vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
On XX/XX/2016, USAA bank restricted my access to my bank accounts. The bank subsequently closed my accounts. Over the course of the past 5 months I have spoken with the bank over 29 phone calls. 

The bank has approximately {$13000.00} of my money. The bank has repetedly refused to return my money to me. They have held it from me for 5 months. Further, since the bank restricted my access to my accounts, they have not provided me monthly account statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 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: CA

Complaint narrative:
I had an account with XXXX XXXX XXXX and I asked them for XXXX for TV service. There was no XXXX in my area, so XXXX XXXX XXXX had a deal with XXXX and that 's what XXXX XXXX XXXX gave me. My payments went to who I had a contract with, never paid anyone but XXXX XXXX XXXX and paid in full. Never had credit card, check, or money exchanges with XXXX because I had no account with XXXX. I left XXXX XXXX XXXX, now XXXX tells me I canceled early, and I owe money. I was never with them. I never had a contract with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On the XXXX I submitted a request for Asset Verification. 
I sent USAA blank form I needed by XX/XX/XXXX since I was going to move. No AVF no keys Since then : Did not fax as promised. Called said they lost it and resubmit Called. No one had any idea. ON rep said it did not exist, yet I had it in my hand Called. Rep said she found it and nothing was ever sent to me or manager at XXXX XXXX. 
While I was on phone. Was told the document was in my USAA email Guess what? Not there Called again. Resubmitted form again ( about 7 times by now ). They said they could not find it Was promised by agent yesterday ( XX/XX/XXXX ) that I would have it today since this is the first and need to get my keys for new apartment I am stuck here with an apartment full of boxes with no where to go. 
To make a long story short. They lied on several occasions, lost my documents many times, and are just total incompetent. Are they under new management or when they get you money the basic policy is XXXX. On top of it all they know I have XXXX. Not helpling with this XXXX Thank You XXXX XXXX XXXX

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 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
USAA XXXX account still reflects XXXX late payments and XXXX unauthorized hard inquiry 's. This was said to be removed from my report. Nothing I seem to do will remedy the impact this still holds for my still developing credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I have an unresolved credit card dispute with USAA regarding a fraudulent transaction from XXXX XXXX XXXX XXXX in the amount of {$360.00}. In spite of documentation supporting my position that XXXX a refund in full, USAA is still billing me in spite of my best efforts to resolve the matter on the phone and on line.

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 2016-12-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX 2 transfer adjustments of XXXX were made to my account, increasing the amount owed on the card XXXX. There was no reason for these adjustments, I believe they stem from a fraudulent charge made to my account in XXXX of this year. The fraudulent charge had been transferred from the credit card it was made on to this account. I called the credit card company and they corrected it. Not long after, they made another transfer adjustment to my account. Again, I called and it was corrected. 
On XX/XX/XXXX they did the same transfer adjustment, twice. I have called 5 times over the last 6 weeks and have been assured that it would be corrected. It has not. I am contacting you because it now seems clear that USAA is unwilling to correct their error,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA recently elected to unilaterally change their credit card service provider from XXXX to XXXX claiming the user base would see no difference in terms. As husband and wife, we have had for some time XXXX card number and account with joint authorized use and yet individual names on the cards. Now USAA, without approval or authorization from the card user, is reissuing separate cards with separate numbers for each card user while claiming the cards ' multiple card numbers are changed but it is all within the same account. No effort was made to acquire or request agreement or authorization from the member or spouse prior to issuing the new card and specifically now XXXX with separate, individual numbers. We believe this constitutes issuing a new credit card without the user 's approval or agreement. Upon calling and speaking with Sr. account representatives, USAA has told us we have no other choice but for individual cards to have separate numbers if we want both parties to have authorized card account use. They also admitted it is, at least in part, using separate numbers to enable the tracking of credit card spending and subsequent marketing use information. This supposedly is all for the user 's protection. It is worth noting that the billing documents already reflect separate card numbers and XXXX charges while the XXXX cards have as yet not even been activated. This makes it impossible to track and confirm our own expenditures and card use without having to call USAA and ask questions specific to the charges. We believe the individual card numbers being issued absent user agreement or approval is at least unethical and perhaps illegal. We also feel it is a deliberate marketing ploy to enable XXXX, USAA or whomever to use this as an opportunity to wantonly solicit the unique cardholder against our interests or wishes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
The lender negligently failed to pay city taxes from my escrow account. Unknown to me, a tax lien was filed against my home and has now been sold to a third party. The mortgage company has stubbornly refused to deal with the situation, which arose in XXXX 2015. They respond only upon a threat of regulatory intervention, and then only to say the matter is " under study. '' Meanwhile my credit has been seriously harmed, and my home is at risk. All documentation has been provided to the lender, Loan Depot.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
The lender iMortgage provided false information on my FHA loan ( 5 year ARM ) which was closed last XXXX XXXX. I was told that I would get the balance of the upfront PMI refunded when I do a refi. The upfront PMI was {$7600.00} for 3 years and I would get the remaining balance refunded depending on when the refi is done. That did not happen. 

