vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-11 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: International Computer Systems, Inc.
State: OH

Complaint narrative:
The debt in question was court ordered to be paid by my ex-wife, XXXX XXXX because she was the one living in the house, not me. I do not owe this debt, nor did I use any of the electricity I am being billed for. You may contact the XXXX XXXX Court house in XXXX Ohio to verify this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: FL

Complaint narrative:
They have been calling XXXX XXXX times a day, starting about two weeks ago. Each time I answered, I received no response. Also when I ignored the calls, they left no voicemail. Finally after them calling me four times already today, I answer in an aggravated time. I asked in a very irritated tone, " Who is this, and why do you keep calling me? '' They asked my name, so I repeated my question. They replied, " XXXX. '' I then asked, " With who? '' They replied with, " XXXX with ICSystem. '' I then proceeded to tell them that I did n't know who they were and to put me on the do not call list. Before I was able to say anything else, they cut me off and told me they do not have a do not call list and they 're debt collectors. They then told me that they would n't tell me what for unless I verified I was who they were looking for. I then hung up. I 'm looking for ways to stop them from calling, but my first step was to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Due to financial hardship contacted USAA to obtain mortgage assistance in XXXX 2015 *before mortgage was late. Submitted workout package in XXXX 2015, received misleading information from Loss Mitigation Department advising that account must be 3 months past due prior to approval. XXXX XXXX, 2015 received denial for forbearance, repayment plan or any other type of assistance. On XXXX/XXXX/2015, Submitted 1 month payment. Received no calls or correspondences. I checked account via online and noticed that it was not credited. Contacted USAA and was informed that it was returned by USAA via USPS mail on XXXX/XXXX/2015. I continuously called every day to check on the status and they repeatedly stated it was returned on XX/XX/XXXX via USPS mail. It was credited to my bank account on XXXX/XXXX/2015. Then, USAA demanded 2 months payment by XXXX/XXXX/2015 to stop acceleration process. Payment made on XXXX/XXXX/2015 ( {$3600.00} ). USAA sent certified letter stating that they are going to foreclosure on our home and demanded another {$4000.00} to avoid foreclosure. Documentation provides XXXX different toll free numbers for assistance. Called all XXXX numbers and each number is to a different company : XXXX or USAA. Receiving phone calls up to XXXX a day. Answer each call and the representative tells us to disregard call. I would like resolution and an honest answer from USAA and XXXX on what is the status of the account and if they plan on working with an active duty service member on a repayment plan. I 'd appreciate a cease to the threatening daily letters and phone calls considering that I have met all of their demands to date and unfortunately they have not honored their agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: FL

Complaint narrative:
On XXXX XXXX, 2016 I contracted with Walmart stores of XXXX XXXX. Florida to transfer {$270.00} to my son XXXX XXXX. I paid turned over to Walmart {$280.00} which include the transfer funds and a transfer fee ( consideration ). Upon presenting the assigned tracking number and a Florida State drivers license, my son was denied the distributions of the promnised funds for no apparent reason except Walmart 's exercise of it 's assumed right to decide which contracts to honor and which ones to ignore possibly at the detrament of the designated receiver of the funds. The funds and contract fee were returned to me by Walmart the following day ( see attached ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
On XXXX XXXX, 2015 I paid off my mortgage to USAA Fed Savings Bank, XXXX XXXX, TX. XXXX is the loan manager. After many calls and XXXX certified letter, neither company has produced a recordable loan cancellation notice to the Court House as of today ( a year later ). I constantly get excuses and different people at both institutions who say they will help, but they will not return my calls, emails or letters. I need help in getting this notice as it is holding up my mother 's probate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
My husband and I applied for a refinance loan from Loan Depot about XXXX XXXX, 2014. We filled out the required information with XXXX of their agents, do not remember his name, maybe XXXX. Subsequent to providing all relevant information we were informed we qualified for a refinance through the VA since my husband is a veteran. Our current mortgage interest rate is 9 % and the VA interest rate was much lower. We were at the point where an inspection was scheduled. We were asked to provide the cost of the inspection, which we did. At this time we were suddenly advised by the agent our VA loan was unavailable due to the fact the VA DID NOT LOAN for homes on leased property. We do not own the property. Instead of checking with the VA to verify this we accepted this disappointing decision. Recently we received information from a VA Mortgage Center regarding VA Loans. When I requested the regulations for a refinance I was informed the VA DID, indeed, loan on manufactured homes on leased property. Therefore, Loan Depot agents lied to us rather than fulfill the loan. We are both retired, XXXX who know they were blatantly deceitful. ( Their reference # is : XXXX XXXX/XXXX/2014 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 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: PA

Complaint narrative:
Diversified Consultants continues to call my cell number although I have told them on XXXX occasions that the person they are trying to collect a debt gave them my phone number in error. I have explained that this could not have the person 's number in the past because I 've had the same cell number for over 15 years. Today they called again, misrepresented themselves, and hung up when I told them it was the wrong number. I 'm reporting this company as I can only assume other consumers have had problems with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX we received our USAA credit card statement in the mail and discovered a charge for {$590.00} from an XXXX store in XXXX XXXX. They live XXXX miles away from XXXX XXXX and they have a XXXX XXXX XXXX blocks away from their home so they would never travel that far. They immediately called USAA and informed them of the fraud charge. They were informed to contact the XXXX XXXX and work it out with them. That situation ended up getting resolved and they received reimbursement from USAA for {$590.00}. 
There have been many many times that client has tried to make a purchase and they were declined and they had to actually call in and speak with them to let them know it was them so they can allow the charge to go through. 
On XXXX/XXXX/XXXX there was a charge for {$580.00} with XXXX XXXX XXXX that they found on their credit card statement they received towards the end of XXXX XXXX. They immediately contacted USAA and they told the representative that the charge was fraudulent and they were told they need to contact the XXXX XXXX XXXX to dispute the charge. They contacted the XXXX by phone and they insisted that client made the reservation and they emailed client the guest folio. It shows client 's name and the price and it shows the reservation was made from XXXX out of XXXX, XXXX. However the USAA representative advised client the charge was made over the phone. We were never really given a straight answer when we asked for evidence surrounding this fraudulent transaction. We have been a long time customer with USAA going back as far as XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rose & Associates, LLC.
State: NJ

Complaint narrative:
This company Rose Associates keeps calling my number after I told them continuously I 'm not the person they are looking for. A female in charge gets on the phone and keeps saying who is the debt for mam. I 'm like a XXXX, that 's who they keep saying. She says she cant do nothing with removing my phone number cause they do n't look it up that way. I told her she is harassing me and this needs to stop. This is upsetting and needs to stop. They are contacting the wrong person and refuse to stop. They should be out of a job!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ballybunion Enterprises, Inc
State: NJ

Complaint narrative:
XX/XX/XXXX i visited a Freedom Acceptance website ( Affiliated with Military Credit Services LLC ). The reason for this visit was to book a plane ticket to XXXX due to a family emergency I had. Shortly after my return home I was facing financial difficulties resulting in late payments as well as non payments. The company I company listed above filed for a Lien on my XXXX XXXX XXXX account using a court out of XXXX while I was XXXX, this occurred XX/XX/XXXX. The lien was placed on my account XX/XX/XXXX while I was preparing for the XXXX, this made it all the more difficult to dispute. I was unable to follow through with the dispute because I was in XXXX and the court that filed the Judgement was in XXXX. I realized the lien had been placed when I attempted to pay a cell phone bill and was unable to due to the bank account being frozen. While I was XXXX I noticed that my paycheck was significantly lower than It should 've been, this lasted about 6 months while freedom acceptance and military credit services were garnishing my wages ; all while my bank account remained frozen. My concern is that while I was attempting to contact this court and this company in XXXX I was unable to get a response. I would also like to know the legality behind a court filing judgement from another state, although the contract was signed in XXXX. The amount of fees I have paid from overseas as well as the extended financial hardship due to my bank account being frozen and my wages being garnished have taken an incredible toll on my family and I.

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 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: LEXISNEXIS
State: AL

Complaint narrative:
On XXXX XXXX, 2015 I requested that Lexis-Nexis provide me with free annual reports of all facets of its consumer reporting group. Lexis-Nexis partially complied with the request. Lexis-Nexis failed to provide me with a free annual consumer report from their XXXX division. I demand that Lexis-Nexis provide me with free annual report that is created by the XXXX division. I have tried to talk with the XXXX department, but their automated answering system keeps me on hold for XXXX minutes and then hangs up on me. I have tried every communication method that Lexis-Nexis provides and each one of them stymies my attempts to clear this problem on my own. Currently Lexis-Nexis is in violation of the FCRA and FACTA statutes because they failed to provide me with the XXXX free annual report within XXXX days of the XXXX XXXX, 2015 request. Lexis-Nexis XXXX divison is required to answer consumer inquiries within a time frame dictated by regulations. Lexis-Nexis XXXX has failed to respond to my repeated calls within the legislated time, therefore that is a XXXX violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
They, Capital One, have called me 43 times in 7 days. Several phone calls were made after XXXX and I have to work at XXXX. They call all hours of the day and they leave 1 second voicemails. I owe this company {$500.00} total and I told them I would pay the {$25.00} I owe on Friday when I got paid. They have called 42 times since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Disputes XXXX Disputes and Transaction Rebills XXXX XXXX Last XXXX Account # : XXXX Last XXXX Social : XXXX Listed below are XXXX transactions which I have disputed, all of which I have contacted and given you a detailed explanation of the reasons, which at the time your agent process a credit to my account. Since then, you have contacted the merchant claiming they have provided proof the charge is valid - which is absurd, when all they have sent you is a copy of the charge document - they do have a document with my name on - call transcripts - any type of written, signed affidavits, or any type of legal document. 
It 's amazing to mean that we, your customer believe your " {$0.00} Liability Protection '' yet when we call with a dispute, we are required to provide written, legal, signed documents, almost provide our blood type and swear on a XXXX before you will actually remove this charge from our accounts - yet the Merchant can send in XXXX screen shots, most of which you ca n't read and you are so ready to make a TRANSACTION REBILL and make us jump through hoops to get you to believe what we have told you. 
I believe your marketing should be towards the merchant - " ZERO CHARGEBACKS, NONE OF OUR CUSTOMERS HAVE THE TIME OR ENERGY TO FOLLOW THROUGH! '' I WANT THESE CHARGES REMOVED FROM MY ACCOUNT - YOU HAVE THE REASONS AND MY CALL IS MUCH MORE VALUABLE THAN A SCREEN SHOT FROM ANY MERCHANT. 
I WILL EXPECT A CREDIT TO MY ACCOUNT IN THE AMOUNT OF {$330.00} WITHIN 5 BUSINESS DAYS. Listed below is a detailed account of each dispute with your Transaction Rebills listed below each one. 
# Date Merchant Amount XXXX. XXXX/XXXX/XXXX XXXX {$74.00} XXXX/XXXX/XXXX Transaction Rebill {$74.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX {$120.00} XXXX/XXXX/XXXX Transaction Rebill {$120.00} XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX {$54.00} XXXX/XXXX/XXXX Transaction Rebill {$54.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX {$83.00} XXXX/XXXX/XXXX Transaction Rebill {$55.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX Please feel free to contact me at XXXX or XXXX if there is any discussion you need to have with me. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I previouly filed a compliant against Capital One Auto Finance and Credit card. They are still showing the same information they have lied about. I am still receiving sales information for {$30000.00} auto loans which I have asked them to stop sending. I pulled my credit report this morning from XXXX ( Capital One called a bogus report ) and as you can see on my credit report it is still there. As I mentioned before, the women that called supposedly investigating the issue was just as bogus by doing nothing she said. 
The IRS behind this concern has been over for over a year. What is Capital One 's problem. Please Help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
New complaint needed as a Balloon Payment will be due at the maturity date of loan, but the loan servicer that set that in motion will not specify that in the most recent correspondence as requested. Being transparent as the consumer is, the non regulated loan servicer issues have made my ability to have a secure decision with changes in streamline and different tier and DTI, NVP that servicer has changed since XX/XX/XXXX drive by with their advantage with a low ball appraisal and not advising of canceled compared to declined modification which apparent allocation of previous trial modification payments went to past issues not the rear of loan as described. Chapter XXXX attorney that requested all info about loan to his office staff, reneged on helping with modification as his staff was given all information pertinent to doing just that. Attorney was censured and gave me legal right for substitute attorney which also dropped out of representing me due to his ability to easily back out. JUDGE XXXX knows him ... ... He called her from his office with me present about being substitute. XXXX XXXX is in jail as he is corrupt with real estate and XXXX XXXX FRAUD, as his office allowed XXXX XXXX, the practice manager and paralegal and an Associate Attorney XXXX XXXX take funds to represent and provided representation without TRUSTEE approval and then derogation found out with no contract provided. Questioning XXXX later, he said XXXX was let go for wrong doing. He later opened his own office. Calling his office, found XXXX employed by XXXX, a joke. Pursuing reimbursement, was told by XXXX XXXX representing XXXX XXXX to call XXXX because XXXX a Wealth management attorney went back to New York after removing himself from XXXX XXXX and XXXX firm. XXXX XXXX XXXX. Transparent issues with legal representation being a hurdle because of original chapter XXXX attorney issues, XXXX XXXX, XXXX and XXXX counties. Case was reaffirmed due to his lack luster attributes with trustee payment not reduced as mod was approved. Fault of Legal Council, ... ... complicating due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I 'm not sure how I ended up with XXXX private loans, each one a different date in a different year. I only signed up for XXXX XX/XX/XXXX. A XXXX one was created XX/XX/XXXX that I never agreed to. Plus the semester I decided to try to finish my degree, I dropped my classes before the deadline so, that loan should have canceled and the XXXX one should have never existed. The reason XXXX told me they never received my notice that I was dropping my classes is because my student advisor, the department head, XXXX XXXX, had quit before my email was received. It 's funny how I never heard anything from a new student advisor? 
I decided to drop the program because I learned that it was a ficticious field of study and their were never any jobs available to begin with. In fact, XXXX dropped the entire curriculum a month or so after I dropped my classes. Apparently, I was the only student left taking classes in the first place. 
I was reluctant to sign up for that last semester because I had problems with the previous semester thus the need for a private loan. I feel as though the financial aid representative coherced me into taking the loan, knowing they were about to drop the entire curriculum. And I believe they fraudulently created the XXXX one. 
I did n't even find out the loans existed on my credit until XX/XX/XXXX while trying to obtain credit. Now, there is n't even anyone available to try to resolve the issue, they closed their doors completely. These loans are preventing me from obtaining the credit I need and deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been a royal credit card member with Capital one bank, so I made a call to the capital one customer service to upgrade my regular capital one card to the XXXX card One day, I went to the Capital one bank located in XXXX XXXX XXXX, NY to ask the banker the status of my update. She asked me to help her open a capital one checking account, which I said ok. Then she told me that I will receive a new credit in a few days. Several days later I got the card, but instead of receiving only XXXX quicksilver card, I got XXXX. Basically the banker applied a new one for me. I tried to call the branch, but the branch manager was always busy, and my credit score dropped by XXXX points. When I converted my card, the representative told me that I should n't have any points dropped since I did not apply for a new card. One day, I finally got a hold with the branch manager XXXX. He told me that he is going to investigate and call me back, but now its almost been a year, I still have n't heard anything from him.

Company response to consumer: Closed with non-monetary relief