vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: ND

Complaint narrative:
I recently applied for a VA Home Loan through Loan Depot. XXXX XXXX, Senior Mortgage Banker, ( XXXX ) XXXX, XXXXXXXXXXXX was the contact. It was XXXX/XXXX/2015. I agreed to pay Loan Depot {$2500.00} for the origination charge with no charge to lock in the interest rate of 3.75 %. Between North Dakota 's title company and abstractor, the process of closing this loan was so slow that my loan interest rate of 3.75 % unlocked and through no fault of my own, I lost my interest rate of 3.75 %. On XXXX/XXXX/2015 I was forced to pay Loan Depot a higher origination fee of {$2600.00} PLUS an additional fee of {$1300.00} to secure a HIGHER rate of 3.875 %. XXXX XXXX, Sr. Account Manager III, ( XXXX ) XXXX tel/fax, ( XXXX ) XXXX ext. XXXX, XXXXXXXXXXXX dealt with North Dakota 's title company and abstractor. 
The amount of time it took for XXXX to get the paperwork in order was very slow. Loan Depot knew " the delays on XXXX XXXX 's application were outside the control of both parties '', but they went ahead and raised my rate and hit me with new charges anyway. I considered that unethical but I signed out of fear they would raise the rate even more. Knowing the delays were beyond both parties, why am I the one paying for the delays while Loan Depot is collecting additional interest, higher fees, and additional fees? 

See also : Case number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I have asked this company to stop contacting me and they continue to call me everyday, several times a day and today they called me at XXXX pm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 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: International Computer Systems, Inc.
State: CA

Complaint narrative:
I was called multiple times, approximately in XXXX of this year ( 2015 ) by First Collection SVCS. I spoke with representatives, who told me I had an outstanding balance with XXXX XXXX XXXX and XXXX for {$610.00}. I was unsure of the accuracy of this claim, and advised them to please send me documentation to my address at the time XXXX XXXX XXXX, XXXX XXXX CA. I never received such documentation. They continued to call, and a week later, I mentioned again to please send documentation, yet such paperwork did not arrive at any point. I had the displeasure of seeing on my credit score today XXXX/XXXX/2015, a derogatory mark for the {$610.00}. Because I never received documentation at my current address or address listed on my drivers licence to prove that this company even existed or that my outstanding debt existed, I am submitting this claim. Thank you for taking the time to read my issue and I hope we can work together to get this sorted out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau Services, Inc.
State: AP

Complaint narrative:
Around XXXX XX/XX/2015 I noticed a collection debt from Collection Bureau Services , Inc, in lieu of XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX to find out who they were and why they were showing up on my credit report. they explained that my ex-wife had care there. I asked what that had to do with me, not only where we divorced, but the divorce decree said she had to have her own insurance long before this visit. I was told I had to take it up with the collection agency. I called them and spoke to a XXXX XXXX who informed me that if I showed the signed decree they would remove it from my name. So, I sent the collection agency a signed letter ordering to cease and desist all communications and to remove my name from her bill. enclosed i sent the agreement which stated that she was to hold her own insurance from about 5 months prior to her eye visit. They then sent me a letter stating " validation of dept ''. I called them, and they said, " well, XXXX validated it, and said you owe it. '' I then called XXXX XXXX and spoke to XXXX, she said, " sorry, you have to take it up with the collection bureau '' and then hung up the phone on me. Not only were we divorced, but the agreement says she was to have her own health insurance. XXXX XXXX is trying to claim that since she " used '' my insurance that is why I am liable. I do n't know if tri-care paid anything prior to this visit or not, but nothing was every authorized. And I was never her medical care giver or provider.

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 2016-05-01 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
About three years ago, in order to help my daughter refinance her car loan, I opened a Certificate of Deposit ( CD ) Account with USAA Federal Savings Bank ( USAA ) routing # XXXX. Since opening the CD there had not been any particular noteworthy events concerning the CD. However, during the past weekend I noted unusual activity for the CD in terms of interest payments. On XXXX XXXX, 2016, I contacted USAA to inquire about interest payments being credited and then simultaneously debited to my CD. Specifically, without written or verbal explanation the crediting and then debiting activity occurred on the dates of XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. 

When I contacted USAA, I was asked by the USAA representative if I had recently opened any new USAA accounts and had not provided a signature card to which I replied no to both questions. While on the phone, the USAA representative asked me to hold several times while she checked on my account status. After this had gone on for about 25 minutes, it appeared there was not going to be a timely response to my inquiry ; I asked the USAA representative if it might be possible for her to call me back. I noted that I was expecting an important call from the U.S. Department of Veterans Affairs that I could not miss. Both the representative and supervisor seemed indifferent to the fact I was a XXXX Veteran and needed to communicate to the Department of Veterans Affairs that several of my prescriptions needed to be refilled promptly. 

The USAA representative stated that she would not be able to call me back and that I must continue to hold on the phone until she had resolved the issue with my CD account. I then asked to speak with a supervisor and stayed on the line for another 10 minutes waiting until the connection with USAA was lost. Thinking that someone would call me back ( the USAA representative had already asked for my identifying information and thus had access to all my contact phone numbers ), I waited about 30 minutes before calling USAA customer service and asked to speak with a supervisor. I was told by the supervisor, that USAA implemented a policy about three ( 3 ) years ago whereby it does not call customers back to provide information concerning their respective accounts. 

At present, I still do not know why, unlike in the past, I am not being credited with interest to which I am entitled for my CD account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc.
State: WA

Complaint narrative:
They keep calling me and asking for somebody else who is y father I keep telling them they have the wrong number and still call me and leave me voicemails then they call other numbers looking for h dad and telling them they are going to take legal action they also call other family members which is not right this XXXX XXXX is calling and will call my uncles house!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Advance America, Cash Advance Centers, Inc.
State: IN

Complaint narrative:
ADVANCE AMERICA WITHOUT WARNING WAITED OVER 1 YEAR TO SUBMIT CHECK FOR PAYDAY LOAN CAUSING MY ACCOUNT TO GO NEGATIVE. THEY CASHED A CHECK ON XX/XX/XXXX THAT I WROTE ON XX/XX/XXXX AGAIN WITHOUT WARNING.I AM CURRENTLY XXXX AND TOLD THEM AT STORE IN XXXX INDIANA AND GOT A DONT CARE ATTITUDE.I UNDERSTAND THIS NEEDED TO BE PAID BUT INSTEAD OF WORKING WITH ME THEY CREATED A MESS WITH MEDICATION ETC. BY OVERDRAFTING MY ACCOUNT WITHOUT WARNING.THESE PRACTICES ARE DONE BY XXXX MANAGER AT XXXX INDIANA STORE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Bepensa Capital, Inc.
State: CA

Complaint narrative:
The " gentleman '' called my employer and told the receptionist I am over XXXX days late on my debt and said I was " being so very irresponsible '' When I finally got on the phone with him I told him I was at work and he responded with " Well you are irresponsible and you do n't take care of your bills '' He was so very disrespectful and I will make sure to contact a lawyer to see what my options are. 

I am battling a death of a parent, a XXXX, XXXX kids, and I got XXXX days behind on a payment because I had to deal with unexpected expenses from an unexpected death. I had planned on paying the following day on my payday. LIFE SOMETIMES HAPPENS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: MONEY SOURCE, INC., THE
State: WA

Complaint narrative:
On XX/XX/2016 I closed on a home loan with XXXX ( Please see attachment 3 ). The loan was acquired by The Money Source ( Please see Attachment 1 and 4 for Billing ). I believe the tax bill was {$1000.00} for every 6 months and {$2000.00} for a year, at the time. 

I received a tax bill from XXXX XXXX in the amount of {$240.00} ( for 6 months ) and {$240.00} ( for the next 6 months ) or for the year {$580.00}. I submitted a request for escrow reimbursement ( Please see attachment 3 The problem is the original 4 month escrow charged and my monthly payments have been based on a {$1000.00} ( {$2000.00} per year and not {$580.00} per year the correct rate ). I requested for an escrow refund ( please attachment 5 )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: MONEY SOURCE, INC., THE
State: WA

Complaint narrative:
The mortgage company, in order to modify my current mortgage, refused to change items in the disclosure statement ( i.e. year of original loan origination, year home was built, remaining balance of original loan, name of applicant ) prior to electronically signing documents. Then I receive an email thanking me for signing the documents when I had not- even refused to- signed said documents. I contacted the agent XXXX XXXX XXXX XXXX via his direct line and the agent stated that he had sent the email in order to be proactive in getting the documents needed to finalize the loan process, providing that I sign the documents. He wanted the information in order to have it on hand when the underwriters asked for it. At the end of the conversation he also stated that the offer at the rate quoted would more than likely be no longer valid after the first business day of the month. I felt that he was attempting to coerce me into signing the documents prior to them being changed. I withdrew from any further actions concerning 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 2015-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
Unvalidated debt reported to credit bureausAfter reviewing my credit report I saw DIVERSIFIED reported an alleged debt without ever making contact with me. They illegally reported unvalidated debt on my credit report. This is a violation of FCRA and FDCPA regulations. If this illegal entry is not removed from all three reports I will take legal action. I do not have an account number as I have had no contact with trident. I do know the balance of the alleged debt is listed on my report as {$40.00} with a date of XXXX 2015 as the date placed for collection. - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: WA

Complaint narrative:
They continued to charge my account even though I requested months prior, they discontinue my service. They continued charging me for service which i did n't have. It 's not right i am being charged for service i did n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 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: CA

Complaint narrative:
keep getting calls from XXXX asking for someone else. 
They will not stop calling at all hours or they do not believe that person is n't there/

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 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: GA

Complaint narrative:
XXXX XXXX has placed a collection debt on my credit report for XXXX bureaus in the amount of {$1600.00}. I do not owe this debt. I ended my contract early and relocated to T mobile. Then XXXX charged me for the total amount of the contract. when I dispute this account with the credit bureaus the dispute comes back verified. when I dispute the account with the Collection agency XXXX I do n't received any proof that I owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 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: SC

Complaint narrative:
I contacted Diversified Consultant In a few weeks ago about account that showed up on my credit profile. I explained to them that the account was not mine based off the last XXXX digits of the social security number. I disputed this account with the credit reporting agencies and I am getting no where with them. I write this company a letter and contacted them via phone on XX/XX/2016 to try to get assistance and they said I need to contact the creditor if I had a dispute. They are the ones reporting and they refuse to correct the issue. I am at wits end and I do n't know what to do besides file this report to get assistance. They are not following rules and guidelines of Federal Crediting Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 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: NY

Complaint narrative:
Dear CFPB, Diversified Consultants , Inc, XXXX XXXX XXXX, XXXX, MI, XXXX is apparently helping XXXX with a retaliation scheme against customers who terminate service. Its been in the news that XXXX is hitting people 's credit scores when they close an account. 

XXXXI had a similar experience, when I moved, I terminated on one service, but then started XXXX XXXX at my new home. They claimed that I owed {$140.00}, but I never got a bill. ( I continued my cell and internet service with them, its not as if they did n't know where to reach me. ) I have called Diversified twice, and the last time they refused to validate the debt. 

XXXX has destroyed my credit over a {$140.00} bill, and wasted hours of my time. their technique is to leave you on hold, then shuttle you between departments. XXXX XXXX services department sends you to Diversified, then Diversified sends you back to XXXX, over and over. All in an attempt to shake down petty change out of your pocket. 

Please bust these XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
It took me a long time and a lot of effort to get a loan modification from XXXX, they made it very difficult and denied my applications many times, one time because they said I had enough money and another time because I had not enough. Finally, in XXXX of 2013 I received a congratulations letter ( I have a copy of that letter ) stating that I finally was approved after the three-month test period of paying the modified amount each month. ( I have copies of all the checks I paid at the trial period ) At this time I received a document to sign and notarize but I had some questions regarding flood insurance, XXXX was not answering my calls and if they answered they did n't know anything to guide me on how to proceed and finalize the loan. I sent them a letter begging for help and they answered that Green Tree was now handling my modification and they had all the information and will honor my case. ( I also have that letter ) I called Green Tree and they told me that they were very busy with the new situation and I should call them back some other time. I keep calling them every day and got very vague answers to my questions. ( one time they told me to call back in tree months, I swear it is true ) Later on, they told me that I had to pay the regular monthly payment I paid before the modification, I argued and then said that I could pay the amount of the modification but I could not trust them because never gave me any contract or paper to sign, they just did n't care, everything was very unprofessional and I could not trust them at all. I gave up, I was exhausted and frustrated my health was deteriorating and I had to be treated for XXXX XXXX XXXX. I never heard from them for a while, then a year later they started sending me bills that I owed as if I never had any modification plus interest late fees and everything, the amounts were way too high and I could not afford to do anything and it was no way to talk to them because they have unqualified people answering the phone that are only trained to put pressure on you. Now I 'm in foreclosure and the day of the hearing is the XXXX of XXXX. Is anything I can do? I have a lawyer that sais I have no case and the best thing to do is accept the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Dream Center Education Holdings
State: CA

Complaint narrative:
I enrolled in The XXXX Institute of California - XXXX XXXX and graduated XXXX in both XXXX and XXXX. To cover the cost of education I took out both types of Federal Loans and also a private loan from the school itself. I currently owe the school just over {$8000.00}. The issue is that when I got into the XXXX field I found out that the degree is nearly useless. It 's only use is for XXXX that most companies will only hire after years of experience, which I could have gotten without the degrees. Even more so is that the job help that they provided was the same, XXXX positions that I could have gotten through basic job searches. 
My time and money were wasted and all I got out of it was constant phone calls asking me to pay for my schooling, but no job that pays enough to afford it. 
Even more, when I was going to school my monthly payment they asked for was {$79.00}. After my first year, that was bumped up to {$120.00} then finally hitting over {$200.00} after the second year. This was explained after the fact when they said XXXX the semesters out of each year was not covered by the loans. 
So I sit, fighting to find a job that can pay, taking odd XXXX jobs that can barely keep me above water and having the school call me to threaten me with debt collectors to take money that I do n't have. 
I was trying to help my family and now I 'm lost.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 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: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
I 'm a victim identity theft and someone open accounts in my name this account was removed befor and now it 's back

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