vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited my paycheck from my new job at a Chase ATM on a Friday XXXX/XXXX/15 before bank opening. The receipt said it would be available on Tuesday XXXX/XXXX/15 XXXX days. 
On the morning of Tuesday XXXX/XXXX/15, the hold was lifted, but I received another email stating there is a new hold by the fraud department that will be in place until XXXX/XXXX/15 ( XXXX days, XXXX days from the date of deposit ). 
I called and the agent said the issuing bank has a policy of not verifying checks over the phone. 
I talked to my boss, she said the check cleared from the corporate account on Monday XXXX/XXXX/15. 
I called an agent again, she told me that the only way to get my funds released was to:1 ) Take my boss with me to a Chase branch2 ) Both of us show XXXX forms of ID3 ) My boss show the teller her access to online banking at the issuing bank with the cleared check. 

I recently graduated from an XXXX program. I have been a single mom on XXXX most of my life. I am not making too much money for my XXXX and XXXX benefits and I will be out of food, unable to pay my bills, and unable to get to work if I can not get these funds sooner. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
Soon after I filed for Bankruptcy, I was denied full access to the USAA website with the words " According to our records you filed bankruptcy and we can not collect certain debts. To obtain access to your existing accounts you may log on by clicking proceed below. '' Printed in red every time I attempt to log in. 
I am then redirected to a stripped down version of the website, basically a mobile site, with my full account information including full account numbers visible to the public when I check on my existing accounts. 
They claim, they do this to limit the possible chance of USAA accidentally extending further credit to those who filed bankruptcy. I call that a lack of professionalism and they make their members pay for USAA 's inability to perform a minor task as USAA can accurately access any current or future member 's credit worthiness via the credit reports, as that is what they are used for ; they do not need to limit access and further humiliate their membership in such a way and continued practice will result in Discrimination charges against USAA. As they seem to be punishing anyone for falling on financial hardship and not being able to pay their debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 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: OR

Complaint narrative:
I was contacted once on XXXX/XXXX/XXXX by Diversified Collections Inc about a debt of {$98.00} that I do not owe. Supposedly the company that they told me i owed the debt was XXXX XXXX. I cancelled my account with XXXX on XXXX/XXXX/XXXX and they still billed me for XXXX XXXX which i paid on XXXX/XXXX/XXXX for {$31.00} I have called XXXX and they have not replied to my phone calls. I have already overpaid them {$31.00} for XXXX service they billed me which I didnt have. I need this to be taken further and taken off my credit report. -- Thank you very much-

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I applied for loan to purchase a home from a mortgage company calls : XXXX. I submitted all the documents and information that they requested from me and my wife to apply for this loan. All the info. and docs. submitted to them by us were 100 % true and accurate. They approved me for a loan and provided me with the pre-approval letter, and they told me go a head and shop for a home. I hired a realtor and we found a house that we liked it and fit our budget. We met the realtor in the dream home to sing the papers and give him the certify check for the title meanwhile, my XXXX children planning how to furnish their room, at this memorable moment, I received a phone call from the company " XXXX '' telling us sorry we can not have a ( FHA ) loan until XXXX XXXX 2015. It is hard to describe the shock especially, in my wife. Those people they create a fake joy for people and take it from them by a just tiny word : sorry. I believe this is so wrong and needs to stop immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified Consultants, Inc. is repeatedly contacting me on my cell phone as well as my daughter 's cell phone to attempt to collect a debt from XXXX XXXX XXXX. They have contacted me XXXX times since XXXX XXXX, 2015, so far from XXXX different telephone numbers ; XXXX calls in the last week alone from the following phone numbers : XXXX ( XXXX times ), XXXX ( XXXX times ) and XXXX ( XXXX time ). They called me XXXX times in XXXX day from the first XXXX phone numbers. I have explained that I began making my payments and will continue to do so. They continue to call, one representative trying to persuade me to make a larger payment. I am XXXX, on a fixed income and can make small payments on this debt. I tried to get a resolution with XXXX XXXX XXXX ( over the phone and by email ) before it went to collections but I did not receive a response from them. These harassing phone calls are XXXX me, causing me to have XXXX XXXX in the past week. I would like them to stop calling me and simply bill me and I will continue to make the payments monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
When I switched to XXXX from XXXX I was not told that they are an affiliate of them, I was n't told that I would have to pay the final bill in order to get service. I was only told that I could n't get a free phone because I switched from XXXX. They stated that when ypu sign up with them they pay your last bill from whatever company you come from. I was sent mail from XXXX for the amount of the bill and it has then been sent to diversified solutions for collections. They call at least three times everyday

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
I applied for a credit card and was accepted from usaa. they sent me a welcomepack and I recived a bill shortly after. I do all my banking online so I tried to pay the bill right away. they told me I could not hat they needed more information so I sent them morewas told that was good and I should get a reply within 2 to 3 business days never did get a reply so I contacted them again. they told me they needed more info so I sent them more and they told me that they would get back to me in 2 to 3 business days they never did. I got another bill in the mail plus emails on my computer called them up and they told me the last info I sent them was n't right so I explained what I sent them and was told that it would work and they would get back a hold of me in 2 to 3 business days and that I would be able to pay the bill at that time i waited to here back from them never did and contacted them again. they told me the info was not good enough and I had to send more information. I at this point told them to forget it and take me out of there system.they toldme okay and I would recive conformation in two to 3 buissness day in I never did after numorous calls and complaints I am still in there system they turned this into the credit agency during this whole process and it shows as a unpaid bill it has lowerd my credit score enough that ino longer qualify for the home loan i was getting I had a XXXX before all this its now down to a XXXX I needed a XXXX and every thing was fine. so I am stuck staying at a friends house because of a card that I never seen had or used and being forced into getting checks to pay them for something I do n't have they said the only way I can pay for this bill for a card I do n't have and never had is to get checks and mail it to them I am totally frustaited with this hole thing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
I canceled my cell phone service with XXXX because they misrepresented a feature they offer they said for a additional {$10.00} a month I can have service without borders in XXXX and XXXX I accepted and paid {$10.00} every month a year later they said I violated a term then they said the phone that was using this feature was costing them to much money so they were going to turn it off so when they turned it off I changed providers I was under no contract with them so when I received their final bill I established a payment arrangement they agreed I made a payment and they still sent my balance to a collection agency there was a payment arrangement in place??? hope you can help 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 2015-08-20 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Delray Capital, LLC
State: AZ

Complaint narrative:
XXXX XXXX stated that they were attorneys trying to collect on a payday loan. They also disclosed the debt without verifying they had the correct party. I had lost my job and did not have any money to put anything on file. Told them on XXXX call that I could put something on file but that it would have to be for a month out as I just started a job. They wanted me to call back and put {$100.00} on file. The first representative was very rude and harassing. I felt very worried about how I was being treated. It was the first time I had talked to anyone from there. I did not refuse to pay but they are trying to submit me for legal action. I was told that they were working for attorneys but I have never heard from the office that owns the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I tendered instrument to satisfy my loan on two occasions verified my USPS mailed and delivered the payment Spoke with HYUNDAI and confirmed they will track my payment and removed repo They refused to send anything in writting They stated it 's against their companies policy to provide " communication '' via mail. 

This morning someone came onto my private property and stole my vehicle. Left no identification nor did they leave any paperwork. 

I called Hyundai and they said I was a debtor and not a creditor. They also stated that they did not receive the payment which was a lie. They said take it up with the post office ... 

ACCORDING TO THE 9-102. : 3 ) " Account debtor '' means a person obligated on an account, chattel paper, or general intangible. The term does not include persons obligated to pay a negotiable instrument, even if the instrument constitutes part of chattel paper. 


( 28 ) " Debtor '' means : ( A ) a person having an interest, other than a security interest or other lien, in the collateral, whether or not the person is an obligor ; ( B ) a seller of accounts, chattel paper, payment intangibles, or promissory notes ; or ( C ) a consignee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
My monthly payment was XXXX days late ; spoke to them onday XXXX and day XXXX that payment would be made on XXXX/XXXX/15. Advice unable to verify at moment but would take care of payment. I received a call Tuesday XXXX XXXX, Wednesday XXXX XXXX. I received XXXX calls after speaking with them on Tuesday and Wednesday, I advise them not to call me by phone anymore they were not to call me back after payment arrangements the rep said she would call me as much as they wanted to ... previous reps did n't promise account or note it. They could call as much as they wanted. I received call on XXXX/XXXX/15 @ XXXX and XXXX and XXXX on my home number. Before hanging up I advised of a cease and desist on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES
State: DE

Complaint narrative:
I have a mortgage with Provident Funding. I made an online payment and I entered my account number wrong by one digit which I did not know until I asked them to verifiy what I entered. I called to find out why my payment was not processed and no one could help me correct the issue. The 3 people I spoke with told me I had to wait for an email before it could be corrected ( including 2 supervisors ) and I was going to be charged an NSF fee because it 's my fault not Provident Fundings. This is not a matter of NSF, I entered an incorrect account number by mistake ... .the 1st time in 9 years!! Everyone that I spoke with at Provident was SMUG, XXXX and showed not one bit of EMPATHY. I do n't see how they have any customers ... ..I am actively looking now to finally refinance. I guess I should send them a thank you card for being just as rude as can be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LD Holdings Group, LLC
State: NV

Complaint narrative:
Erroneous credit reporting on my credit report and that of my wife. XX/XX/XXXX my wife and I filed a BK XXXX and concurrently were in a loan modification that was later approved. I am trying to use my VA loan for a home only to be told that we are shown as making late payments from XX/XX/XXXX until later in that same year roughly XX/XX/XXXX I believe. This is after the BK XXXX. We did everything and never made late payments but are being told that although we were paying as instructed on the modification we are still considered making late payments which is unfair to us. What would have been the sense of saving our house if we knew we would have known the lender was reporting our payments as late through our modification agreement. I have more to add but hopefully will be able to get the negative remarks off of our credit reports. I am a Veteran and feel slighted with this action. Thank you XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TH Professional & Medical Collections LTD
State: IL

Complaint narrative:
The debt collector sued me in circuit court and I filed an appearance and a trial date was set. While I was away the debt collector sent my wife a summons to appear for the same case and when she did not appear - the debt collector asked for and received a default judgement that I successfully got vacated. 

This debt originated from unpaid medical claims by an insurance company and I had to enlist the aid of the Illinois Insurance Commissioner to compel them to pay the claims. This took over a year but the insurance company paid on the claims. The judgement amount the debt collector sought to get from the default judgement did not take into account the payments made by the insurance company even though they were aware of the payments that were made. When asked about the payments the debt collector stated " I have a judgement '' ; however the judge vacated that judgement and the judgement amount was reduced. Has I not sought to have the judgement vacated the debt collector would have sought to collect the entire amount of the judgement knowing that at least half the amount they were seeking had been paid already by the insurance company. 

The debt collector verbally agreed to a payment agreement but sent a form - not filed in the court too late for me to comply with the terms of the agreement. The debt collector then filed the agreement with the court 5 days after the payment was due and then filed a Wage Deduction Notice with the court and sent a copy to an employer that I have contractual relationships with damaging my professional reputation. I am now in the process of disputing the wage attachment, but the damage has been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
The debt in question is from XXXX XXXX. They sold the debt to Diversified Consultant Incorporated. This debt was settled by XXXX XXXX ph # XXXX in which correspondence was mailed to me advising the money paid satisfied the debt in full. I am now receiving a statement from XXXX XXXX on behalf of Direct TV for the amount that was supposed to be adjusted due to the settlement. I have in my possession all correspondence. Additionally I have contacted XXXX XXXX where they have advised they do not know who Diversified Consultant Incorporated is. Please advise where I can submit this documentation in order to support their falsified documentation in order to support their falsified settlement. The balance they are trying to recover is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I am only allowed to have mobile access to my accounts with USAA. I am not allowed to have the access to the member benefits of a USAA member because I have a Charge Off Foreclosure. I requested XXXX modifications with them prior to and after my retirement from the military. They told me that I make to much and am not behind so I do not qualify for modification. Then after retirement I filed for modification and they told me I was not delinquent so I went delinquent on my payments and then refiled modification and was told I do not make enough money and I was delinquent on my account and do not qualify for modification. Now after auction, foreclosure and charge off 5 years after the fact there is no set time frame for them to punish me and not allow me the privilege and benefits of membership that others get. I was told today that they do not have a set time frame in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: MA

Complaint narrative:
I have been dealing with my mortgage company, XXXX XXXX since they bought my mortgage in XX/XX/XXXX. They are supposed to take care of my property taxes. My property taxes are $ XXXX/year after residential exemption. However, they keep charging me {$2700.00} per year. I have contacted them via phone and FAX to ask them to reduce property tax withdrawals from my account to their escrow account, however, they simply ignore my request. Right now, I have {$1800.00} in my escrow even though I do n't owe any taxes for XX/XX/XXXX! And, XXXX XXXX ignores my request to return this money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I have a credit card fraud few years ago, which is {$550.00} from my XXXX credit card, and the transaction was with XXXX XXXX. Finally the issue was resolved by the bank and XXXX, and the money was refunded. 

On XXXX 2015, I saw in my XXXX credit report, there is a collection from a third party collection company " XXXX '', with {$550.00} amount, stating XXXX. I worked with my bank and the collection agency and finally resolved after few weeks painful work. It was finally removed. 

On early XXXX 2015, I noticed the collection is back to my credit report again with a different collection agency " Diversified Consultant '', on my XXXX reports. 

It 's been ridiculous, and it 's extremely painful to work with XXXX XXXX and the collection agencies, since I was never a customer of this company, and each time I contact XXXX, customer rep always states I was not a customer, and they do n't have my info. And collection agency always ask me to get info from XXXX XXXX. 

It 's illegal to collect a debt that I do n't owe ( and resolved by bank and debt owner few years ago ), and repeatedly show up in my credit report with different collection agencies.

Company response to consumer: Closed with explanation