vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Action Collection Agencies, Inc.
State: PA

Complaint narrative:
Received XXXX letters from Action Collection Agency XXXX XXXX regarding a " debt '' from my XXXX. Upon calling the first time, with my insurance provider, they could not verify the correct amount for the claimed date of service or any other details of the debt. After this initial call ( no payment ), I called the provider and verified the date of service, amount, and received an itemized bill showing I had a zero balance. I also have my insurance 's explanation of benefits showing the payment posting directly to my provider. 

Today XXXX XXXX XXXX, 2016 XXXX, I called ACA back to verify the debt and spoke with several different people, each having to " check '' with a supervisor about basic information including a license number, the company address, requesting a verification letter, and the discrepancy in amount being collected. No one had any information and I was told my letter would be sent in 30 days ( when by law it should be sent in XXXX ). 

Throughout this process, each person I spoke to was belligerent, refused to listen, and kept changing their story. At XXXX point the " supervisor '' XXXX XXXX XXXX ID # XXXX ) told me the account had an " XXXX on the bill and when I asked how did he have the bill, he said he knows the insurance paid a portion of the claim. How could this be on the " bill '' with XXXX in place.

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 2015-09-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On Friday, XXXX XXXX, 2015, at XXXX, I was on the phone with USAA Bill Pay Department speaking with a representative by the name of XXXX. When I filed for bankruptcy, USAA shut down all access to their website and services and only allowed me the ability to access to my account via mobile application. I was calling to see if it was possible to regain access to by Bill Pay so I could pay my bills again. 

XXXX stated the restrictions were put into place because I had a credit card which was included in the bankruptcy. She will transfer to the credit card department to pay my bill and then the restrictions will be removed. When I said excuse me, she against stated that when I my credit card debt, the restrictions against my bank accounts will be lifted and I can become a " normal '' customer again. I informed her what she stated to me was very illegal ; that the debt was discharged in a BK and she can not collect on a debt that was involved in a BK and she can not promise me things that will not happen. I then asked if the phone calls are being recorded and she stammered out a few answers before I was able to be transferred. 

I was eventually transferred to an Executive Resolution Specialist, advised the Rep was in violation of the BK discharge and FCDPA ( false/misleading representation/unfair practices by stating restrictions would be removed when they would not, did not notify me they were collecting a debt and trying to collect a BK discharged debt ). The executive resolution specialist first asked what I was looking for in compensation, which I stated I was only trying to determine if the restrictions could be removed from my bank accounts. The Specialist informed me the restrictions on the bank account could be removed if the BK had been discharged, which had been in XX/XX/2015. After XXXX mins on the phone, I was advised the restrictions would NOT be removed and even though the debt was discharged in a BK and XXXX committed violations against FDCPA, they were sorry for her behavior. Prior to this statement, which resulted in my stating I would file a report with the CFPB and contact my BK attorney, I was advised all calls were recorded, was questioned as to why I wanted to know that information and what would the information be used for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAA charge off both home equity loans XXXX in XXXX XXXX. And most recent XXXX XXXX all payments have been maid and are up to date

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 2015-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
My wife and I found a home we loved,, which was listed for {$410000.00}. I called USAA, and we were pre-approved to borrow XXXX percent of a purchase price up to {$410000.00} ( loan amount up to {$420000.00}. ) Based on that representation, we entered into a contract to purchase the home for {$410000.00}. 

About a week after we submitted our package of paperwork and ratified contract, a USAA representative contact us and informed us that the underwriters now required a down payment of approximately {$25000.00}. We agreed. 

A day after our contracted closing date ( scheduling and timely communication were issues throughout this process ) USAA contacted us and informed us that the underwriters now required a down payment of approximately {$50000.00}. Past schedule to move into a home we had already set our hearts on, we agreed. 

I do not recall receiving a Good Faith Estimate, but at closing, the numbers used by USAA on the HUD forms as a Good Faith Estimate were about 15 percent different than the final terms. Again pushed further down the road, we again agreed to modified terms. 

USAA later sent us a check for about {$500.00} to bring the difference between their estimate and the closing numbers closer together. The letter blamed the large difference on a " clerical error, '' but contained no substantive explanation. 

I understand some numbers my change as this type of transaction finalizes, but we were sold a loan with zero percent down, than accepted a loan with six percent down, and then were finally pushed into a loan with twelve percent down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Credit card has been denied on multiple recent occasions, and caused me to incur a {$10.00} fee with my gym for a failed monthly payment, likely due to issues with the bank 's conversion of my XXXX credit card account to a XXXX card account. My XXXX credit card ( " MC '' ) has been denied multiple times recently though the bank 's representative I called and spoke with on Monday, XXXX XXXX, confirmed that I was not delinquent ; she said the payments had apparently been declined for incorrect expiration date submissions. She confirmed the expiration date on my XXXX was the correct XXXX on file. I explained that my gym notified me that the monthly gym membership fee ( which the gym has been deducting on the XXXX of every month for over a year from my MC using the same card number and expiration date ) had been rejected and assessed me a {$10.00} fee and that other payments had also been rejected recently, including a payment for an XXXX purchase ( prior to the recent rejection XXXX had successfully processed payments using the stored MC information on multiple occasions ). I suggested that the payments had been rejected due to credit card conversion issues at USAA : my MC credit card account is being converted to a XXXX credit card. I 've been issued a new XXXX card and was told the XXXX would be good until late XXXX, but several payments have been rejected well before the disclosed cut-off date. The agent said all she could see in the system was the reason for rejection of my payments for incorrect expiration date. I asked to lodge a complaint with USAA since I was concerned my issue could signify a more systemic issue with the credit card conversion but the agent said all she could do was make a note on my account. So far as I know, I have only incurred a single {$10.00} fee from my gym and merely suffered inconveniences for other denied payments, though other consumers may have endured more significant harms.

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 2017-01-24 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: NH

Complaint narrative:
I made a payment of {$24.00} to Diversified Consultants on/around XXXX/XXXX/XXXX over the phone. No action was taken until XXXX/XXXX/XXXX when they withdrew {$630.00} from my XXXX XXXX XXXX Bank account resulting in my account going negative and accruing an additional {$30.00} fee from the bank. When I called Diversified Consultants and asked for a refund they declined with hostile treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I have XXXX unauthorized transactions on my account and I called the bank immediate ( the next day after the transactions were posted ). The bank told me that they will investigate that and will contact me within 48 hours. however, they never contacted me and I have to call them back and I was transferred XXXX times and still got no resolution. I got a feeling they try to ignore me and made it as hard as possible to let me get my money back. I am very frustrated and I am closing my account with them once I have my money back.

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 2016-06-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USSA has a CD in the amount of {$3000.00}. Which secures an XXXX XXXX Credit Card. Once again I have made a payment of {$2300.00} which cleared the account that on XXXX XXXX, 2016, posted to the USAA account on XXXX XXXX, 2016 but still not showing in the available credit. The reasons stated for payments to be held by USAA are account bring over the limit, account being delinquent, account receiving multiple payments, account delinquent, account over the limit, payment amount history over the limit and or payment returned. I wanted to know which category this account falls into and I was told multiple payments in a short period of time. So my question was you do not want the payment, but prefer that the account goes over the limit, or become delinquent? XXXX then told me that the payment would post at midnight tonight. I asked to speak to someone in the XXXX. I was transferred to XXXX who told me that over the last 6 months the payments have been held. I explained to XXXX that I had filed a complaint with the Consumer Financial Protection Bureau and in fact that the payments had posted to the account in XXXX and XXXX of 2016. In addition, the same office he sits in placed a call to the XXXX XXXX XXXX XXXX and confirmed the XXXX payment had in fact cleared the account. That day it was stated the additional payments would clear for three months. But we are here again. A payment of {$270.00} and {$500.00} plus was credited to this account during this very time period. 
When a financial institution can hold payments for all the reasons listed above but none apply to the account in question, and the person reading the notes on the account can disavow the actual transactions in which have taken place leaves questions as to the validity of the account payments being held. I am questioning that validity. 
Additionally, I also have auto insurance with this same company but in the last 6 months, I have had to call XXXX and had to wait for 3 hours each time. I pay the insurance but could not obtain the services in the initial time told ( 30 minutes ) to be towed. 
This is a company that projects its services to Veterans, but to what extent are they providing the services they advertise?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I was given misinformation by one representative on when my grace period would start based on when FedLoan Servicing receives the letter of separation about my graduation from my university. I had graduated in XXXX XXXX, 2016 and made a call XXXX XXXX, 2016 to confirm the status of my grace period. I told the representative that I had just graduated but that my FedLoan account still showed that I was enrolled so I was not sure when my grace period would start and that I would be accruing interest. The representative was sure that the grace period would start the day my school sends them the letter of separation, not the day I graduate. She gave an example in which FedLoan receives the letter in XXXX : the grace period would then start XXXX and I would have six months from XXXX before repayment. This information was wrong and it turns out that interest has been accruing since XXXX XXXX without my notice since I believed I would be charged interest from the day FedLoan receives the letter. I trusted that as my student loan servicer, FedLoan Servicing would provide me the correct information but that was wrong and I now bear the cost of their misinformation. I thought that as a student loan servicer, FedLoan 's information would be the most up-to-date, especially because I was still showing to be enrolled on FedLoan 's online portal. I wanted to make sure that my grace period has not started and was told that it did not. Customer service was not helpful about remedying the mistake, which was made with the wrong information. I can not believe they are still allowed to be a student loan servicer when they obviously do not care about the students they service and do not own up to their mistake. How is this allowed when you deal with so many students asking similar questions and you are giving out the wrong information? FedLoan Servicing should not be allowed to handle student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 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: WA

Complaint narrative:
Debt collector is attempting to collect a debt which is being disputed to the original company. 

I have never received a written explanation and description of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rose & Associates, LLC.
State: VA

Complaint narrative:
I received a Call a from Rose and Associate, phone number XXXX. They said they called to go employment verification on behalf of an attorney hired by XXXX to collect debt. I call Rose and Associates back and they never provided any information. They hang up everytime I call. 
I do not have any account with XXXX and accoring to Rose and Associates its from 2008. It has already passes statue of limitation for, State of XXXX. No such credit account shows up on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I was customer with T mobile # XXXX XXXX promised to get a discount thru my company XXXX. OF XXXX % OF MY BILL .on the first year they granted, and the following they ask for probe that if I was still employ by the company I fax even my Pay stub and Denied .they did n't apply the discount .the bill came higher finally the block the phone .and they send me to Collection Agency before they came with amount of XXXX and I ask to explain why and if was possible to please mail detail letter with all the charges. And then told me not they will bring to over {$2000.00}. Because they argue the phone need insurance that I have never requested by the time they do suspension I owe them around {$500.00} for XXXX Telephone. 

Them I was paying thru XXXX XXXX XXXX .but they stop taking the payment next thing is they will put a lawyer. is not my fault that no one know who is collecting the money. 

And I really need help .I 'm willing to pay what is right .I ca n't pay for something I did not ask for I feel been Assault. By this Company. 

I do have all the Papers with the denial about my discount 's iknow for sure I do n't owe over $ XXXX.and to find out who authorize Insurance on phone. 

Please SOS WITH Companies Thanks in Advance. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 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: FL

Complaint narrative:
I transferred cell phone service from one provider to another. The new provider was to reimburse the money and can pay the outstanding balance to the previous provider. I made payment arrangements with XXXX and was paying the arrangements. After I made my last payment to XXXX, I started to get calls consistently from Diversified Consultants XXXX. They were rude, I explained to them I had no debt and had pay XXXX off. They told me I was lying and the debt needed to be paid. I even called XXXX and asked them to make this collection agency stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I just received a new loan through LoanDepot. I 'm having trouble setting up an online account, as I want to pay beyond my minimum but i want to make sure I can set it up as additional principle. 

The web site wo n't let me register for an online account, and there is no phone number to talk to anyone directly. I emailed, and I got a response they needed more information - I do n't feel very comfortable sending my loan # and last XXXX of a social over email, but they wo n't communicate with me unless I do so. I 'm told 24 hour turn around. 

1 week later, I get an apology email for +24 hours to communicate, and then a " You can talk to us better if you click on email account rep in your loan account. '' But I ca n't get online. How do I communicate with a bank that communicates only online if I can not get online? 

I 'd love for mortgages to be like ANY other industry, where I can take my business elsewhere, if they 'll have me. I have perfect credit, I pay on time, and now I 'm stuck with this loan company? I do n't even know how to move forward with them. I obviously paid my first month through checking, but I like being sure my payments were received well before my payment date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
They closed our savings account down no explanation and we reached our forever. Finally sent 15 day demand letter in XXXX 2015 which they refused to respond to, even though ceo XXXX XXXX promised. This is a very dangerous company and needs to be red alterted to all government officials federal and state. They are disgustingly terrifying and worst customer service in the world. This is not a maybe but a fact, the most lethal consumer XXXX company ever. They destroy their own for a nickel. Of course they are gon na keep sending dates that they responsed to consumerfinance.gov but those are just trees to cover their deception, they do not want to pay out what they owe after almost 5 years of illegal savings account, checking account, credit card, debit card, personal loan, auto, renters and then some, the worst CREDIT REPORTING ME when I Was only an authorized user. This company is junk.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I receive my new capital one credit card. Call to activate the card Capital One representative said that security number did not match up. I feel this is a system error po I feel this is a system error in Capital One part. At this credit card for years now with certain there 's a problem with the Social Security number I was forced to close my account with Capital One customer service reps and very rude and disrespectful. But I just recently purchased a car bissell capital one bill my credit report. it for them to say that my so security number his name is ludicrousThank you Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
Received a phone call from XXXX XXXX CA phone number XXXX XXXX XXXX XXXX. Caller asked who I was, I never stated I asked " May I ask who is calling '' the caller stated they where a debt collector and asked to verify my address. The caller stated an old address I no longer lived at. The caller stated only the numbers and street and ask me to verify the city and state. So i verified the city and state, they caller then told me that I had a past due Balance of {$580.00} with XXXX. I told the caller I never had XXXX service I have XXXX they caller then stated " Oh I 'm sorry then my mistake '' then hung up the phone.

Company response to consumer: Closed with explanation