vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC
State: MA

Complaint narrative:
We applied for a mortgage from Mortgage Master. The agent was XXXX XXXX XXXX XXXXXXXXXXXX XXXX The agent offered repeated verbal assurance that everything was in order. The day of the closing he said that his company was no longer interested in offering us a mortgage at that rate. We could not walk away from the purchase without a significant loss, as he was very aware while he had continued to assure us that a mortgage would come through. 

What we did was pay for the purchase with our own funds. I believe that the fact that we are careful savers proves that we are a good risk, and that there is no conceivable business reason to deny us the loan after we had fulfilled all the company 's requirements. My guess is that Mortgage Master thought that by putting us in a tight spot they would force us into a deal which was unfavorable to us, and did not reckon that we would simply walk away. 

Perhaps also there was bad faith with my wife 's woman-owned business. Some comments that the agent made arose my suspicion. There is no way we can prove that looking at our case alone, but a statistical analysis might establish a pattern of discrimination if it exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
A XXXX representative had been sending me information to sign up for their service. I called to do so. They scheduled the appointment to come on a Saturday. On Friday I got a call from their collections department that They were not coming because they claimed I owed them {$760.00} for a residence that I had never lived at. I explained to them that it was fraud. They told me that I needed to fill out an affidavit, to check my credit report, and file a police report. I did all of that. I called back asking them when they were coming and they still said I owed them money even though it was fraud. A month later I applied for a loan and XXXX was showing on my credit report as a collection account sold to a third party ( Diversified Consultants ). This caused my credit to drop XXXX points! 
XXXX used my personal information from a fraud affidavit to enter a debt on my credit report that I told them was fraud. XXXX installs services without requesting ID, when they found out it was fraud they still attempted to collect from me and hurt my credit in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Unfair loan process, poor communication, unprofessional company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My VA mortgage with USAA was paid in full through refinancing with XXXX XXXX on XXXX/XXXX/16. There was an escrow account in the amount of {$3300.00} to be refunded and mail to me at the address they had on file. To this date XXXX/XXXX/16 I still have not received the escrow refund. I feel this is an abusive amount of time specially in the digital age we live in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I noticed XXXX fradulent charges on my account in XXXX 2016, and immediately reported it to USAA. As I still had physical possession of the card, I attempted to find out where my card information had been compromised, and I became convinced that it was via an online auto parts store I had recently used which lacked proper SSL authentication. When attempting to contact the parts store, I received no response, and subsequently reported these charges as fradulent to USAA. 

The following week, the parts actually arrived, and I immediately contacted USAA to ask them to re-authorize the charges ( approximately {$1700.00} ), as they were valid. 

This has led to an absolute nightmare, as that {$1700.00} has been credited to and debited to my account over 11 times over XXXX billing periods during the past 4 months. USAA insists that I never paid the {$1700.00}, despite numerous attempts to prove that this is impossible given the numbers shown on the billing statements. During these XXXX billing periods, I made purchases on the card totaling {$5100.00}, and paid {$4700.00} in bills, thus I owe USAA {$390.00}. 

USAA however, insists that I owe them {$980.00}, and I have also been told that I am actually coming out ahead, as that number SHOULD be {$1300.00} ( as they admit that their accounting is inaccurate ). I have been insistent for over 4 months about what I owe, and I simply want to pay the {$390.00} to settle the accounts. This has proven impossible, and I refuse to pay more than I actually charged to the card in goods and services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Advance America, Cash Advance Centers, Inc.
State: OH

Complaint narrative:
I had gotten a loan through XXXX XXXX XXXX in Ohio. I had always paid back my loan but this time I had unexpected circumstances occur that left me with a financial hardship. I could n't pay back my loan. I received a letter in the mail stating that XXXX XXXX XXXX would withdrawal a series of remotely created checks to access my bank account with XXXX XXXX XXXX on XX/XX/XXXX. I sent a letter to XXXX XXXX XXXX revoking my authorization to access my account using XXXX and also sent a letter to my bank asking to block XXXX XXXX XXXX from accessing my account. On XX/XX/XXXX, I checked my account and saw that a check for {$500.00} was created by XXXX XXXX XXXX and cleared by my bank. I sent an email to my bank and to XXXX. Its a holiday so I ca n't get ahold of my bank presently. XXXX basically said nothing. I will now have to pay a large collection of overdraft fees as I have several payments pending.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 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: MI

Complaint narrative:
On XXXX XXXX, 2015 I had cancelled service with XXXX. I then received a bill dated XXXX/XXXX/2015 for {$110.00} to be paid by XXXX/XXXX/2015. 

On XXXX/XXXX/2015 I was contacted by Diversified Consultants a collection agency representing XXXX saying I owed them in regards to XXXX the amount of {$110.00}. Upon contacting XXXX I was told that my bill is still due with them on XXXX/XXXX/2015 and should not have been sent to collections of any type until at least 30 days after the due date. However, they could not confirm that it would be taken away from the collection agency. The bill was paid to XXXX on XXXX/XXXX/2015 in full. 

Diversified Consultant 's also told me that I could not XXXX and they would not speak to me regarding this matter. Diversified Consultants also said that they " are XXXX '' as in they are the legal entity of XXXX and that calling XXXX direct they would not take my payment. I believe this is a False representation by Diversified Consultants. I do not believe that XXXX or Diversified are within their right to send a not-yet-due bill to a collections agency. On XXXX XXXX I received a letter by XXXX mail stating that my bill had been paid in full to Diversified Consultants. However, no money was exchanged between myself or Diversified Consultants. My money was given to XXXX prior to the bill being due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 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: CA

Complaint narrative:
I discovered this derogatory mark on my credit report and never received a notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 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: KY

Complaint narrative:
Diversified consultants inc keeps calling, writing me letters, about my XXXX bill. I told them I was not going to pay, because I do n't owe this. XXXX used deceptive trade practice. Unfair billing practice and strong arm procedures. I asked them to leave me alone or take me to a court of law. I have a excellent credit rating ( over XXXX ) I never missed a payment or even had a late pmt, until they overcharged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 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:
When i got married, i was with XXXX, and my soon to be husband was with XXXX. I was planning to switch to his plan, so i called XXXX to see when my contract was up, to which they replied " Your contract has been up for several weeks. we 've just put you on a month to month plan. '' So, in XXXX of 2012, i switched to XXXX. I paid my final full bill with XXXX and started paying for XXXX. Now i owe XXXX {$180.00}? After paying my last bill in full, and not having a cancellation fee? I feel as though i am being very wrongfully charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA erroneously duplicated the images of an electronic check deposited that in affect deposit XXXX check twice versus the XXXX checks i was attempting to deposit. After becoming aware of the error and informing the bank of the error USAA eventually deducted the duplicate deposit and forced me to redeposit the missing check. After 2 weeks USAA again deducted the deposited check from my account and then charged fees and deducted funds from other accounts to cover the short fall. USAA refuses to fix their duplicate deduction despite admitting the issue and " submitting '' paperwork to resolve the issue. Every time I call back I get the specific transaction was n't an error. Sorry we 'll have to resubmit. MY accounts were fraudulently deducted credit the money and USAA refuses to fix it. It has been over 30 days since I first contacted USAA about this issue and they continue to give me the run around.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
My mortgage company " loanDepot '', which collects monthly escrow for my property tax payment was supposed to make the property tax payment on XXXX XXXX, 2016 to XXXX XXXX Treasurer. They did not make the payment. I had called them twice and was told that they will make the payment prior to them transferring the servicing of my mortgage to another company on XXXX XXXX, 2016. Instead " loanDepot '' transferred my escrow balance to the new company ( XXXX XXXX ) on XXXX XXXX, 2016. I called the new company and they said they will put a note to pay this property tax bill which becomes delinquent after XXXX XXXX, 2016. I checked the XXXX Treasurer website today ( XXXX XXXX ) and my property tax payment still has not been made. That is 5 days away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 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 paid a collection account on XXXX XXXX to DIVERSIFIED CONSULTANTS IN located XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have called 5 times within the past month to obtain proof that the debt was paid, I asked to please email me something the first couple of times I called so I can provide the information to the credit bureaus and information is updated, they told me THEY COULD NOT email anything ; however it would be sent regular mail, so I waited, and weeks later nothing came. This past Saturday XXXX XXXX, XXXX, I called once again and explain the situation, the representative told me " oh yes, I see you have called, there is nothing I can do but submit a request to be sent out '' this time I asked once again if the information could be email, and to my surprise he said the information could IN FACT be emailed, but it will be sent Monday Morning. Today is Tuesday, and I have check my email, junk mail repeatedly and nothing has com through. This is to formerly complain that this company continues to hurt my credit score as it shows the account is still open in XXXX. I have contacted them several times ( is on their records ) and to this date they keep giving me the run around and I am unable to provide XXXX with an actual document which states the debt has been satisfied. I already filed a dispute with XXXX explaining the situation, however the results were " not change '' meaning the account still shows open and it still has a balance. This company is failing to assist me and failing to provide information I have requested over and over again. My address was verified every time I spoke to them, lastly I provided my email and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: FL

Complaint narrative:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by American Profit Recovery refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MB FINANCIAL, INC.
State: TX

Complaint narrative:
I am trying to refinance my mortgage and noticed that mb financial incorrectly had that my XX/XX/XXXX payment was 30 days late.. I called up to mbfinancial to inquire and their customer service personnel advised me that I was not 30 days late.. they requested that I send report showing 30 days late to them via email, which I did. They advised me that it could take 30 days to investigate at which time they would let me know something in the mail. I waited the 30 days and received letter stating that the XX/XX/XXXX payment was not late and would be removed from my credit report. I than checked my credit again and now they have that my XX/XX/XXXX payment was 30 days late.. which it was not also. I called customer service again and inquired why it was showing that my mb financial payment was 30 days late for XX/XX/XXXX they advised that it was not 30 days late for XX/XX/XXXX. They again requested that I send them a copy of my report showing that XXXX payment was 30 days late, which I did again. They said again that it will take 30 days to investigate after which time they will mail me a letter in the mail with the results of their investigation. It was still XX/XX/XXXX when I called them and they advised that there was no way that it could be 30 days late. This bank is continuously showing me 30 days late in error and having me email them my report and waiting an additional 30 days to get results. 
I have to continuously wait during this time before I can refinance my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I refinanced a mortgage with Loan Depot and the monthly payments were {$1300.00} however, I was notified that I had an escrow shortage and that my payment would go up to {$1400.00} but, would remain at the original {$1300.00} if the escrow shortage was paid. On XXXX XXXX, 2016, I submitted a payment of {$1000.00} to fulfill the escrow shortage. However, Loan Depot is still asking for the {$1400.00} even though I have called their office on two different occasions and was told that the {$1000.00} would be applied to the shortage and that my payment would remain at {$1300.00}. They have returned my XXXX XXXX payment stating that I owe {$1400.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TH Professional & Medical Collections LTD
State: IL

Complaint narrative:
Called my work number. When I told them that they were not to call the main number of work or call me at work, they told me that they could call anytime to verify employment because they were going to file a suit against me for XXXX. I asked them why they were filing a suit if I was giving them my hsa card information for payment. They said I had given them my debit card and it did n't go through, and I told them it got eaten by the ATM, which it did and I was waiting for a new card. Then she proceeded to say she had to have the XXXX by XX/XX/XXXX but then " spoke to her supervisor '' and could postpone it a week. Ridiculous!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I received a letter from NCB Collections attempting to collect a debt that I do not owe. I disputed the debt. They sent me a response letter with purported information that says I do owe the debt. However, as you will see, this application is not in my name ( not even the correct sex ), not my address, not anywhere close to me at all. In fact, NCB violated someone else 's privacy by sending me this information ( an XXXX XXXX to be exact ). Again, they did not verify the debt belongs to me, since what they sent me is for someone else entirely and they violated that person 's privacy by sending me their information. I am enclosing the dispute letter I sent to NCB along with their response and document.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 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: First Data Corporation
State: VA

Complaint narrative:
I am getting calls from TSR saying I have a {$2.00} debt with XXXX that was incurred on XXXX/XXXX/2015. I started getting calls on XXXX/XXXX/2015. I called XXXX and I have no such debt. When I called them to tell them to stop calling, they want me to send them my bank account number and routing number and my social security number. They refer to a letter and reference number, neither of which I have ever received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AR Resources, Inc. (FL)
State: FL

Complaint narrative:
never notified of the debt, straight to my credit now my credit has gone down and collection debt stays in my credit for 7 years?? thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCB Management Services Inc.
State: NM

Complaint narrative:
a company named NCB management services called my cell phone and did not leave a message. I returned the call and could not make contact with a live person. Instead I was transferred numerous times by recorder messages and finally ended up at a company voice mail box. In a stern, but polite fashion I instructed who ever receives this message to remove me from their call list, and informed them that I do not have any debt with them.

Company response to consumer: Closed with explanation