vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-25 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: LA

Complaint narrative:
contacted my work after i spoke with them and said do not call my job i will do my best to resolve this issue then called my employer and spoke to my manager and started asking questions about do i work here and so on ... Not only did they do that XXXX also called my mother and harassed her about making a payment saying that we will bring you to court and you will pay double if we do n't make a payment today my mother was crying and upset they disclosed my personal information with not only my loved ones also my co workers and they are all in distress including myself i had to leave work and my lawyer is now aware of the situation thanks i hope we can resolve this matter..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I had a XXXX XXXX credit card with USAA. I went online to pay my bill ( XXXX 2015 ) and it showed a balance of roughly {$1300.00}, so I paid it with my check card from XXXX. After I logged off, I remembered paying the bill previously and called USAA. I explained the situation that I had paid the credit card bill twice and would they refund my {$1300.00} that I had overpaid. They said that they would have to research the error on their part of not keeping their website up to date and issue me a check in XXXX days, and that that was all they could do. So I went to XXXX and cancelled the ACH payment and closed the account with USAA. USAA charged me {$36.00} for the cancellation of the ACH ( on a closed account ) that was paying the overage that was due to their not updating their website. They put a complaint on my credit report, even though I paid them their {$36.00}.

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 2016-06-24 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: UT

Complaint narrative:
This company has verified that the socials do not match and this account is not mine. It is my father who has the same name. They claim they are not reporting it to the bureaus but they are and it is affecting my financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Loan # XXXX LoanDepot issued an Escrow Surplus refund check in the amount of {$6700.00} on XXXX XXXX 2015. To this date i have not received the check. 
I have emailed, and called customer service several times to get another check sent out ( with a tracking number )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Clear Debt Solutions, LLC
State: OH

Complaint narrative:
These people called me my brother my mom my boss all after repeatly calling me 3 x a day and I told them to stop! This is rediculous and these people should not be called! It 's CDR XXXX ext XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc.
State: CO

Complaint narrative:
I was never contacted by Diversified Consultants ( DCI ) about a debt. The debt is not mine ; it belongs to my ex-wife. We used to share a comcast account that she improperly closed. DCI never contacted her or me about the debt ( {$63.00} ). The first I learned of the debt was when I noticed a collection on my credit report. 

I immediately contacted DCI, explained the situation, and was told it would be removed from my report. They never removed it. 

I disputed the collection with all XXXX bureaus. XXXX removed it immediately, XXXX is still pending, and XXXX contacted DCI, who instructed not to remove it. 

I contacted DCI again and spoke to a supervisor. He refused to tell me when and how they tried to contact me. He also refused to remove the collection from my credit report. When I asked to speak to the legal department, he said to hold but then hung up on me. 

I immediately called back and asked to speak to a supervisor again. I was then told that DCI has no legal department but they have a compliance department. He said he would transfer me to compliance bu then hung up on me. 

So here ' my complaint : DCI never contacted me about a debt, the debt is not mine, DCI filed collections with all three credit bureaus, I immediately paid the debt in good faith upon learning of the collection reports, DCI said they would delete the collections reports but never has and now refuses, DCI will not tell me when they tried to contact me, my ex-wife states that they never contacted her, DCI has hung up on me twice. DCI 's actions have dropped my credit score approximately XXXX points, and they refuse to rectify the situation, or even talk to me. THey will not remove the collection from my credit and will not provide me any documentation regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: National Recoveries, Inc.
State: GA

Complaint narrative:
I contacted National Recoveries when I first started new employment and entered into a loan repay program. All of the paperwork was submitted by email and fax. My name and address was to be corrected. The company did collect from my bank account the agreed upon amount for 8 of the 9 months. The repay program was for 9 months. The bank account had my correct address and name. The debt collector should have had this information corrected. I never received a notice that I needed to sign a new repay agreement. I was told after the repay program I could enter into a deferment. However, upon realizing the last payments at 9 months was not taken out of my bank account, I contacted National Recoveries. At this time I was told that they sent me a packet ( to the incorrect address and incorrect name ) and that I would need to reinter into a new agreement and pay another 9 months. I decided to let my lawyer handle this, as I quickly realized this company is a scam, and makes money off of keeping clients in debt rather than helping to get them out of default. The longer they keep you in their company and as a non payer, the more money they receive from the US Dept. of Edu. Fast forward to 2016 and my entire tax return is withheld due to this debt, that they continue to hold me under rather than letting me complete my repay agreement so I can enter into a default. As a single mother of XXXX children, working a state job, and receiving state benefits just to make it paycheck to paycheck this is a disgusting tactic employed by this company. I do not understand why the EDU continues to use them as a contractor.

Company response to consumer: Closed
Consumer complaint received 2015-08-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX, 2015, USAA Banking Services phoned me to ask if I had authorized an additional credit card to be sent to an undisclosed address in Florida to which I replied no. They responded that they would cancel my existing card and send me a replacement.Upon reviewing my on-line acccount I discovered USAA had already sent the additional card to Florida on XXXX XXXX. I contacted USAA and told them of their mistake and they said they would correct their mistake. On XXXX XXXX they then expressed a second card to their bogus address in Florida, followed by a third card sent on XXXX XXXX. My attempts to discuss their actions over this elapsed period, as of today XXXX XXXX, has been been met with " someone will need to get back to you on this matter ''. No one will discuss my accounts, banking account, credit card theft, or other services. My on-line account reflects XXXX account number ( which I do not have ) and current Billing Statement reflects a different account which I do not have. At the present time I have no USAA credit card.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
USAA Bank closed my checking account due to attempted access by an unauthorized company. I disputed it and eventually had to have CFPB to resolve it. USAA closed the account but did not open another account for me due to the attempted fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
XX/XX/XXXX, I did a loan modification and it has been a nightmare every since. After the modification, the escrow account was not properly funded. They tried to increase my payment to XXXX per month when I am only supposed to pay XXXX. I have been trying to get this resolved since XX/XX/XXXX. The loss mitigation department, identified the issue, stated the issue was on the end of the money source and they would get it fixed. To date it has not been fixed and now they are reporting me late to all credit bureaus.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Collection Bureau of America Ltd.
State: SD

Complaint narrative:
My name is XXXX XXXX XXXX Collection agency collect me payment. 
Because first time i open my credit report i saw collection there. 
I called collection company asked them what is goin on. 
They you have pill form charter communication which you did not pay. 
I told i only had service with one year ago and already paid to them every penny and even gave them back their equipment. 
They said it is yours if you pay now we remove just pay it. 
I gave my debit card number. 
After that i confused search more information i disputed my payment called them sent dispute to my bank. 
I asked them to validate. 
They sent me validation letter which is absolutely different person and different name with slightly similar to my name. 
Address of the service if different. i called them i explain everything they said you pay why yoy callingthey and they cutt of the phone. 
I can proof everything that they mistook me for someone else. As i was n't living there moved a year ago and never lived or had service the address of the service they provided.

Company response to consumer: Closed
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL

Complaint narrative:
Call received from a collection agency as in represented as a lawyer claiming false statements to collect a wrong amount. 

Received letter from collection agency with incorrect amount. 

Copy of insurance included with the correct amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
The debt was for the amount that XXXX XXXX XXXX XXXX XXXX looked for reimbursement due to an accident involved their insured client. However, XXXX XXXX XXXX XXXX XXXX employee was able to contact me earlier. I gave them my automobile insurance claim number. The debt was paid off after XXXX XXXX XXXX XXXX XXXX employee contacted my automobile insurance company. I confirmed with my automobile insurance company claim adjuster that the full amount of this debt was paid. NCB Management Services Incorporated says they represent XXXX XXXX XXXX XXXX XXXX and its insured, who was involved in the accident and keeps contacting me about the debt that was already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
XXXX is offering an exchange rate of XXXX pesos per dollar on TV and the internet. I opened an account to send a small amount. according to their website, they state this : " The Promotion will entitle eligible customers to : make XXXX ( XXXX ) transfer of up to {$990.00} to XXXX at the foreign exchange rate ( the " Special FX Rate '' ) published on Remitly 's Special FX branded landing page or mobile application that linked to these Terms and Conditions, as that rate was published at the time that you submitted the transaction. 
Special FX Rate Conditions. The Special XXXX XXXX will be applied by XXXX directly to your qualifying transfer and can not be used on subsequent transfers. The Special XXXX XXXX is subject to change from time to time at XXXX 's discretion. The XXXX will be valid for qualifying transfers submitted during the XXXX Period and must successfully complete to be eligible for the Special XXXX XXXX. '' I sent XXXX dollars and XXXX pesos should have been received but only XXXX were deposited. When I called customer service they said I should have sent XXXX dollars, but I said the ad does n't say that. 
XXXX is deceiving customers with deceiving advertisements, that 's clear

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 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: First Credit Services Inc.
State: AZ

Complaint narrative:
I cancelled membership with XXXX XXXX XXXX XXXX both in person and in writing, effective XXXX XXXX, 2010. The fitness center continued to charge my 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 2016-08-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation
State: FL

Complaint narrative:
I was working with XXXX as my MERCHANT PROCESSOR to processes my customers credit and or debit cards as payments. They then randomly froze all the funds from my customers and ripped out {$2000.00} from my account and claimed ID THEFT without any merit. I then provided them with all the identification items the requested ( which by the way was required by federal law for them to collect this information prior ) They then corrected that information. They then said that we were n't authorized to sell our products because we were only authorized to sell jewelry ( that to is a lie, the person that wrote our contract wrote service provider not jeweler ) So they lied on that to. They have not sent any deposits in 3 months for any of the funds my customers paid for. They are claiming that they now have to hold it in a non intrest baring account for XXXX months due the possibility of chargebacks. Keep in mind no chargebacks existed and they had no reason to hold my funds. They fabricated this, then after proving them wrong they went and removed the ID THEFT STATUS ( which by the way has prevented my company from being able to open another account and make money. ) Because we were unable to receive our funds from our clients we could n't afford to provide goods or services for all of them. Also we never received the customers money so they had not choice to do chargebacks to get the funds back from XXXX holding them. Now XXXX owes us around {$11000.00}. They gave us a written email from numerous employees saying that they will now be mailing us a check for {$6800.00}. I have in writing from them that they already mailed the check. Now another person says they have decided not to mail the check. They have held the funds for XXXX days now and are not answering the phone, they 've hung up on me, they are ignoring emails now. THEY STOLE MONEY FROM MY ACCOUNT WITHOUT MY APPROVAL. The dates on the account will show that no chargebacks accrued until after they did all of this. and now they are playing games and lying about sending me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NC

Complaint narrative:
This company contacted my cell phone at XXXX EST. DId n't leave a message and when I called it back thinking it was a number from someone I was expecting they say that they are closed and provided the website to make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
I have a a unverified account from CREDIT MANAGEMENT XXXX. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 non-monetary relief
Consumer complaint received 2016-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: EdFinancial Services
State: GA

Complaint narrative:
I was in good standing with my student loan servicer for almost 10 years. In 2014 I started a business and simultaneously lost my job. I was able to make payments for a while but I make almost no money $ XXXX-XXXX gross per month and it has been that way ever since. I applied for IBR swiftly upon realizing how tight my finances were going to be and for the 2015 year I did not have to make any payments. This year, the same company, Edfinancial is doing their best, it would seem, to block me from IBR even though I am making roughly the same amount and I am 9 months XXXX, about to give birth any day now, and am on Medicaid and Food Stamps. I have asked them 4 times now what precisely they need from me in my statement of self-employment and each time they have given me incomplete information. I have applied with the information they requested only to find out, too late, that my application had been rejected and I owed. They keep saying " Oh, its ok you can apply your forbearance. '' Clearly, this is how they rope people in who are not paying attention. I do n't want to use a forbearance when it is their fault. That is for emergencies and they are divesting me of it as a cheap trick to make a dime. I have asked to be put in contact with a manager. I will continue to get my account switched over to IBR but they are making this process convoluted and I feel like its an attempt on their part to trick me out of the resources I have so that I am living month to month waiting for them to prey upon the meager income that I make.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation