vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
my credit card account is not being updated properly. what happens is every time that I make a purchase the purchase amount is noted as a pending transaction but the balance usually reflects the purchase amount before it actual post to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
Advance America contracted a company to collect this debt. The company called my wife 's phone 5 times in a row, and then called my employer repeatedly as well. My wife called back, and she was told they would be arresting me. My wife was anxious and in tears. I called back and spoke with XXXX. XXXX was verbally abusive, and swore at me. I mentioned his tactics being a violation to FDCPA and that I would file a complaint with CFPB. XXXX said to shove the FDCPA up my XXXX, and he 'll file it for me. He called from XXXX, and told me to go to Advance America and pay now, or my XXXX was going to jail.

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 2017-03-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I have an equity loan with USAA and set up an automatic payment from a USAA account. On XXXX XXXX, I see in BIG RED LETTERS that my account is overdue. I am a XXXX veteran who has NEVER had a payment overdue by one minute much less than three days. After calling USAA, they tell me their system is down. However, that does not resolve that my account is over due. I made a manual payment and yet it will still and always be reflected as overdue. Furthermore the bank was of the mind that it was no big deal. That they can not fix a computer error at the snap of their fingers, their words. This is huge. While it wo n't affect my credit and I paid before any late fees were assessed, it will show 1-30 days late and has already attacked my integrity. The BIG RES LETTERS did not say we have a an issue and will make payment .. it said that the account is overdue

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
USAA FEDERAL SAVINGS BANK. NOW I spoke to them for the very first time back in XX/XX/XXXX regarding several accounts that were open in my name and my own children 's name that I know I did n't authorize to open. They stated back then that it is me I gave the authorization to open the accounts and that all the accounts were negative and I would have to pay the money in order to stay out of the collections department. I told them that this id ID fraud and I did n't authorize you to open these accounts and especially the ones for my children this is ridiculous. They made me pay and later I found out that my parents were the ones that opened the account but I did n't know. I called them back and they said the accounts were closed due to fraud and you can no longer have an account with us. Now on XX/XX/XXXX I called Early Warning Service to get my yearly consumer report and they stated that USAA Bank reported me as suspected fraud on Early Warning Systems and I am on the report for 7 years. What in the XXXX is going on now. How and why was I reported to this service and why.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: MB FINANCIAL, INC.
State: CA

Complaint narrative:
On XXXX XXXX, I received a letter from MB Financial Bank that was dated XXXX XXXX. This is relevant because it was time-sensitive. I was given 30 days from That date to respond. The letter was regarding Unclaimed Funds / Property that was due me. They asked for verification of my address and last four digits of my SS #. On Monday XXXX XXXX, I called and spoke with Customer Service, as well as a woman IN the XXXX department where the letter originated. I was assured that upon receipt of verification of my information and copy of State ID, that I would indeed be sent the check. I sent all info in the envelope They provided with their address including Dept. name XXXX. I know it was received. I called this morning to inquire. They would not speak to me, but Through Customer service, Denied they had even heard of me. The information I sent also included my phone #, e-mail address, and foolishly, a copy of my SS card .Customer service said they would " call me ''. I was ON the phone! why would they not only deny knowing anything about the letter, but not have the courtesy to speak to me. Tomorrow will be 30 days from the date of MB 's letter. I do n't want them claiming I did not respond in time. And shared this concern with the customer service woman., who assured me she would make sure that would not happen. She seemed as baffled as I am. In my conversation with the woman in XXXX on XXXX XXXX, they even told me where, locally, I could pick up the money. It had been sent, along with other deposits to a local Check Cashing store. Before I sent the information, I brought the letter to the store. They said the check was returned quite some time ago, and the bank should send it to me. In MB 's letter, was also included the ck. #. THEY contacted me, so why now are they denying all of this.?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I booked a vacation rental on a well-known website ( XXXX XXXX ). The person who posted the vacation rental falsified the website 's documents and sent me an invoice that appeared to be from the website to pay by wire transfer for the rental. I sent the money via my bank wire transfer, and I referenced the company ( XXXX ) and the company 's address which I verified before sending. After I sent the money, XXXX XXXX contacted me stating that they received word that this person was scamming their customers by sending invoices that were not legit. It was too late at this point, my money had been sent. XXXX XXXX refuses to assist me in getting my money back as they say I have to book through their website, which I thought I was doing because I was paying XXXX XXXX directly. My bank tried to recall the wire, but the beneficiary refused. I do n't think a wire should be able to go through if the name and address that are referenced are not those associated with that account. There should be some sort of verification process that keeps that from happening. I am now scammed out of {$1000.00} and a place to stay on our vacation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 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: MO

