vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
Attached is one of many, many letters I 've received encouraging me to refinancing my existing mortgage loan. I feel the letter is extremely misleading and basically nullifies all the effort the CFPB has put into ensuring mortgage customers are adequately informed of the conditions of their mortgage. I 'm sure the lender 's legal team has reviewed it for compliance but I believe it violates the intent of the disclosure laws. For example, the letter states : - You may be able to save an estimated {$110.00} per month by refinancing. It 's not until you read the fine print that you find out that : o The offer is a XXXX adjustable rate with caps of XXXX. How many people understand what this means? 
o It assumes a credit score of at least XXXX, a loan to value ratio of 60 % and debt to income ratio of no more than 43 %. 
o It assumes an existing mortgage rate of 3.950 % ( my existing mortgage has a lower rate than that ). 

- You may be able to defer your first mortgage payment saving you {$1000.00} right now. The footnote goes on to say " If your closing is timed correctly and you do n't make the payment the month you are closing, it is possible to add that interest into the new loan. '' It fails to mention that your payment on your existing loan may be delinquent and reported to a credit bureau as such. 

- We 'll waive all lender fees and provide a free appraisal for future refinances. How is a borrower to know what is a lender fee and what is n't? Furthermore, the footnote for the free appraisal says if you ever decide to refinance for any reason.. .loanDepot will waive all lender fees and reimburse appraisal fees on you refinance. '' Are they talking about this refinance or a future refinance? 
I could go on and on about the misleading letter and deceptive footnotes. Suffice it say that I 'm sick of these nationwide lenders clogging the market with this kind of XXXX. It confuses the public and, in my opinion, discourages all lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
Diversified Consultants is attempting to collect a what looks like duplicate debt I do not owe similar to the XXXX complaint I filed.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I received a teller check from a credit union and deposited into my checking account inside the main branch of USAA in XXXX XXXX, Texas. The teller took the check and completed the deposit and said nothing about a hold on the deposit. On the deposit slip it shows my account balance and the amount of the deposit. It does not mention a hold on the funds. I then left the bank and checked my funds on USAA app and it showed the amount deposited was available. The amount was XXXX and my balance on the app reflected that amount. Two business days later I went back to the main branch of USAA and just before entering the bank I double checked my balance on the app and noticed that there was now a XXXX hold on my account. I went inside and went straight to the teller hoping there was a mistake on my account but when I tried to purchase a cashier 's check the teller confirmed that my checking account indeed was on hold for XXXX. I asked if I can discuss this matter with management and she directed me to an enclosed booth where there was a computer and a telephone and was told to dial zero and ask for a manager in the deposit department. I did so and held for about 2 minutes and a representative answer the phone and asked what he could help me with. I explained the situation and asked if there was anything that could be done to release my funds. The answer was no and that it was unclear on when the funds would be made available. I asked to speak with a manager so he transferred the call and I was placed on hold for about 5 minutes. Long story short the same answer was given by a manager " no '' and adding insult to injury she stated that my creditability with them was in question because of a previous over draft in the last 6 months. I left very upset and frustrated with the entire situation. I also called one more time the following business day and the exact same answer. No ... Please consider this fact. This was a preprinted teller check from a credit union and that when purchased originally by the payee was told that it 's the same as a cashier 's check. Now I have to wait 10 business days. Why? Why could n't USAA physically pick up the phone and verify funds or tell me from the beginning there was going to be a 10 day hold. I would have cashed the check elsewhere and been able accomplish what I needed to. Now I 'm on hold and it put me behind on what I needed to take care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 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: CA

Complaint narrative:
I have a contract with XXXX for {$19.00} for months XXXX through XXXX and {$49.00} for months XXXX. My very first billing was for {$30.00}. I called XXXX to resolve the billing as they were in breach of contract, and received no satisfactory resolve. I was then billed for the second month for {$60.00}. Again I called, and no resolve. After receiving the incorrect billing, I called to terminate their services. To which they now tacked on an early termination fee. I have tried to resolve this matter several times, mailed them my dispute, to no resolve. I have now been sent to collections for {$520.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) stole my car without due cause. In the process, they stole over {$810.00} in cash between my XXXX cars and other personal items ( such as my personal finance information used to finance my auto loan ). An 'investigation ' was 'conducted ' and the result was no money was stolen. This is 100 % false and is theft. I have audio recordings of other unfortunate individuals stating they too had items stolen out of their vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 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: WA