I was in the process of applying for the refi with a different lender in XXXX this year ( XXXX ) when I decided to check again with iMortgage and they confirmed that I would get the refund. I also asked them if i had to refi into another FHA loan in order to get the refund and they said I did not, it was not a requirement. I of course trusted their knowledge of the loan rules, regulations, programs and whatnot, so I went with a 30 year fixed conventional. Since iMortgage assured me of the upfront PMI refund from HUD, which would have been a little over $ XXXX, I decided to buy down points on the refi. The buy down costed me about $ XXXX. 

After months of not seeing anything from HUD, I asked iMortgage again and they assured me that it was coming soon. It was not until this XXXX XXXX that I XXXX around and found the contact number for HUD and called them. HUD informed me that the refund program had ended on XXXX XXXX, XXXX, and in order to get a refund after that date, it is required that the refi is with another FHA loan. I then emailed iMortgage on XXXX XXXX asking for explanation and what options I may have, but have not received a response since. 

If I had known the upfront PMI is not refundable I would have gone with other options and for sure would have not bought down points on the refi, or even look into refinancing another FHA loan. We have been saving every penny for this house and had budgeted with the refund in mind, so now we are out $ XXXX really hurts. I have all the email conversations with iMortgage regarding the upfront PMI refund saved and ready to provide as proof. 

Please let us know what options we have. Your assistance is greatly appreciated. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
I owed a balance to USAA. I filed for bankruptcy and included the balances, even though I paid them off after the bankruptcy was discharged. They put on the XXXX XXXX list and i have not been able to open a checking account because of them black listing me. I have paid everything owed to them even though I was not responsible for paying them back since they were discharged, They said that they will keep me on there since I filed for chapter XXXX for 7 years.

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 2016-02-17 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: AZ

Complaint narrative:
My XXXX account was transferred to Diversified Consultants Inc and when I received notice of this, I immediately paid in full and was assured it would not hit my credit report. Months later, I noticed an open balance on my credit report for an amount I did not owe. I reached out to DCI and they told me it was an error on their end and they would update the records for the credit bureaus. Recently, I noticed it is still on my credit report so I submitted a dispute to XXXX and they notified me that DCI claims the debt is mine, however, when I call DCI they tell me my account was paid in full and they are reviewing the issue. They continue to prolong the dispute and nothing has been resolved. In addition, their customer service is terrible and they are very rude when I call to request a status update. One of the representatives would not even let me talk and kept interrupting me and being disrespectful. It is frustrating that this error is affecting my credit and DCI is not being helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Advance America, Cash Advance Centers, Inc.
State: OK

Complaint narrative:
Received a letter which upon first glance appears to be from a Court of Law.

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 2015-11-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Carma Enterprises Inc
State: NV

Complaint narrative:
Keep calling my job and I keep telling them I can get fires for them calling

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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: OH

Complaint narrative:
I have received several calls in the past XXXX weeks from a debt collection company call Diversified Consultants Inc. XXXX XXXX. I was contacted concerning a {$340.00} debt in XX/XX/XXXX with XXXX. I was told that the debt was given to Diversified Consultants Inc. by XXXX ( another debt collections agency ) on XX/XX/XXXX. I was also told " XXXX did n't have a phone number to XXXX but I can XXXX them ''. XXXX of the people I talked with at Diversified Consultant XXXX was XXXX. XXXX demanded that I either " pay my debt or dispute it ''. I explained several times to XXXX that I already disputed the bill and it was removed from my credit a few years ago because in XX/XX/XXXX XXXX was charging their bills in advance without notifying us as customers. I requested that I be transferred XXXX to ensure this wo n't be an issues going forward since its been 11 years but, was refused my request. I did google XXXX and found their phone number XXXX. I talked to an operator who then transferred me to someone in " consumer credit '' named XXXX. XXXX did n't know how to help me either and ended transferring me back to Diversified without any solution to my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I have made many advance payments on this loan, but they were incorrectly allocated. A Letter was sent to verify the accuracy of this debt but has not been responded to. I am requesting a full accounting of all payments made, copies of checks forward and back. The documents requested and answers to questions are needed to ensure the following. 

~ That our loan has properly been credited, debited, adjusted amortized and charged correctly, that interest and principle have been properly calculated and applied to my loan, that my principle balance has been properly calculated and accounted for and that no charges, fees or expenses that I am not contractually bound to pay have been charged on my account. 

In order to validate this debt and audit my account, I need copies of pertinent documents to be provided and answers in writing to various servicing questions to be sent to me at the address listed on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
I received a notice from XXXX XXXX XXXX membership that a collection was placed on my report for XXXX dollars from Deversified Consultants XXXX, XXXX XXXX XXXX XXXX. XXXX Fl. XXXX. I received this notice XXXX XXXX 2015. I have never heard of these people and have never received a letter fron them verifying a debt nor amount or notice of my rights to dispute. Iam simple put in collection without any communication attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MB FINANCIAL, INC.
State: IL

Complaint narrative:
I had a mortgage with XXXX, which was acquired by MB Financial Bank shortly after. My wife and I purchased another house closer to work some time later, but we continued to pay our escrow mortgage on the first house until we could sell it. Fast forward 2 years and we have found a buyer for our first property, but to our dismay, it had been burglarized one weekend. I called our insurance company ( after the police of course ) to start a claim, only to find that we did n't have insurance any more with them because the account had been closed " due to non-payment ''. I called MB Financial and they said that the insurance was dropped without a reason so they decided to take insurance out on the house themselves ( I still do n't know the name of this provider ) but of course, the plan did n't include personal property coverage like the insurance I had purchased. Anyway, long story short, I am out {$7000.00} due to this burglary ( they took all of our appliances ) and I see no hope of getting it back ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
My wife and I were part of a modification on our home with an attorney we hired to represent us and our mortgage company. We got approved for a modification and received a copy to sign. My attorney also got a copy and told us that this modification was a good one and urged us to sign it and mail it back to the mortgage co as soon as possible. We were excited that the payment was what we could afford. Our attorney we thought read through the agreement before advising us to sihn it. He never mentioned anything about the other numbers we latter found out were involved that soon lead us to defaulting on our modification. 
We were completely unaware that the payments we were sending to the mortgage company were insufficient. We knew the figure as being correct. The mortgage company was sending all statements and communications about our modification directly to our attorney and not to us at all. We had no idea we were defaulting. Our lawyer refused to answer any of our calls or further emails from us to him. Our attorney never informed my wife and I that he was getting all mail from our mortgage co. His address was even on all the statements. Our mortgage company is now in active foreclosure of our home. We are extremely unhappy with how our mortgage company conducts business with it 's clients. We were never made aware of what exactly our numbers would be on a monthly payment basis. We desperately want to save our home from another foreclosure attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
On XX/XX/2016, XXXX XXXX, XXXX, MI performed XXXX ordered by XXXX XXXX, XXXX. {$380.00} bill submitted at end of visit and paid in full w/ XXXX. XXXX sent additional bill dated XX/XX/2016 for {$88.00} for XXXX XXXX XXXX XXXX. XX/XX/2016 letter mailed to XXXX disputing bill and telephone call to XXXX. XXXX XXXX did not order this test & stated same in XX/XX/XXXX letter. XXXX letter dated XX/XX/2016 denying XXXX order mailed to XXXX on XX/XX/2016. On XX/XX/2016 complaints submitted to XXXX Attorney General, XXXX Attorney General and XXXX Attorney General. Communications from these agencies stated XXXX did not respond to inquiry. {$88.00} turned over to collection agency, American Medical Collection Agency. I sent several letters and made two telephone calls giving facts regarding fraudulent bill for lab work which was not ordered. XXXX has ignored all communications between customer and State Attorney Generals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX/XXXX/2015 I paid my credit card bill {$180.00} On XXXX/XXXX/2015 I received a message stating that amount was pending due to a XXXX CAPONE OTB HOLD. I called to inquire about the hold up. A supervisor stated it was because I paid my bill to often in one month, so they were placing a hold because of suspicion of fraud. They called my bank with me on the line and inquired about fraud. The bank confirmed there was no fraud. the bank further told them that the {$180.00} was released to them. They confirmed they had received the payment. After they hung from the bank the supervisor for Capital One told me she was going to keep the hold on for several more days. On XXXX/XXXX/2015 a payment of {$17.00} was allowed to go thru. This coming after a hold was placed on the {$180.00}. I told the supervisor : # 1. I suspect that there was an attempt to control my spending view slowing the process to return my credit limit to its normal amount. # 2.How is it that they were the complaint party for my bank who was not concerned with the allege fraud. She stated I should not pay my bill as often as I had. I stated I wanted to produce a good pay record to help my credit and I needed my limit restored in order to buy other goods. I informed the supervisor that I take umbrage to how she and the other employees were handling my situation. The situation being that a made up charge of fraud that the bank where i have paid all of my bills concerning capital One all of a sudden became fraudulent. I ridiculous that Capital One would investigate fraud for another institution who have their own security measures in place. This supervisor called my institution and never offered a legitimate reason for calling only saying it was a mistake that had already been resolved. It was so unbecoming of a business such as Capital One. I told her, I was offended by what they were doing that the real reason for all of this was to keep me from paying my bill so rapidly. She stated the hold would be removed but she cautioned me to not pay my bill as often.

Company response to consumer: Closed with non-monetary relief