXX 2016 I get a second letter about my checking account. I have not been able to get into my checking account for many months now. I have sent in money to cover the {$34.00} amount that was not paid. Seems USAA returned that payment I sent in on XXXX XXXX 2016. Why are they allowed to do this? 
I still feel that the have discriminated against me due to my age as I am XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 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: GA

Complaint narrative:
No written notice ever received from Diversified Consultants, only discovered this was placed on my credit report by credit monitoring agency. They never sent me any correspondence so that I could dispute this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2015 I applied for a mortgage with USAA. Due to my income to loan ratio, I was told that I would have to receive approval from their underwriting department, which could take up to 3 business days.  I asked if there was any way to expedite the process because the sellers would like a Good Faith Estimate (GFE) as a guarantee of creditworthiness, and the mortgage representative said there was no way to make the process go faster.

On XX/XX/2015 I was called by a USAA Mortgage Representative stating that their underwriting department was wondering if there were more assets that I have available, to which I gave them my XXXX information. I was then told it could be up to another 3 days for a decision.  Again I told the representative of my situation and that I had already waited 2 days, to which I didn't think I should have to restart a 3 day wait again.  He again reiterated there was no way to make the process go faster.

On XX/XX/2015 I was notified of my loan approval. I asked to lock in a 3.625% rate program on a 30-year conventional loan, which she said she did.  I was informed they would be sending out my loan paperwork and GFE via XXXX.  I asked the representative to make that GFE available electronically so that I could send it to the sellers of the house I was trying to purchase.  The representative told me she would make the information available via USAA's electronic documents system.

On XX/XX/2015, the documents were still unavailable on USAA's electronic document system, however they arrived via XXXX and incorrectly showed a 3.25% interest rate with over $13,000 in origination and discount fees that I had never asked for, nor agreed to.  At approximately XXXX Arizona time, I called USAA to ask what was going on.  A mortgage representative verified that I had locked in a 3.625% rate and that new documents would be sent to me by XX/XX/2015. I informed her that I needed a GFE to give to the sellers and this was already taking 4 days longer than it should have. I asked her to either send the documents electronically or via fax.  She state that contrary to what was told to me the previous day, mortgage documents cannot be sent electronically, and that the department that sends our faxes had already gone home so they could not accommodate my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
On Monday, XXXX XXXX 2015, I noticed unusual activity as to why my balance was at an extreme low. I currently bank with USAA Secure Checking. I notified them the day I noticed the suspicious activity and filed a claim. I followed up to get a status report on Thursday, XXXX XXXX 2015. I was then told the Fraud Agency with USAA declared this was not a case of fraud. There were a total of XXXX different transactions all in the same amount of {$990.00} bringing it to a total of {$6900.00} lost. I was basically told I lost that money and to contact XXXX. USAA did send me paperwork that shows when each transaction was made and for how much. I was able to see exactly who they went to and what account once I was able to log onto to usaa.com to check my account electronically. I have notified the local police department here in XXXX, MA to file a police report. USAA is not handling this situation as they should be. I am requesting full recoupment of all funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES
State: LA

Complaint narrative:
XX/XX/XXXX-Emailed origin bank the then current servicer of mortgage to request payoff statemnt for XX/XX/XXXX XX/XX/XXXX-Called origin bank to check up on issue-they said that it takes 48 hours XX/XX/XXXX-Called Providence financial the new servicer of mortgage to request payoff statement-said loan is not in computer now so they can not give me XXXX XXXX XXXX origin bank -- they said to call Providence financial and talk to supervisor since they do not service bank XX/XX/XXXX-Providence financial told my husband that it would be in the computer by end of day, they told me that it woudl be in there by noon on Tuesday XX/XX/XXXX XXXX-Closed on house, no longer the owner of home but still paying on house XX/XX/XXXX-XXXX Not in computer, called PRovidence financial again and they said that it may be in computer by friday. Asked to speak to supervisor who was rude and said it was my fault and there is nothing they can do. Continuing to lose money because pay off date is moving farther out and do not have funds to make other purchases.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 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: International Computer Systems, Inc.
State: OH

Complaint narrative:
I received a bill from XXXX for payment I called XXXX and made a payment plan with them. The collection people were also calling me about the payment. When I made a payment plan with XXXX there told me that the collection people will stop calling me. I paid the amount in full and now this month the collection ( First Collection Svcs ) put the collection on my credit report which has an negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 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: NJ

Complaint narrative:
I recently started getting repeated calls from a debt collector regarding an outstanding balance of {$100.00} with XXXX. I have n't used XXXX in years and when I did, I paid my bill automatically. When I called XXXX, they could not tell me when I last had XXXX as my service provider. They said that the oldest records they have are from XX/XX/2013 and that the bill was from an earlier date. So they were unable to show me the bill. Also, is n't there a statute of limitations?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Two things - XXXX failed to honor a travel voucher due to me for a cancelled flight ( then rescheduled flight ) that carried travel insurance. In the meantime, my credit card company failed to cancel my credit card account after I found fraudulent charges on it. XXXX essentially charge my credit card twice for a flight and failed to honor my travel insurance or travel voucher for the rescheduled flight. In total, I was actually due a refund from XXXX. Now there are charges on a credit card that I thought I had cancelled and the credit card company, after receiving all pertinent documentation to this fact, notified the credit bureaus that I am overdue on my credit card payment - on a card that I do n't have and that I had believed in good faith was closed permanently.

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 2016-08-31 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: OH

Complaint narrative:
I ordered specific services from XXXX they swore I had them and for the next 5 weeks ( approx XXXX. All the back and forth was by phone or net chats. They say they record these calls but I doubt it. The most specific was XXXX XXXX Ohio ( XXXX XXXX games. They said I 'd have it on XXXX. My converter was not capable of receiving XXXX digit channels. I paid that bill and other overcharges. Then I fired them. They never provided the services ( XXXX other ) channels. They commited fraud and misrepresentation. I 'm not paying for something I will never receive. They turn it over to some collection co. names DCI. I sent them XXXX pages of proof on my part but they turned it into the Credit Bureau anyway. I 'm on Social Security and VA XXXX and just turned XXXX and I ca n't be wasting the last years of my life fighting these lying theives. XXXX XXXX is what I call them. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: OR

Complaint narrative:
We refinanced our home with LoanDepot to make home improvements. After we signed closing documents and the 3 day rescission period expired, they claimed that the boilerplate Compliance Agreement we signed required us to make repairs to the lower deck on our home as a condition for obtaining the funds. We requested that they provide the closing document that imposed the condition and they have failed to do so because we are quite certain that no such document exists. However, LoanDepot is steadfastly refusing to dispense funds claiming that we agreed to conduct the deck repairs as a condition to receiving the loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 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: Stillman, P.C. d.b.a. Stillman Law Office
State: CT

Complaint narrative:
Schlee & Stillman , LLC claim I owe XXXX to XXXX, a XXXX account. This amount is from two fraudulent orders for Apple products which I have no use or need for. Prior to these orders, a request to close XXXX account was made but ignored. XXXX conveniently has no record of my request and has requested numerous affidavits which I will not send in, previous ones were mailed in with nothing done. Please note, there is no proof of delivery for either order, only a signature signed as XXXX, which I never and have never signed my name like this, this is fraud. Also, I have not ordered anything from this company since on or around XX/XX/XXXX, these orders were placed in XX/XX/XXXX, over a year since last order. They claim to have " thoroughly investigated '' the orders which merely consists of verifying billing and shipping address, which obviously match. If they did not match then orders would not be processed and shipped out, which is obvious. In closing, please advise Schlee and Stillman to remove account from collection and credit bureaus, if reported. They have not provided any proof I received these orders or even placed them. I also wish to reiterate I requested account be closed prior and failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 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: FL

Complaint narrative:
I had a billing dispute with XXXX that they refused to correct so out of frustration I paid the bill of {$1500.00}. XXXX subsequently turned this item to a collection agency despite it being paid. I have called XXXX repeatedly and Diversified Consultants, a collection Agency. I even supplied proof of payment i.e. cancelled check and they still reported this item as past due to XXXX. Subsequently I contacted XXXX and they continue to be unresponsive yet my credit rating has been seriously impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
I was just discharged from Bankruptcy CHapter XXXX. I called numerous student loans I have to start a payment plan with them. I was told by XXXX that they outsourced my loans to Transworld Systems Inc . I contact them to start a payment process on XX/XX/2017. I set up 2 automatic withdrawals for {$100.00} ( for XX/XX/XXXX and XX/XX/XXXX ) so my account would not go to collections. One {$100.00} payment was ACH'ed on XX/XX/2017. I was told by XXXX of TSI that XXXX would settle for {$12000.00}. I paid {$12000.00} on XX/XX/2017 ( and have documentation from my bank and numerous phone conversations with TSI ). Now, TSI is posting on my credit that I am in collections and balance is UNPAID. I have called them twice to be told that the account is " settled and paid in full '' although they keep hitting my credit with derogatory marks.

Company response to consumer: Closed with explanation