Complaint narrative:
I failed to pay my last bill for {$100.00} with XXXX in XX/XX/XXXX. The account was sold to Diversified collections agency. I paid the full amount to Diversified in XX/XX/XXXX with the verbal agreement that they would delete the derogatory information from my credit report. Not only did they fail to uphold their part of their agreement, but they reported to XXXX " Settlement accepted on this account ''. This is false. I paid the full amount, and I paid with the agreement that this would be deleted from my report. Additionally, because I paid the account 3 years after it XXXX went delinquent, this will not fall off my report for 3 additional years. I have been penalized for making good on my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: TH Professional & Medical Collections LTD
State: IL

Complaint narrative:
XXXX., Monday, XX/XX/XXXX15I was just at my desk and received a telephone call from a medical collection agency XXXX regarding an account I have had with them since XX/XX/XXXX this year. I was asked initially to verify my date of birth, which I did not do immediately. When I asked for the identity of the person calling me, the lady on the telephone responded with asking me the same question about my date of birth. I refused again, stating that I was not trying to be rude but did not feel this type of call to me at my place of employment was appropriate for them to contact me. The lady then asked to be transferred to the XXXX XXXX department of my employer. I did give her the general telephone number to call but did not transfer her. I also did verify my date of birth to her, although I am sure she had that information on her computer screen in front of her. The telephone number that showed up on my caller ID is ( XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I am a victim of IDENTITY THEFT. On XXXX XXXX XX/XX/2014, I was notified by XXXX that someone had attempted to open a bank account with USAA Bank with my Name/SS # /Date of Birth. My issue with USAA Bank is that they will not respond to my requests to obtain the records relating to the fraud. The Fair Credit reporting act, 609 ( e ), allows me to obtain these records without subpoenaincluding : Account applications made on paper, online or by phone Account statements or invoices Records of payments or charge slips Delivery addresses associated with the account [ s ] All records of phone numbers used to activate or access the account [ s ] Investigator 's report All other documents associated with the account [ s ] I have sent USAA bank a copy of the police report, proof of identity, and an Identity theft report registered mail. USAA Bank have ignored all requests for me to obtain this data ; and after numerous phone calls ; they are not responsive. They always say they will call me back, but never do. USAA has not provided me any information regarding this Identity theft. I need help! Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I have XXXX daughters that have checking accounts with my same bank. I opened up these accounts for them, so my wife and I were on their accounts. Back in XXXX 2015, my XXXX daughter put her account into the negative. The bank informed me that I was also liable for the negative balance. I thought that when my daughter turned XXXX, we would be taken off from the account as primaries. Considering the circumstances, I paid the negative balance and removed myself and my wife off of the account. Also, just in case I removed us from my XXXX daughter 's account. Now, we go to XXXX XXXX and I find out my XXXX went into the negative. The bank called me to inform me and apparently my wife and I never were removed from either XXXX of the XXXX daugther 's accounts. So, I have talked to XXXX different people from XXXX different departments and they all say there is no proof that I wanted to remove us from the accounts. So, I am liable to pay the negative balance once again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
I had a credit card with USAA Federal Savings and XX/XX/XXXX the account was charged off. XX/XX/XXXX, they sent me a XXXX for the charged off balance, which I filed with my taxes. They are still reporting the whole balance and it should have been XXXX once the XXXX as issued. It has affected all my financing since XX/XX/XXXX due to this fact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 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: LA

Complaint narrative:
I obtained cellular service from XXXX in 2014 ( Account XXXX. XXXX ) ; however, it did not work at my location. We spoke with XXXX employees that told us we could get a refund ( see attached ). We were then sent notices ( and continue to do so ) from various collection agencies ( XXXX and XXXX and most recently Diversified Consultants. XXXX XXXX XXXX ). We have sent the first XXXX copies of all correspondence and never heard from them again. Now we get the same notice form Diversified Consultants , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Butler, Butler & Rowse-Oberle, P.L.L.C.
State: MI

Complaint narrative:
Butler, Butler, & Rowse-Oberle PLLC filed suit against me without my knowledge. This firm is a debt collector attempting to collect on a debt to which they have no claim. They have no first hand knowledge and therefore can not be granted relief. 

The Fair Debt Collecting Practices Act 805 ( a ) states, " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. '' A correspondence dated XX/XX/2016 was received from Butler, Butler, & Rowse-Oberle PLLC, stating that they were retained to collect a debt and that I had the right to dispute the validity of the debt, which I did, because I have never conducted any business with Butler, Butler, & Rowse-Oberle PLLC. A Cease and Desist was also issued with the notice of dispute. 

According to the Fair Debt Collecting Practices Act ( 812 ), a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. " It is no awful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating. '' In reply to my disputing of the validity of the alleged debt, a correspondent dated XX/XX/2016 was received, where Butler, Butler, & Rowse-Oberle PLLC failed to provide sufficient proof of their claim to the debt. XXXX also sent copies of copies of agreements between XXXX and myself with intent to use as proof that her firm has claim to the debt. 

In addition, the Fair Debt Collecting Practices Act 811 states, " any debt collector who brings any legal action on a debt against any consumer shall in the case of action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located. '' XXXX of Butler, Butler, & Rowse-Oberle PLLC does not have a contract or interest in real property with me and therefore can not bring a claim on behalf of another party.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I was contacted by XXXX XXXX ( XXXXXXXXXXXX ) on XXXX XXXX 2015 to discuss a loan refinance on mycurrent 7 % mortgage. I told the mortgage banker that I have n't been able to refinance becauseof self employment and little to no XXXX income. After talking with her for 3+ hours, she said that wewould be able to work together and even told me they could refinance XXXX our rental properties. 
On XXXX XXXX 2015 Loan Depot removed 2 x {$390.00} from our bank account for XXXX appraisals. 
The appraisal for the primary property was completed on XXXX XXXX. 
We were contacted on the XXXX telling us we would n't qualify for the refi. 
After complaining we did get a refund for the rental appraisal not completed, but not for the completedappraisal. We did n't understand why the appraisals were ordered prior to being approved for a loan. 
We are currently working with a different company and requested the appraisal that we PAID FOR fromloan depot. They refused to transfer the appraisal to our current lender, forcing us to pay for another appraisal. We are requesting a {$390.00} refund for the appraisal that we ca n't use for our refinance. 
Loan Depot wo n't answer our request. 
Sincerely, XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
Is constantly calling my employer and is calling me and threatened I will loose my job if I do n't pay

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 2016-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Diversified Consultants , Inc continues to call my phone XXXXXXXX times a day trying to collect a debt that is n't mine. I asked them to mail me a certified return-receipt validation of this debt so I could contest it, and they refused. My attempts at explaining this situation to a supervisor were dismissed out of hand, and I was told to pay up or they would continue calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
My mortgage processor with USAA, XXXX XXXX XXXX emailed a completed VA form with my social security number, date of birth, full name and address prefilled on the form without any read protections or encryption since she felt it would be faster than using USAA 's encrypted banking website to send the form. USAA 's own internal company policy prohibits emailing of any mortgage forms because of the risk of identity theft ( as stated to me by another representative earlier in the mortgage process when I requested a loan pre-qualification letter ). Despite XXXX XXXX claims to the opposite, the email was not encrypted and she feigned ignorance of how encrypted emails work by stating that USAA 's networks are encrypted and thus all emails are as well. Her deliberate act to email a VA form with my personally identifiable information ( PII ) via an unsecure email without any document protections ( such as requiring a password to open the file ) has exposed me to the potential for identity theft now. 

Beyond this issue, throughout the mortgage process USAA refused to honor my wishes to contact me by telephone instead of by email, causing delays in providing documentation. USAA also failed to explain the process in which mortgage officers are appointed and how you may not have the same officer if you have to cancel XXXX application and begin another. The quality of the mortgage officers varies widely with some apparently completely unable to read a customer profile ( I am not married, but XXXX XXXX insisted I was XXXX and asking to have a new officer assigned becomes an adversarial event between the customer and a manager. Management of these officers is similarly terrible with promises not being followed up on or even phone calls returned requesting help. 

I do not intend on ever using USAA for future mortgages and I would not recommend them to anyone either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Clear Debt Solutions, LLC
State: ID

Complaint narrative:
This company keeps calling several time a day. We have asked them to send a statement in the mail so we can verify what exactly the debt is for. They told us that would just take further action and hung up on my wife. They called me at work after I asked them several times not to call me at work. When I asked them to send a statement in the mail they gave me their address and said they emailed us a statement. When I again asked for a paper statement they said they would just have me served. They are also calling my mom and dad and giving out my birthdate and the last XXXX of my social security information. After several times of them telling them not to call they keep calling them. We have asked them several times to send us a statement and when we do that they threaten to have us served and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES
State: CA

Complaint narrative:
In order to prevent a late payment due to the busy time during the holidays, we decided to mail payments a week before the end of the year. Dating the payment check on the first of the due month ( as we normally do ), Provident Funding received our payment days before the check could be cashed. Instead of keeping it until the following business week, they decide to return the check to us, along with a polite note stating that they do not accept post-dated checks. The letter was dated XX/XX/XXXX, and the check was dated XX/XX/XXXX. We 're now facing a possible late charge because of their unreasonable policies and practices. We prefer to send physical checks because of the security risks of having bank information stored online, but we now see that this can not be avoided because the companies themselves are encouraging it, therefore making themselves targets of cyberattacks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation