vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
My complaint is a personal complaint but has ramifications throughout the mortgage lending industry. I recently agreed to a 15 year mortgage@2.875 % a very good rate that has since moved higher. However, I now believe my bank, USAA, is intentionally slowing the closing process down. We were supposed to close XX/XX/XXXX. It has been rescheduled five times! The last two of which were canceled 10 minutes before the signing, as I was on my way to the meeting! However, this is not my complaint. I see a broader issue here where banks can extend people 's refinance dates in order to potentially earn extra income from the existing loan ( given they continue to hold the original loan. ) I have no recourse. I complain but ca n't be refunded for the two extra mortgage payments I have paid and the {$800.00} in higher interest I have had to pay. Industry wide this practices costs consumers significant sums of money. I would love to work on an industry panel or regulatory body to fix this issue. Possible solutions could be a limited timeframe to complete a loan after which the bank will pay the difference in interest owned. Thank you for your time, I hope this reaches someone who will help people without any power.

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 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: National Recoveries, Inc.
State: AR

Complaint narrative:
XXXX XXXX closed down for false practices, misleading their students, and making false promises with helping find a job in the industry after you graduate. XXXX XXXX was a for profit college. Six months after graduating, XXXX XXXX began calling me and asking for {$800.00} and to begin repaying my student loans. There was no way I could afford that and make my rent payments. I began to struggle with these payments and began looking for alternative options. I ended up consolidating my student loans, so that I can afford to make my monthly payments. After that, I began to get calls from XXXX XXXX and the agents would refuse to lower my monthly payment and advised me to get a " Better '' job, so that I can meet these payments. I believe this conversation along with all conversations are recorded. XXXX XXXX called my parents, due to them being Co-signers of my student loans and harassed them. They would continuously call my parents at all hours of the day to harass them for payments. One agent even told my parents, if they did n't make a payment, they could take away their house. Obviously, my parents got scared and my mother called me crying that day. 
When it became XXXX, I then setup an auto pay with them. They had agreed to a semi reasonable monthly payment - around $ XXXX ( do n't really recall ). Then one month they took more money from my account ( around {$800.00} ) leaving me to scatter around to make my rent payment. Since then, I could no longer trust them and cancelled my auto-payment. 
My student loans have crippled my credit and I was even denied when applying for an Apartment. I do n't qualify to purchase a house because of my crippled credit, therefore living in an apartment is my only option. However, it makes it difficult to even do that due to my student loans ruining my credit. I have proven documentation of being denied because of my student loans, they show as a " Debt '' not as a student loan. At this time, they are garnishing my wages and I am currently in a rehabilitation program in which consists of giving them an extra {$270.00}. My students loans were with XXXX XXXX, which later became XXXX. I 'm am not sure of the exact details, however XXXX sold my student loans to National Recoveries Inc. 
Overall I am giving them around {$500.00} per month, in which I can not afford, however I am making it work and cutting my budget to make ends meet. With all these late/accrued interests, I will forever be paying these loans. It does n't seem fair at all.

Company response to consumer: Closed
Consumer complaint received 2016-02-17 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX, 2016, I initiated a " Send Money '' payment for {$770.00} from my checking account with USAA. The transfer vehicle for this payment was XXXX. The {$770.00} was debited from my account on XXXX XXXX, 2016, but never entered the XXXX system, and was not received by the recipient. Since then, I have contacted USAA multiple times to resolve this issue, and have been met with a refusal to provide any restitution. Additionally, USAA has continually referred me to XXXX to rectify this issue. USAA supplied me with a XXXX transaction ID with which to locate this payment. XXXX has no record of this transaction ID, and has no record of any transactions from my account for that amount using my checking account information. On XXXX XXXX, 2016, I spoke with a member of USAA 's Executive Resolution Team named XXXX, who, after talking directly with XXXX, informed me that USAA would be crediting my account for the entire {$770.00} within XXXX business days. After 8 business days, my account has not been credited. I spoke at length again with XXXX members of USAA 's Executive Resolution Team ( XXXX and XXXX ) on XXXX XXXX, 2016 to try to ascertain the whereabouts of my credit. These individuals informed me that USAA would not be crediting my account ( as previously promised ) and that I would have to take up the issue with XXXX. Although I informed USAA representatives repeatedly that since the transaction does not exist with XXXX there is nothing XXXX can do, they refused to offer me any restitution.

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 2016-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
i have asked them several times not to cal me they call me several times a day even during inappropriate times of the day

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Usaa Bank has refused to honor replacing a car from an accident XX/XX/2013, which has caused an unneeded expense of over {$30000.00}, plus XXXX, replacement job wages, items lost in car and we were told USAA BANK illegally totaled the XX/XX/2013 car, and as well USAA BANK refused to send proper acknowlegement to these things but to use hate, anger and illegal activity to cause severe issues in all USAA BANK related uses, causing credit issues health issues and other issues not needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/2016 I was contacted by USAA Bank but no message was left. When I called them back, I was sent to the main menu where I checked my balance, at that point I was made aware of an unusual balance of over {$4000.00} in my checking account. I knew that was unusual and called to report it. The rep. XXXX from member security stated that a deposit of {$4600.00} was made, after some questions I was confused due to the medications I take as a veteran and stated that the only possible reason for the deposit was if my father had sent the money. I was not completely sure and was merely stating a thought. I was then asked if I had withdrawn money and I confirmed that I had at some point withdrawn money that week but could n't remember the day or the exact amount. I was then told someone had called in as me and had access to my entire account and it was now under lock. 
I tried to explain that I have been the victim of ID theft thru XXXX XXXX Inc. and did not commit any fraud. 
I was contacted on XX/XX/XXXX by the original USAA XXXX, who badgered me with questions stating I was committing fraud and being held liable. 
I was then contacted by XXXX in the USAA XXXX. that I was going to be held liable but I was not provided any reason as to why.

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 2016-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
I was seeking to refinance my home. I started working with XXXX company ( Loan Depot ) in CA. they ordered an appraisal which I paid for. just as the appraisal came in I was offered a much better deal by another financial service. I and the new financial company asked Loan Depot to transfer the appraisal. they are refusing saying they do n't do that. I paid for it. In addition they contacted my insurance carrier and informed them they would be servicing the loan even though I have informed that I no longer wished to proceed with their offer. I understand they are upset at losing my business but do n't I own the appraisal. just because they " would not accept another appraisal '' does not mean that it is legal or ethical to deny transfer. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I 'm the seller of a property. They buyer 's lender, USAA, chose to adopt a XXXX guideline before it was required causing a delay in the close on our house. This delay of just a couple days pushed out into the following month, costing me an extra month of interest and MI on my loan. Total cost to me is just over {$1300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: We Collect Inc
State: OR

Complaint narrative:
Atlas Financial Services is reporting a collection through XXXX Credit Bureau. This company has unlawfully gained access to my private health information as they sent me a detailed list of services from my medical provider. This is in violation of HIPPA privacy laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Island Title Services, Inc.
State: IL

Complaint narrative:
On XXXX XXXX, XXXX I was charged for a pavement assessment fee at the sale closing of XXXX XXXX XXXX XXXX XXXX FL. The fee was paid to XXXX XXXX XXXX for assessment dated back to XXXX XXXX, XXXX. When we purchased the property in XXXX XXXX, XXXX, Island Title Company gave us a clear title to the property. I put in a claim to Island Title for reimbursement of the payment we paid to XXXX XXXX of {$980.00}. After several months of emails and phone calls for status of my claim I received a response letting me know that Island Title would offer me a settlement payment for a portion of the payment I paid which I agreed to accept. I have only received partial payment of that settlement agreed payment and have left several messages and sent several emails and have not heard back from Island Title. Island Title has defaulted on the payment agreement made to me and I am now seeking to receive the full payment due me of {$650.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: American First Finance, Inc.
State: IL

Complaint narrative:
I was approved for furniture financing and I decided I no longer wanted to make the purchase and asked the store to cancel. The finance company is continuing to withdraw money out my account. They stated the store is pretending the purchase was custom furniture, they stated they have an invoice which would show nothing is custom I have revoked ACH privileges so I 'm sure they will start negatively reporting to the credit bureaus

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 monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX veteran, service connected with XXXX and XXXX. 
I was employed through an XXXX where medical benefits were covered through XXXX California. My premiums were always paid and I never used my insurance. Until I was XXXX and XXXX was needed. The medical group pre-authorized the XXXX. The XXXX was scheduled and after the XXXX, XXXX XXXX XXXX California did n't pay out. Now the medical group sent this {$7000.00} debt to collections and it 's on my credit report. I ca n't even get a cell phone because of these negative accounts in collections. Somebody made an mistake and it was n't me. The medical group has money, the insurance companies have money, the collection agencies have money but they 're trying to stick the debt on the XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: AL

Complaint narrative:
American Medical Collection placed an erroneous item on my XXXX Credit report. I have disputed this item once and again today, XXXX XXXX, 2016, but TransUnion claims it was verified. I called this collection agency and encountered unprofessional customer service where the rep claimed she could not find the claim. Informed her that I have Medicare and XXXX XXXX XXXX XXXX -- what is not paid by Medicare is paid by XXXX. The rep hung up without assisting me. I called again after disputing with XXXX and, again, explained to the rep my medical insurance. She asked for my Medicare # and stated that she would bill Medicare. I demanded that she immediately remove this erroneous item from my XXXX report, and she laughed and stated that she would not. This is a {$120.00} XXXX charge that should not have been sent to the patient. In essence, American Medical Collection is committing Medicare fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
I just learned today that the debt collection agency NCB Management Services on behalf of XXXX XXXX XXXX telephoned my wife in late XXXX XXXX. The collector harassed my wife to the point that she felt forced to pay {$50.00} on the account and has done this in years past to re-age the account. The account is not my wife 's account. It is my account. I never gave my wife authority to pay anything on the account or on behalf. The account is out of statute. Back in XX/XX/XXXX my XXXX son XXXXXXXX for months on end. I have not, personally, paid on the XXXX XXXX XXXX account for over 5 years. I know the collection of the account is out of statute. Here in Pennsylvania the statute of limitations is four years. I believe it is an unlawful collection practice by NCB Management Services to hound a non card holder to make a nominal {$50.00} payment in an attempt to revive the statute of limitations -or any other amount. I believe that NCB Management Services should return to my wife the recent {$50.00} payment that they procured by fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Accredited Collection Service, Inc.
State: NE

Complaint narrative:
I received a phone call through my employer which I 've told this company to NOT do in my previous complaint. However I asked this creditor to send me documentation proving the debt which they did send. I called the insurance company to investigate if the charges were correct. I called ACS and left a message advising the insurance company was investigating the bills and to allow time for that. ACS NEVER followed up to check the status of XXXX 's investigation and file suit against me. I provided ACS a vaild phone number to reach me which they NEVER called to see if I personally had any update or anything. ACS filing suit against me WITHOUT verifing XXXX determination is violation to MY RIGHT to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation
State: VA

Complaint narrative:
I received a request from " Money Network '' to verify my identity. The request was for XXXX of the following items : Social Security card, Passport, Driver 's License, Military I.D., Green card, etc. 
The letter said they needed these documents to upgrade my account to a Premier Account. They asked for the documents to be mailed to Money Network, XXXX XXXX XXXX XXXX, XXXX GA XXXX. Or, fax to : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I took a XXXX loan from Cash Call. In taking the loan I was never disclosed the accurate interest rate. I was thrown a bunch of percentages that at the moment did n't seem to make sense. When I asked them to clarify, he told me that " interest was higher than most loans but was n't too bad. '' That what I would want to do would be to " pay the loan off as soon as possible ''. I thought to myself well DUH! and how bad could the interest be. I asked if they would send paper work after the loan funded so I had an accurate description of the interest. They said yes and happily took my banking information. I never received paperwork and I have come to find that I am paying roughly XXXX per month as my payment and {$0.00} cents of that are going to principle. This cant fit in a box called fair lending. This is financial prison! They wont work with their customers and the harassment is relentless. I took off the ability for them to have ACH access to my back account and the calls have been non stop. The calls start XXXX days before the due date. On the due date last month and I logged XXXX calls to my home and cell in a XXXX hour period and into the evening. By far the worst experience I have ever had. The company seems to take pride in how they take advantage of their customers. They use no moral compass in how they navigate business. Whatever law they are operating under should be very closely looked at by the proper authorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 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: EOS Holdings, Inc.
State: CO

Complaint narrative:
AS EOS IS NO DOUBT AWARE, I HAVE REQUESTED THAT VALIDATION BE MADE ON THIS ALLEGED ACCOUNTS INFORMATION, I DID NOT REQUEST VERIFICATION OF THIS ALLEGED ACCOUNTS INFORMATION. EOS HAS NOW LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO YOU BY LAW. 
EOS HAS NOT PROVIDED ME WITH THE FOLLOWING INFORMATION IN THE TIME FRAME ALLOWED TO YOU BY LAW. 
THE FOLLOWING INFORMATION HAS NOT BEEN PROVIDED! 

What the money you say I owe is for.-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Explain and show me how you calculated what you say I owe-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Provide me with copies of any documents that show I agreed to pay what you say I owe-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Identify the original creditor-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Show me that you are licensed to collect in my state-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Provide me with your license numbers and Registered Agent-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 

At this time I will also inform EOS that your offices have reported invalidated information to all XXXX of the major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative marks that have been found on all of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against EOS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Solutions, Inc.
State: NC

Complaint narrative:
Repeated monthly Reports of negative collection of medical debt on credit report that is not my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: NY

Complaint narrative:
I joined XXXX XXXX XXXX on XXXX 2014. before i did it I asked particularly if there any contract, they said " no ''. I signed permission to collect monthly payment and paper for health condition. of course I never saw any contract, since there where no contract as they were saying. on XXXX I wanted to stop visiting GYm. They told me to write a a letter to themand send it with confirmation. There where snow storm alert and post offece was not working. So they received it later certain day. Monthly payment is {$20.00}. Where this amount come from I have no idea. 
I spoke to collection department they said this is anually payment. they do n't anything this is the amount their client want. i spoke to them 2 times, and refuse to pay this amount without any explanation. XXXX send me contract with no signature or any place where the signatury supposed to be.

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