vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I ca n't believe the horrible service I am receiving with USAA. I got an auto loan XX/XX/XXXX and it was paid off XX/XX/XXXX ( to make room on our debt ratio for a new home ). Up until that point, the loan was reported as paid as agreed with no lates. 

Suddenly when I paid off the loan, the loan was reported as having a 30 day late payment. To me, it is suspicious as to why that payment was never reported late before, but when I decide to pay off the loan, now it 's late? So I investigate further. After investigation, there was a payment in XXXX that was made to them, but never applied to the loan. The bank says they never received the payment. So, I find out that XXXX XXXX issued a cashier 's check to them on XX/XX/XXXX, but the check was never cashed. After further investigation, I find out that the check was delivered to them on XX/XX/XXXX via XXXX and delivered to the front desk. Their response, they never recieved the payment, so it is not a bank error - and they left the 30 day late payment on my credit report. This XXXX late payment caused my credit scores to drop XXXX points on XXXX bureau - XXXX points on another and I 'm still waiting on the last bureau to get this negative information. 

On my credit report, I have no late payments and my other loans with USAA are always made on time. This XXXX missing payment is truly an anomoly. Instead of fixing their mistake, they continue to give me the run around. They tell me that they are researching it, but most likely it is n't a banking error. They tell me that even though they signed for it, it still is not their mistake. When I asked why, when I called to inquire about the late notices I was getting, they kept telling me that there was a small balance left over from the previous month, even though payment was made for more than the payment due amount. I was told to disregard the notices. 

My question is if I have proof a payment was mailed to them, and signed/delivered to them by XXXX, how is this anything but a banking error?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I transferred {$200.00} from a USAA account to a XXXX XXXX XXXX account on XX/XX/XXXX. XXXX XXXX XXXX did not receive it until XXXX XXXX. USAA said there processing took 2 to 3 days even though it asked for a transfer date and I requested XXXX XXXX, 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
I tried to dispute it with DIVERSIFIED CONSULTNTS they said I need account number from XXXX. I called XXXX to get account number. They do not have XXXX because I have never been a XXXX XXXX customer. Called back Diversified told them no account number was available they said they could not help me and hung up. I have never been XXXX customer and I do not owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MB FINANCIAL, INC.
State: NY

Complaint narrative:
I applied for and was approved for a mortgage loan with a rate lock with no points good to XX/XX/XXXX. I have been waiting for my closing which was scheduled for XX/XX/XXXX, changed to XX/XX/XXXX and now XX/XX/XXXX. I received an updated loan disclosure stating that the rate has gone from 3.75 to 4.25 and I will be charged points. Even though the rate lock has not yet expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Starting in XXXX XXXX, I noticed my USAA checking account ending in XXXX was suddenly in the negative ( over {$1500.00} ). I had not made any large purchases to create this negative balance. I spoke with USAA who informed me that my account was negative due to multiple {$800.00} transfers ( deposits ) coming from an external account I did not authorize -- an external account which had been closed with no activity for over 2 years. USAA claimed that the external account was nicknamed " XXXX, '' however, this name is unfamiliar to me and I have never nicknamed any account " XXXX. '' These {$800.00} deposits all bounced in my USAA account due to NSF ( non-sufficient funds ), but strangely, these bounced deposits resulted in an {$800.00} debit to my account every single time without any obvious transactions showing withdrawals of these NSF deposits. USAA was confused and could not provide evidence of where the money went FROM my account, despite my repeated requests. The bank also refused to close my account during the fraud investigation, resulting in a final negative balance of {$5500.00} ( {$790.00} and {$4700.00} ) when the account was closed on XXXX XXXX XXXX. 

I am not trying to gain any money out of the situation. I have stayed in constant contact with USAA since the first moment I noticed the fraudulent activity on my account, however, as shown from the attached timeline, USAA has repeatedly refused to give me the account statements and other documentation, denied me access to USAA online to reconcile my account, discontinued business with me, and otherwise acted unprofessional and unwilling to help me rectify the situation. After speaking with a XXXX XXXX Legal Assistance attorney, and with USAA refusing to work with me, I am left with no choice but to file a CFPB claim for assistance. The NSF money that was transferred from the closed account to my USAA account, thus bouncing, was not my money and I did not authorize the withdrawal transactions. I would like for my account to return to normal status and the situation to be over. I greatly appreciate any help that you can give!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: We Collect Inc
State: OR

Complaint narrative:
they are overly charging me for for cleaning. they are charging me a XXXX dollars on top of the XXXX $ paid to them. I do n't think that injust because they say that they want this money that they should be able to put this on my credit report I lived in a XXXX sq ft duplex that I defiantly can replace everything in the house for XXXX $ the deposit that was they with held. They are overly charging me. and this big amount is keeping me homeless. because no one will rent tome because I owe XXXX XXXX an in proper amount that they are being no help to. first off all this duplex is a box they only thing came with the duplex was a refrigerator and blinds and walls. I left the kitchen exactly how I got it and they bathroom to no damage to anything so I do n't see how replacing a few blinds for they window and maybe painting the walls again can cost XXXX dollars I lived there more then a year in a half so of course the walls would need to be painted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 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: MI

Complaint narrative:
In the attempt to collect a debt I was told by XXXX that I a totally different amount than what is reported to the credit bureau in the amount of {$980.00} when the total amount reported is {$830.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I had set up automatic payments with USAA to get my account caught up. After payment arrangements had been made I had the ability to pay off my credit card account, of which I did. I had called to stop the automatic payments ; however, they did n't stop. USAA is claiming I owe them for the NSF fees and automatic payments that did n't go through, even though the credit card had been paid off and had a balance of {$0.00}. After speaking with the dispute resolution team and providing the documentation of payoff, the representative I spoke with still insisted to not listen to what I was trying to say. To say that I had tried to stop automatic payments and tell me that the account rightfully had a balance, even if the card had been paid off and payments on an account that had a {$0.00} balance had been made.

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 2016-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
Company called saying that I owe them for an alleged XXXX bill. The woman on the phone threatened that this would go into collections and that they 'd garnish my checks. 

I do not know Diversified Consultants, I have never agreed to do business with them, and they are not mentioned on any contract I have signed with anyone. 

I demand that they cease communication and threats with me, and that they remove any traces of their company that are on any of my credit reports. I demand FULL VALIDATION of this alleged debt, including the original contract for the alleged debt signed by me with their company mentioned on contract showing that they have some interest to protect, proof of assignment or ownership and a full chain of assignment, full accounting of the alleged debt, and proof that it is inside the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I had a loan from Wheels Financial Group , LLC aka LoanMart for a vehicle while I was in the XXXX. I notified them that I was being called to XXXX XXXX and then repossessed my vehicle. No notice of repossession or notice of sale was served prior to them choosing to auction off my vehicle. They recouped all of the balance owed on the vehicle with the exception of {$890.00}. The vehicle was sold on XXXX XXXX, XXXX and after 5 years I am receiving collection attempts in the amount of {$6500.00}. It is past the statue of limitation to collect and to report a debt under California Code of Civil Preceding subsection 337. On XXXX XXXX, XXXX I received an email regarding the payoff amount being {$890.00} and the amount would satisfy all collection acts and remove the debt. I contacted the company in an attempt to satisfy the debt and instead was told they would not settle the debt for that amount and I had owed the {$6500.00}. I began to question the email I had received and I was informed that if I did not choose to pay the full amount legal action would be taken against me. I was threaten with police action and also threatened with my current assets being ceased and wages being garnished. Since communication on XXXX XXXX, XXXX I have received harassing calls and emails attempting to collect the debt in the amount of {$6500.00}. They have violated the Fair Credit Reporting Act and also, the Soldiers and Sailors Act. Also, in none of the correspondence sent by LoanMart did it state as a disclosure that the company could n't sue me. I was ready to pay them until a friend had informed me that their actions were illegal and I needed to pursue them legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 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: CA

Complaint narrative:
I emailed you saturday, It was cryptic which decrepit DIVERSIFIED CONSULTANTS HEADQUARTERS IN XXXX AND OFFICES IN XXXX. I TOLD THESE XXXX, FROM ( XXXX ) 4 TIMES TO STOP CALLING ME, HARASSING ME WITH THEIR STUCK ON XXXX ( HANG-UP ) AFTER 1 RING. SPOOFING THEIR XXXX NUMBER FOR A PHONY XXXX XXXX COUNTY NUMBER. DO COMPETENT PROFESSIONALS ACT THIS CHILDISH AND XXXX?! # This fraud deceit malice XXXX is paid for by XXXX. I do n't owe XXXX anything. I will never pay these XXXX thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 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: CA

Complaint narrative:
I cancelled my XXXX ( mifi ) service in XX/XX/XXXX. XXXX continued the service and continued billing me for three months after contacting them XXXX times. They show that I owe {$110.00}. I have sent letters, community care posts, made phone calls, sent proof that I did not use the service, and told same to collection agency. They stopped calling and sending collection notices for a while, but started again ( XX/XX/XXXX ). XXXX is still showing money owed and the debt / collection is now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I opened my capital one credit card about 2 years ago in XX/XX/XXXX. When opening the card I reviewed the options and went with their Platinum MasterCard which explicitly states there is no annual fee. I have been charged a {$19.00} annual fee for the past two years. Each time they have offered to waive it on a one time basis. I was told on XXXX/XXXX/XXXX at XXXX EST that it is part of my terms and unless I have the paperwork from over two years ago they will not change it. I was also informed by a supervisor that it was possible that I applied for a card with no annual fee, but they while processing the application added on an annual fee. For me to submit an appliaction for a card which has one benefit being no annual fee, and for that application to be " approved '', yet it is not approved since they changed the terms is extremly misleading and deceptive. The link below clearly states in the disclosure for this card " Annual Fee : None. '' even further down in the disclosures there is no mention of annual fee subject to change based on application. 
This is the information they are required to provide for me to make an informed decision and it is the information I used when I decided to apply for this card. I entered the agreement using their information, on their website, which clearly states in no uncertain terms there is no annual fee. 
I have tried to work with their customer service to have this remedied to no avail. I am not asking for any refund as they have waived the fee each year, simply that the fee no longer be assessed in the future. 

https : //www.capitalone.com/credit-cards/platinumXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bepensa Capital, Inc.
State: VA

Complaint narrative:
I purchased a vehicle 1 year ago the vehicle in the past 4 months now has been having start issues thinking it was something wrong with the car I spent money trying to fix it i then took the car to a mechanic shop who determined it was the past time sensor. I took the car to get a second opinion who also determined this. I contacted the company about 1.5 months ago to get this fixes the Company since then has been giving me the run around saying the company they use is based in Florida and have to call around to get an installer in my area. I asked the manager who I have been dealing with XXXX what would happen to the repair bills, tow bills, and lost of work they stated that they could not give me an answer from there it has been call after call with noone to help and everyone XXXX me around with no answer i finally took it to the place the recommended and the gentleman said he could not recreate the problem because the module had been disconnected for so long. I explained this to the bank so because of all the trouble said they would defer 1 payment for me i did n't realize what she meant because she was making it seem that they would cover the payment vs reimbursing me. I have every conversation with this Company and they are very unresponsive, rude and do not want to reimburse me OR help me with the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One was repeatedly sending me credit card applications by mail. I finally called them about what they had to offer. After calling for information, I notice that they have hit my credit report with a hard inquiry!! I NEVER AUTHORIZED THEM TO RUN A HARD INQUIRY ON MY CREDIT REPORT. I have called them several times to no avail. They just keep stonewalling me with the " too bad, so sad '' routine. 
I have read reports online of them doing that to many, many other people. Why does n't some government agency put them on the red carpet and make them stop? 

Thanks so much for your help in getting this hard inquiry removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Clear Debt Solutions, LLC
State: SD

Complaint narrative:
They continue to call my work and I have asked 6 times to stop calling me at work. They have failed to listen. They stated that they have left me messages on my cell phone, but they never have. As soon as I spoke with them at my work number and asked them again to, stop calling here, I also told them I would try to call them this afternoon, they called right back on my cell phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 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: TX

Complaint narrative:
XX/XX/2016, I Unsubscribed from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Since then, Diversified Consultants has contacted me several times during which I explained that I had already unsubscribed prior to the last billing statement ; and the XXXX XXXX Representative told me I DID NOT OWE anything further when I returned their modem in XXXX XXXX, Texas. Since then, Diversified has attempted to call me many other times while USING XXXX XXXX as their phone ID. I 've spoken to at least 4 of their calls ; and have since blocked their calls ; but they continue to harass me. The number last used is ... XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
While I am a unhappy USAA member for other reasons, I decided to post mygrievances within the public USAA Member Community forums. These were about excessively long funds holding times and NSF charges due to regularly scheduled bill payments and these fund being on hold ( although they were from a Cashiers Check ). 

After a few comments and conversation with other members, XXXX in particular " XXXX '' and " XXXX XXXX '' were posting information that only an internal USAA employee wouldhave access too. Specifically the user " XXXX '' knowing that I had filed complaints over the past three years. ( Forum conversation in PDF format is attached ) I would like to know what will be done with this as it is very retaliatory in nature and crossed the line with CyberHarrassment laws ( TX XXXX ). 

I have copies of all correspondence and of the forum posts showing confidential information being posted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I made payments as needed for all months in XXXX. The credit card company said they did not receive XXXX or XXXX. I provided proof from my bank they were paid and even went as far as to set up a conference call between the credit card company, myself and my bank. After the credit card company refused to apply the amount to my credit card account balance and remove the late fees, I went ahead and placed a stop pay on the 2 months of payments and paid the credit card company {$400.00}. I was told that my next payment would be due XXXX. Since that time I have been receiving XXXXXXXX phone calls per day saying that because my credit card balance is over the limit by {$500.00} that I need to pay them now regardless of what was said/done when I paid the {$400.00}. I have referred the callers back to XXXX at the credit card company to go over the particulars yet the calls do not stop. To make matters worse, they have now reported me to the credit bureau and said I 'll need to dispute it with them. 

Please help!!! I made my payments as I was supposed to however, they did not process them ( Proof provided from my bank. ). I paid them an agreed upon amount in XXXX XXXX with the understanding from XXXX on their Executive Communications Department that my next payment was not due until XXXX. Despite all of this, I 've now been reported to the credit bureau and receive multiple phone calls per day, even while at work, harassing me to pay my over limit balance immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 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: Collection Bureau Services, Inc.
State: MT

Complaint narrative:
Contacted legal aid and took steps advised for a debt that is not valid and in violation of fair credit act. Sent certified letter asking to please remove the debt as was not valid and requested 30 days to do so. Contacted CBC, Inc.in XXXX, montana and was told that I was refusing to pay the debt so they would mark it as so and hung up on me. 
Contacted legal aid afterwards and was directed to file complaint with your agency as well.

Company response to consumer: Closed with explanation