Complaint narrative:
I severed my services rendered by XXXX communications. I paid for all monthly services delivered by XXXX and set a date to end my subscriptions. XXXX alleged that I was under contract and would have to pay fees. I did not acknowledge any such agreement to be in place and asked for proof of said contract. None was given. XXXX failed to end my subscription in which I have correspondence lending to the fact of the date it was to expire. They pursued charges related to their own neglect in the matter and assessed fees associated with a contract in which I have no knowledge of. My refusal to pay the combined alleged debt gave cause for them to turn the matter over to DIVERSIFIED CONSULTANTS, a debt collection agency. I have no affiliation with this group and they have made no considerations on my behalf warranting any type of communication. I ignored all attempts of communication by DIVERSIFIED CONSULTANTS. In the month of XXXX, 2015, DIVERSIFIED CONSULTANTS reported the alleged debt. As a result, my XXXX score went from XXXX ( reported XXXX ) to a XXXX as reported by my bank when I inquired about a loan. I entered a dispute with XXXX which was denied without detailed explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc.
State: HI

Complaint narrative:
I am a victim of identity theft. There was a fraudulent XXXX account opened in my name. The debt is currently reporting on my credit report by a collection agency called Diversified Consultants. I have provided documents to both companies proving that I am a victim. I have been trying to get the Diversified Consultants collection account removed from my credit report for the past 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WV

Complaint narrative:
USAA Savings Bank, without prior notice, sent a letter reducing my {$20000.00} credit card to a {$500.00} limit. My last known XXXX score was XXXX. I have a significant net worth. This action was without warning and received the day I was leaving town for an extended trip. I do not believe I ever had a {$500.00} credit card during my 42 year career as a XXXX. What does the average person do???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: American First Finance, Inc.
State: WA

Complaint narrative:
When I obtained the loan I was told one monthly price in reality it was biweekly. I requested auto pay to be stopped they sent me an email saying it has been stopped but yet the company American First Finance kept billing me. in one day I had XXXX transactions that where not authorized each transaction was over {$75.00}. This company does whatever it wants and will not change unless someone stands up and says you must obey the laws that you are governed by.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
attempted to settle for less than balance due approx. 6-7 weeks ago. usaa refused my offer & ended negotiations. I asked if there was a waiting period to call back to attempt to settle again. customer service rep stated no. I called back yesterday for the first time since my original attempt & rep refused to speak with me stating I was n't eligible at this time. I asked what that meant, rep refused to disclose reason. I requested supervisor & was refused. I warmly disconnected, called back to reattempt to find out reason I could n't settle, & a second time I was told the same thing. I requested a supervisor call me back, I still have n't heard back. My complaint is I 'm trying to settle debt and usaa refuses to speak with me about it. I do n't understand why as there is no pending litigation & no cease & desist order in place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 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: AL

Complaint narrative:
Placed account on crefit report for XXXX. I have contacted att to verify debt. I am a current customer and have XXXX debt with the company. The collection was placed on my XXXX and XXXX report. The company calls about XXXX times a day from multiple numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I began receiving mail from USAA Bank confirming the establishment of my new XXXX XXXX XXXX XXXX account. These mailings included account numbers, amounts, membership cards with account numbers, account disclosure statements, etc. I contacted USAA to inform them that I did not, and have never, dealt with USAA - and I was repeatedly transferred to different departments until the call was dropped. I was repeatedly told that they ( USAA ) could not discuss the account with me because it was " restricted ''. USAA possesses all personal information for both me and my wife - I do n't know how they came into possession of this information and they will not discuss anything with me - even though they have allowed this account to be established. FDIC is their regulatory authority and I can not understand why this account was opened in my name without proper due diligence ... .rules state that proper identification must be obtained prior to opening an account. See XXXX XXXX for Banks, XXXX ( a ) ( XXXX ) Customer Identification Programs for banks, etc. I would like to pursue punitive measures against USAA Bank and XXXX XXXX, CEO., USAA Bank 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 2016-03-15 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc.
State: GA

Complaint narrative:
In XXXX 2016 a collection account showed up in my credit report. I contacted the debt collector and made payment arraignments to settle the debt of {$380.00}. On XXXX XXXX 2016 the agreed payment of {$200.00} to settle debt in full was paid and acknowledged as received. Instead of updating credit bureau report as paid in full, it was updated to balance of {$180.00}. After discussions with both XXXX XXXX XXXX and XXXX they both stated that they will continue to hold my credit report hostage until {$180.00} is paid despite the fact that they have issued a letter to me that the debt is " settled in full ''. This obvious coercion violates the good faith negotiations that produced the settlement and payment of an account.

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 2015-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Diversified Consultants have acquired a debt that belonged to a company, which I currently have XXXX lawsuits against, XXXX XXXX XXXX for a very similar matter. 

XXXX of the many problems that I have with the handling by Diversified is that they have re-reported a debt onto my XXXX Credit Report that XXXX XXXX XXXX has removed. Furthermore, I have been advised by counsel that Diversified has violated the TCPA, FDCPA, and the FCRA. 

Furthermore, Diversified Consultant contacted me for the first time by phone XXXX/XXXX/2015. I told the rep to kindly contact me by mail only as he was calling me at work. 

XXXX/XXXX/2015 Diversified Consultants called again, I kindly told them AGAIN to not contact me by phone because I was at work and to please correspond by mail only. When I asked the gentleman to please mail me, he said with an attitude " well do n't you want to know what this is about '' and continued ... until I cut him off and said once again please contact me by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
This is a belated dispute to the response supplied by imortgage concerning my complaint of XXXX 2015. Their claim that they needed an appraiser to finalize XXXX form XXXX to verify completion of my home renovation is still fraudulent. They are well aware that form XXXX can be completed by either the lender or it 's agent, an XXXX, an appraiser or a XXXX. Imortgage had already released funds for two previous draws on my account with the verification of completion using documents from my XXXX. It would follow logically that after he submitted his completed paperwork and pictures of the final completion of my construction they would have him sign the XXXX form and release my remaining funds. After I complained about the misappropriation of other of my funds to imortgages representative, XXXX XXXX, he decided he would delay my payments and demonstrate his power to control my money. I had already paid the XXXX {$150.00} for the final inspection but XXXX XXXX figured he had the right to see me charged another {$100.00} for an unnecessary appraisal. This {$100.00} is what I want to have returned from imortgage. 
The reason for my delay in response has to do with having to refinance my mortgage, and taking my complaint to the California Department of Business Oversight. They were able to convince imortgage to return the other amount that was misappropriated but imortgage refuses to refund my {$100.00} using their distortions of the XXXX Guidelines to make their case. Any further help you can lend to help me get my {$100.00} refunded would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
Advance America autodials my number and leaves a message each day. There are also several different numbers being used to autodial my number ( some from XXXX, XXXX, XXXX, XXXX, XXXX and some others ). I have had XXXX different collection companies call stating they represent Advance America and would be serving me on my job ( they left a message with the office assistant stating this information and our calls are recorded since it is a school ). However, once I contacted an attorney, the company blocked my number and then it was sold to another company. Now the new company calls from so many different numbers that it is getting to be at a level of harassment. I have over 60 calls from Advance America or a company representing Advance America and I have the screenshots and voicemails to prove the calls were autodialed. I asked them to only contact me through email or physical mail, but I receive calls daily and sometimes multiple calls in one day.

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 2016-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MB FINANCIAL, INC.
State: GA

Complaint narrative:
I have a mortgage with MB Financial. I paid the amount shown on the coupon that I received from MB Financial. They received the payment on time and cashed the check. However, MB Financial stated that the payment was short as the escrow amount was by about {$18.00} due to a change in the escrow amount. MB Financial does not send statement ( by mail or electronically ). So, there is no way, other than the coupon, to determine the payment amount. When I was notified about the shortfall, I simply paid the difference over the phone. However, the problem is that MB Financial reported a 30-day late pay to the credit bureaus. My credit score dropped by XXXX points and I am unable to refinance a loan. MB Financial refuses to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Clear Debt Solutions, LLC
State: TN

Complaint narrative:
Cred X Debt Recovery is the collection company that I have been dealing with to pay off a payday loan from XXXX. I have been speaking with a representative named XXXX XXXX at extension XXXX. XXXX called me once at work and I asked him that day to not call me at work period that my work does not allow it and I ca n't discuss this inside the office that I work at period. I called XXXX XXXX XXXX today because I had an arrangement to make my last payment. I was asking for an extension and the supervisor XXXX that I spoke with told me that I basically lying about not being able to pay the debt and that he thought I just wanted to have a good weekend. He did not disclose to me that call was being recorded and did n't disclose the mini Miranda to me until the end of the call. They still tried to take a payment out of my account and XXXX XXXX at extension XXXX called my work phone to tell me the payment declined. I told him that I have already told him I could not get calls at work. He said that he forgot because it 's been a while since we have spoke on the phone. I asked him if they noted their account and he said yeah but he just forgot. so not only was I accused of lying about not having the money but I also received a call at work after specifically telling XXXX XXXX that I could not get calls.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation