vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I recently pulled my credit report and my loans were current paying as agreed with no notification that I had come out of in-school deferment. I was contacted in XXXX of XXXX stating that I was in fact 120 days past due. I explained to the rep that I in fact was not 120 days past due. I immediately started to calculate from the ending semester of XXXX XXXX and I would have been reaching to my 30 day mark. I was told that until I can obtain a letter from the second school I was attending with verification of attendance I could apply for their indigency program ( unemployment deferment ) as long as I met the criteria, which I did and they would backdate and remove any missed payments and bring my account current. She also stated when I started school I can then have the school to request an inschool deferment. Well I have spoken with 5 reps since then. I was originally told I was 120 days past due and have been told 5 different things as to the time frame I am past due, I did not submit the correct documentation and was told 5 different things. Each time being patient to fix whats now effecting me in a horrible way. After submitting the documents they did push my due date out but did not correct the past due amount on my credit and to me that 's an issue. After submitting filling out what 's required that misinformation has been given is n't my faulat and in no way should be reflected on me, yet it is. I 'm still being told that the information I submitted was n't good enough and to resend information. After speaking to the manager who then tried to use my statement as if I stated that I did n't want to go to school and probably because the school was right. My reasoning was because I no longer had transportation and had to pay someone that I could n't afford to do to take me to the school who would have to drive XXXX hours to pick me up and an additional XXXX minutes to take me to the school, pay parking, etc. Even after explaining my situation and although I was given several stories including submitting the indigency application and they will backdate it to correct the issue. I explained that I only called back because I now have received 5 now 6 stories and was being told that a rep put in notes that I stated something that was in fact false. The manager asked me if I was done. I have never had to ask for the program before and I have never requested anything from them. The one time that I submit what was told I needed to submit to rectify the situation I am being told by the manager I do this often. When in fact I have never had to deal with them personally but once 5 years ago and it still shows on my credit as past due after being told then they would fix the issue other wise the school I have attended has always notified them I was in school. They were rude, liars, and falsifying information without 1 notice from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
Since about a year after I bought this house, I 've been getting these letters from a collection agency, saying that I owe them money. I 've never heard of this 'original creditor'- XXXX XXXX Bank XXXX They keep adding interest to it, too! I 've never heard of these people! It 's now up to {$20000.00}. Why would I want to pay a creditor money that, as far as I know, I 've never heard of, or done business with! If this were possibly a legitimate, then I think that someone has used my identity without my knowledge in the past! This does not show up in my credit report, either! I 'll enclose their recent letter with this online letter to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA Bank has recently started putting unnecessary holds on my deposits. My only way of making my deposits is via mobile app. My employer does not offer direct deposit. Not every deposit has a hold placed on it, but the holds are typically a week. One hold was for about XXXX of my deposit. My deposits are typically more or less around {$500.00} per week. There are no logical explanations for these holds. I'be been told one reason was because of a nsf that took place in XX/XX/XXXX. I have also been told the reason was because of average balances. And the holds are not on a specific account since the same amount of hold is placed no matter which of my XXXX deposit accounts I deposit my check to. The holds are n't placed on every deposit. I have had XXXX within the last three months. I 'm sick of this! This is my money, I earned it! I 'm tired of the XXXX excuses! If the American working force can not have better control over their hard earned money, then perhaps we need to do away with banking institutions entirely. USAA is suppose to be a bank for veterans, yet this type of activity is nothing more than harassment. I have had, supposedly since they ca n't tell me specifics about XXXX, XXXX nsf transactions in the over four years i 've been banking with them. I have had only one hold placed on my deposit prior to the last three months and that was over three years ago. I keep getting told it 's now government regulation and that they are doing it to protect me. XXXX! And apparently I am not the only customer having this issue. I have spoke with several having the same or similar problem. I filed a complaint with the FDIC, who sent me an email saying they had forwarded my complaint to you folks. That email was received XX/XX/2016. I have yet to hear from you on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
I posted a car for sell on XXXX in XXXX. I was contacted by someone who claimed to be interested in buying my vehicle. They convinced me to give them my routing and account number so that they could make a deposit into my account. That person then deposited {$5000.00} into my account, then within one day withdraw {$5100.00}. I was banking with USAA, the bank did not place a hold on the check which is a common practice. USAA contacted me and notified me that they were conducting an investigation on my account and that they believe that I was being scammed. A few days later, I was contacted again by USAA and informed that my account had been suspended and that they found me responsible for the negative balance. I was a advised by consumer affairs to file a police report about the money that was stolen from my account. I filed the report and provided it to USAA. I was told by USAA fraud department that they would continue the investigation into my account and since XXXX I have not received any updates regarding the status of my account. When I contact them they refuse to provided me with any information. USAA now refuses to do any business with me and they have reported me as having a negative banking history with other banks as well. I do not feel that USAA conducted a proper fraud investigation into my account. I would like for them to have provided me with much more communication regarding me account. USAA was my primary banking institution and this incident has caused and continues to cause me financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH

Complaint narrative:
This number is from USAA. They call me between 3 to 5 times each day and i have recieved around 200 calls from them in the last 2 and a half months. I get calls from them first thing in the morning and get calls throughout the day all the way up to about XXXX. I have told them to stop calling me numerous times but they keep at it. Its rediculous how many calls i get from them just in one day. They need to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Well, I filed a dispute with my credit card for a large amount of money. A woman named XXXX promised to contact me after calling her supervisor. However, I never heard from her. I left XXXX messages on her machine and also called and left a message for her supervisor. No one ever called me. I asked if there was other information they needed and she said, typically not, your services were not as described. I have protection under my master card credit card agreement, but the part I 'm contacting you about is the failure to communicate. I 've been asking for months, but no one will speak to me. If someone promises to call so I can get my facts together, fine, but now no one at USAA will return my calls. I 've called repeatedly. Then, I got a letter -- much after these events -- asking for all the same information I already filed. This person has mismanaged my case. I explained the details completely and submitted them. She said she did n't need the information and now suddenly she lost all of it. I do n't understand how my case is being mismanaged so terribly and why a supervisor wo n't call me back. It is disturbing. I want my money back. The amount of the dispute should not be in issue. It is within my rights to have the information and be communicated with in a timely manner. The fact that XXXX lost all of my information and sounded confused about my case reveals that she did n't even investigate or look into it. I have a provision in my case that states if the services were not as provided I could have my money back. In this case I left written documentation and forwarded it to USAA. I did everything on my side and now they want me to do it again. no one ever returned a call. I do n't want XXXX, I want a supervisor. and still no one called m back. I have been at the bank with the card for many years. Why ca n't they honor their word to me that I would get my money back?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
This phone bill was canceled, I instructed the phone carrier to cut the phone off because it would not be in use anymore, the rep said that they could close it out as long as the bill was paid or had XXXX balance. It was never closed, so the next month bill accumulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc.
State: AR

Complaint narrative:
Statue of limitation has run out, debt occurred in year of 2009. The debt was sold several times to different Debt Collection Services which keeps the debt open!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
In desperation to quickly cover a few unplanned expenses, I took out a {$500.00} installment loan from Advance America. I knew the interest would be high. And it was. Very. 

But, " desperate times ... etc '' I thought. I began the process of paying back my loan when I noticed the miserable, almost non-existent amount the principle had gone down. 
Out of the {$470.00} (? ) given thus far, a meager {$68.00} went beyond their interest rate. 
The real culprit however appears to be a line item detailed as " CSO fee ''. 

Example : My last payment for {$200.00} ( {$100.00} more than the minimum due ) made on XX/XX/XXXX applied {$10.00} to my principal. The remaining {$190.00} went toward CSO fees and interest due. All excess funds after the minimum due was paid, went to the NEXT payment 's CSO fees..not the principal. 

While signing my paperwork, I was shown the total amount paid *were I to go the entirety of the loan term ; I was shocked. I 'll have paid almost {$2000.00} on a {$500.00} loan. 

I assured the employee overseeing the agreement, of an early payoff. Twice. Any other lending institution would interpret that as 'a resolve to pay less in fees and interest '. My associate met that comment with silence. Twice. 

I see now why. Clarifying that an early payoff does little to diminish the original amount borrowed, probably is n't great for business. At best, Payday lending practices are exploitive and predatory. Installment loans however, are a new and vicious tool for wealth extraction, ensuring financial indentured servitude. 

I take responsibility for failing to comprehend the terms. I quite honestly lacked the imagination for a loan of this structure. I still find its legality unfathomable. We would imprison an individual for privately lending with these terms. And yet this industry loans with relative impunity?

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: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: POLARIS HOME FUNDING CORP
State: OH

Complaint narrative:
I worked with a loan officer name XXXX @ Polaris home funding group. He was helping me with my first mortgage loan but failed to disclose information to me that was part of the contract, such as dollar amounts. 3 days before closing I was told to sign the contract by his under writer XXXX and that I need to rush it and that the dollar amounts on the contract was n't correct but will be fixed by our closing date which was XX/XX/XXXX. I asked XXXX, XXXX and XXXX why are we waiting three days and they just stated we have to wait for things to go through and then questioned me if I was getting cold feet. They never mentioned the fact that I had those 3 days to resend with no penalties. XXXX and XXXX also told me a different amount that I would be paying for my mortgage before closing and at closing it was a higher amount. During this process I was rushed to sign paper work which I did read but did n't understand it and when I ask XXXX to explain to me he became very rude and told me that he was n't in the business to educate which left me to looking my questions up on the internet. XXXX bother XXXX was also my real estate agent who failed to explain anything to me as well and went alone with XXXX and suggested that I rush all signatures. I also had questions for XXXX about the home I was purchasing and he as well ignored my questions and stated he would get back with me but never did ... During the closing I was n't represented by anyone from Polaris and when I was signing the contract the information was different and when I called XXXX on speaker phone he again became very rude and stated that he changed the numbers to benefit me but failed to disclose any of that to me. XXXX then stated that I can just not close that day and threaten me and stated that I will have to pay more at the next closing if I did n't sign the contract. At that time the title representative advised me of my rights and the listing agent XXXX advised me that my real estate agent has n't been in contact with her about any of the questions that I needed answered. With that being said I signed the contract even though I was extremely upset because this was the worst experience I 've ever had and this happens to be my first home purchase. XXXX was withholding information to benefit him and his brother who happened to be my real estate agent. Polaris Home Funding group has agents that have unethical practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I get 2-4 calls a day from XXXX. I try to answer every time. I believe they are a debt collecting agency for XXXX. I have a current XXXX account. I have stated to them several times not to call me again. They continue to call and harass me. This is my cell phone number. How many times can I tell them to stop calling me? If I had an address for them, I would send them a written cease of communication notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: WI

Complaint narrative:
I recieved a phone call from the collection agency stating o owed {$500.00} from when i was in the hosp on XXXX for a XXXX.The only bill i ever got was for {$250.00} for the XXXX, which i paid.That was the ONLEY bill i got.All other bills were paid by XXXX XXXX or Va ( veterans adimistration ) .The last time i talked to the collection agency was XXXX when i was on vacation in Az , i told them i would be back home in XXXX and to send me a copy of the bill i owe but to this day i have NEVER recieved a bill from no one for that {$500.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and noticed a collection from Convergent Outsourcing. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Convergent Outsourcing in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

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
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
i have attempted to take care of this matter with this company who has listed a fax number that is operating with the number XXXX it is listed with the XXXX and i have a confirmation of the fax that has been sent to them outlining my social / drivers license / police report / id theft affidavit in previous complaints this information has been attached but this company has ignored the documents via previous submissions to consumer financial protection bureau and their OWN fax number ... ... .... at this point i am very concerned with their denial of the documents that have been sent and will possibly be seeking an investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
An account with XXXX was sent to collections and is now reporting to my credit report. Convergent Outsourcing Inc . This is the XXXX collection agency. At the time that I ended my services with XXXX I canceled my service and was n't under a contact. So there was n't an early termination fee. After the collection reported I called XXXX to inquire about the charges. The nice representative was n't able to give me much information and unable to send me a bill that stated what these charges were for. She did tell me that my account was now being handled by Convergent. XXXX was not able to verify this debt and the accrued charges AFTER I canceled my services. The Federal Trade Commision alleges that XXXX was billing and Cramming bogus charges to its customers. I believe I am a victim of this unfair practice. 

Without proper verification of debt and XXXX not being able to tell me exactly what these charges are for I am requesting that they remove stop all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: WV

Complaint narrative:
I had a credit card with Barclays XXXX, sometime last year they cancelled my card with no reason. At this point the payments had all been made. Since I chose " paperless billing '' I stopped receiving a bill in the mail. Shortly after my card was cancelled I called Barclays to let them know I needed a paper statement. They did not send me the statement. I contacted them again and just made the payment over the phone. Barclays took more money out of my account than I authorized. When I called them back to question this I was directed to a person I could not understand because they spoke broken XXXX. Since this time I have requested a paper bill so I could make my payment online and everytime I call they say they will send one but never do. At this point my payment is about 3 months late and I am trying to pay it but I can not trust them to take a payment over the phone and they will not send me a bill. I feel like they keep restricting my online access so I can not make the payment and this will happen. Also, last time I spoke with an account representative they insisted on asking my whole social security number, which I feel is suspicious.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-18 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
I have never had a XXXX account or any such entertainment provider. This appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 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: Harvard Collections, LLC
State: FL

Complaint narrative:
I have been contacted by " XXXX Collections '' on XXXX occasions within the past 2 weeks regarding a debt that is owed by someone named " XXXX '', who I do not know. I have told this company XXXX already that I do n't know anyone named " XXXX '' and to stop calling me about " XXXX '' debt. The phone number for " XXXX Collections '' is XXXX.

Company response to consumer: Closed with non-monetary relief