vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
The following company : XXXX Address XXXX, MO XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX left a voicemail on my husband 's cellular phone requesting I call them back. My husband called the number from the voicemail and asked if they were a debt collection agency, or a company trying to collect a debt. The employee stated they were a " financial services company. '' Misrepresentation by omission is still misrepresentation. When asked directly if they are a debt collection agency or company trying to collect a debt, they should respond in the affirmative. 

In addition, the original debt holder was notified in writing, return receipt requested, that my wife is represented by counsel in this matter, and to contact only the attorney of record regarding this account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: Brelvis Consulting, LLC
State: NE

Complaint narrative:
I called this places number thinking they were the student loan place and they were n't, they really did n't tell me they were just a help center. They consolidated my loans which were already consolidated with XXXX my current loan place. Then they turned my loans over to XXXX XXXX XXXX who paid off my loan to XXXX. I had given this " help place '' my credit card # thinking this was how I would pay into the loan place, but what they did was charge me {$590.00} taken out {$150.00} in a four month period. They have already taken out {$300.00} which I told my credit card I was disputing. I called this " help place '' to tell them this and was told they would turn me in for collection. Now what do I do? I need help getting my money back.

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 2016-08-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have been totally and XXXX since XXXX 2011 and trying to clean up my credit reports, USAA is reporting a vehicle loan of mine as a charge off which is incorrect, I filed bankruptcy in XXXX 2011 but due to my child 's death the bankruptcy was not completed and the court has since vacated the entire bankruptcy. However during the bankruptcy I reaffirmed the vehicle loan and paid the loan in full anyhow. The vehicle loan is being reported as a charge off, which does not even make since considering USAA has the payment only being late 30 days, which is also false however because after the bankruptcy was filed I paid on time and then made a final payoff months prior to the end of the contract.

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: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
we were buying a new home for the first time .. moved to AZ .. put required $ XXXX down on XXXX home . Loan officer acted like it was a great deal with our great credit. He did n't let us know, until it was too late to do anything about it, that his rate was 4.125 %. i contacted my XXXX who works at XXXX XXXX Bank and he said that was unheard of and not legal. The rates are much lower than that! He said to negotiate with them. They would just say, you 're locked in, and you can always re-finance! We told them we could n't afford that rate. They did n't care. We had to deal with at least a dozen people and not just one on our loan .. too many vacations! We 've written letters and no one cares. Even to the President of the XXXX Mortgage ( conflict of interest, they own it and 60 % of the XXXX title agency ) and the title agency. We 're XXXX and XXXX and we were taken advantage of. Our friend at XXXX 's suggested we file a complaint with you. Please assist in any way you can. Awful organization they are! and conflict of interest, since they own all three companies. Thank you. After this experience, we would never buy new again. They were all rude and we did n't receive their pamphlet on how to negotiate the BEST RATE until after they had locked us in. Nobody showed up at closing - only a notary and he could n't answer our questions. We called the loan officer but he did n't call back. Because i told them i was checking the rates with my friend, they supposedly STOPPED working on our loan. Thus, they kept telling us a date and changing it ..the moving company would n't put up with that and charged us for storage - {$1500.00}! we have had nothing but trouble with this house and no help. we made a long list of items that need to be fixed and have only seen a " door '' adjuster - 3 doors would n't shut. please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have banked with USAA for 4 and a half years and this past week I attempted to login into my account using the mobile app and a pop-up window stated I could not be verified and had to contact USAA. When I contacted USAA they told me the first time that they had flagged my account due to suspicious activity but expected the issue to be resolved within three business days. I asked the individual why I had not been notified immediately and was told USAA had sent me a letter to my mailing address on Monday when it occurred. I finished the conversation with USAA on Wednesday night and tried to login the following day on the mobile app once again and again had the pop-up that stated I could not be verified so I called USAA again and was told that there was a note in my account that USAA was exercising their right to not do any business with me. I asked the individual why that had happened and he stated that USAA had found me guilty of being involved with the fraudulent activity that had occurred on my account in the past week. I was told that USAA was holding me liable for the negative balance in my savings account that had been used during the fraudulent activity. I proceeded to ask what would come of my direct deposit check that was going into my account the next day and was told they would hold it to pay off the negative balance. So I am now a fraud victim, that gave USAA 3 chances to try and fix the issue. I have also filed a police report because USAA would not release any of their investigative evidence to me as the account holder. They have frozen my funds and assets and wrongfully withheld my direct deposit leaving me without a way to pay my bills this month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Company responded USAA Federal Savings Bank said : Explanation of closure XXXX XXXX, we regret the frustration and inconvenience you experienced as a result of this matter. Our research found that when the payment was received, we were unable to identify where the payment was to be applied as it did not reference an account or member number. As XXXX XXXX, of our staff, informed you, the {$350.00} payment was posted to your credit card account. XXXX XXXX submitted a request to the consumer reporting agencies to have the XXXX through XXXX 2016 late payment reporting removed from your credit report. In addition, credits totaling {$56.00} posted to your credit card on XXXX XXXX, 2016, for the interest and late payment fees that were incurred. XXXX XXXX remains available should you have any additional questions. We appreciate you allowing us to review your concerns and respond to you. 
Relief On XXXX XXXX, 2016, credits totaling {$56.00} were posted to your account for the late fees and interest charges incurred on your account. 
{$56.00} UNRESOLVED COMPLAINT : With numerous attempts to contact XXXX XXXX at XXXX, to resolve this issue for updates on when this item will be removed ; I have remained unsuccessful due to miscommunication of not returning my phone calls. Per discussion, XXXX XXXX informed me that my final payment would be {$14.00} which was paid on XXXX. Also, during the discussion I was informed my credit report would reflect a change in which I also have not seen. Instead, my score continues to drop do to USAA failing to update payment status to my account. At the beginning of this process my credit score reflected a XXXX, due to the defects of USAA I now reflect a XXXX. Please assist on removing such indecency from my report eliminating further harm to my important credit history. I am looking to purchase a home and this deficiency has ruined my reputation to the upmost worst reflection of my character and history of responsibility. 
BOTTOMLINE : I am still receiving negative activity to my report corresponding to failure upon USAA updating the status of my account. Please represent a paid in full amount and/or remove from credit report completely. 
Thank You, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Advance America, Cash Advance Centers, Inc.
State: SC

Complaint narrative:
I was making payments on a returned check and working with manager of Advance America. Another employee from a different location verified funds and took my check to the bank and picked up {$630.00} out of my account. I did not owe that amount because I had already paid {$300.00} on my bill. She never admitted to making an error and refunded my money of payments. Money was taken from me when I did not authorize it nor expected this to happen. I did not owe that amount and want an investigation in XXXX, SC. When company takes your money it forces you to write another check to get your money back. I was trying to pay out of debt instead of starting back over. Snatching cashier 's check from someone 's account replaces Company 's money. That is what is cycle of debt where you have to be trapped when your money is gone how you going to pay your other bills or live until you get paid again. This is so unjust that I hope a closer look is taken for customer 's views instead of company paying lobbyists for laws to allow such treatment to people of our USA. The money made from this big company Advance America is a XXXX company. We advertise helping America when they take money from citizens and give to XXXX. How dishonest is this world? Using poor people to pay for other 's wealth is morally wrong. Most people with money have savings to go to in time of need. Poor people use payday loans ca n't afford to leave money and not get it back. There has to be an end to this cycle of debt. Help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
On XXXX XXXX, USAA Federal Savings Bank notified us of suspicious login activity on one of our accounts. Someone had changed my password and PIN. As a result, they froze our accounts and denied us access to even see our balances. They said it would be two business days before the issue was resolved. After two days, they let us in to see our accounts, and we saw that someone had transferred money from savings to checking, and had committed XXXX unauthorized withdrawals. When we notified USAA, they told us they were going to keep our accounts frozen for another week while they investigated. Since then, we have had no access to either of our checking accounts or to our savings account, and every time we talk to USAA we get told they need " two more business days '' to investigate. We have been living off our credit cards for 14 days now as a result, and no one from USAA will call us back. 
In addition to the $ XXXX+ stolen by the criminals, we are now having multiple payments declined because of our frozen accounts, and are beginning to rack up penalties from creditors. We received a shut-off notice from our electric company yesterday afternoon. USAA 's inaction and refusal to communicate is beginning to cause damage to us financially.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: AP

Complaint narrative:
Company is calling family members about a " debt '' I am unaware of as I have not received any letters or notification of money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Bureau Services, Inc.
State: MT

Complaint narrative:
This debt was paid in full by XXXX in 2011, which was the insurance held by the at-fault party of the auto accidentthat lead to my ambulance charges. I have attempted to dispute this debt with collection agency but they refuse to remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
XXXX this the ongoing dispute, that I been having with my NSF fees, and no one called me sent me a letter nor email during, that time. Now I do n't work for XXXX and I believe I sent my response to them via letter, but they never received it go figure. 

WITHIN 60 DAYS I GOT RIPPED OFF BETWEEN XXXX TO XXXX DOLLARS I CAN EVEN GO AS FAR AS 90 DAYS EVERY SINCE THIS HONORABLE VETERAN LOST HIS JOB IN NORTH DAKOTA BASED UPON A FAMILY HARDSHIP. 
MY XXXX COMPLAINT TIRED OF USAA ( profanity used ) ME ON NSF FEES UP TO XXXX DOLLARS IN THE LAST FEW MONTHS THEY KNOW I AI N'T MAKING CLOSE TO XXXX GS A MONTH. NOW THAT I AM ON PENSION AGAIN WAITING ON MY HARDSHIP UNEMPLOYMENT ITS BEEN AN ORDEAL, BUT XXXX CAN TELL AT THE END OF THE FISCAL YEAR OF XXXX I LOST ABOUT XXXX GS IN GROSS INCOME YOU DO N'T SEE ME SMILING THESE DAYS. 
USAA HAS BLATANTLY DISREGARD, AND DISMISS ME AS THE CUSTOMER WITH XXXX NEGATIVE OF BANKING HISTORY. THEY HELD MY CHECKS I DEPOSITED, AND MY VA CHECKS AND WHEN I HAD TO PAY A BILL OR EXPECTING AN IRS REFUND THEY HELD THAT CHECK TOO UNTIL I WENT NEGATIVE, AND THEN RELEASED THE MONEY IN MY ACCOUNT AFTER RIPPING ME OFF OF FEES FOR LAST 60 DAYS FROM XXXX, AND XXXX I AM GOING TO FIX THAT TODAY. 
Product Bank account or service : Checking account Issue Problems caused by my funds being low They did not address a XXXX thing accept these people are working against me, and try to jack my VA money, and Income taxes due an owed to me. They would do business with the XXXX XXXX XXXX XXXX corporations. In regards they think they can XXXX my money, and abuse my money while I am asleep or not watching my accounts while USAA secretly use their members money on the securities, and commodities on the international stock exchange. 

No one is my DAD I have only XXXX father, and that XXXX dollars of a so called refund is n't good enough they are in cahoots with those trying to sabotage my accounts. Things were different when I was on top in North Dakota, but now they treat me as a second class citizen. They even turned down my application when I was trying to get a XXXX job. I got back stabbed by them XXXX. I want all my NSF 's credited back to me from 120 days ago, and I been out of work since XXXX 2015, and I was prevented by USAA to pay my bills effectively to even have successful transfers. 

This is my response to I do n't agree with USAA at this juncture.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: LD Holdings Group, LLC
State: MN

Complaint narrative:
A company named Loan Depot called me more than 8 times after I repeatedly told them to remove my information from their call database. I also indicated that they are harassing and terrorizing me. They allege I solicited s request for a loan and I never did. They are allegedly based in XXXX but the phone number I have on caller id is XXXX based XXXX. 
When asked for a central number they provided XXXX XXXX XXXX which goes to an operator. The customer care line at XXXX XXXX XXXX also goes to voicemail, where I am supposed to provide my phone number and name for them to contact me. I did not request any funding from them or the website they allege they got my information from, 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 2015-05-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
I contacted USAA bank to dispute a charge after I found a company failed to due work as promised and after having to pay another mechanic for same work I asked for a refund. USAA so called investigation failed to take other mechanic information or even listen to audio recordings between me and company where they admitted wrong doing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 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: TN

Complaint narrative:
I checked my credit report because I was denied credit. I called and contacted the company and asked to receive a written/letter of notification that I owe this debt. The person I talked to would not send out a notification. He stated that they would email a notification if I would set up payment arrangements XXXX. I feel that this is not right. I only know about the debt because I checked my credit report. I have not received any type of letter from this debt collector that I owe a debt. I also feel that he was very pushy in wanting me to set up arrangements and pay off my debt, even though they have not mailed me any correspondence that I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have a VA mortgage with USAA Federal Savings Bank ( XXXX, XXXX XXXX, IL, XXXX ), loan number XXXX. Effective XXXX/XXXX/2016 the mortgage servicer was changed to XXXX Mortgage XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. On XXXX XXXX, 2016 USAA transferred escrow balance of {$2100.00} to XXXX XXXX. 

The escrow funds provide for homeowner insurance and taxes. The insurer sent XXXX the renewal policy information in XXXX and a reminder on XXXX XXXX, 2016 that included the final due date of XXXX/XXXX/2016 as well as amount due, {$1100.00}. 

XXXX did not pay the bill and the policy was cancelled effective XXXX XXXX, 2016. I live on the XXXX coast of Florida where on XXXX XXXX my city was struck by hurricane XXXX. On XXXX/XXXX/2016 I received notice from my insurance co. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX ) that effective XXXX/XXXX/2016 the policy ( # XXXX ) was cancelled for lack of payment and would help me try to get " replacement coverage ''. 

On XXXX/XXXX/2016 ( I was unable to find anyone open on weekend ) I contacted USAA who would not address the issue and transferred me to XXXX. After 2 hours on the phone and multiple excuses, XXXX promised to overnight a check ( they are unable to do wire transfers? ). Today is XXXX XXXX, 2016 and a check has not been received by XXXX and XXXX claims it was prepared they do not know how is was sent or when. 

Three different XXXX representatives promised to update me and keep me informed, but none did. I still have no insurance and I have been told three different scenarios about whether a claim will be honored due to hurricane existing, whether I have to agree to make no claim, and if XXXX has an unstated grace period. In addition, I was told it could take 3 to 5 business days after the check was received before insurance would be in effect. Probably to let the check clear. 

I am concerned that my insurance record and credit record will show that I had a policy cancelled. 

In addition, USAA is keeping a payment database ( for my mortgage payment data ) that is separate from XXXX and different from XXXX. The USAA database shows that I am in arrears and did not pay XXXX or XXXX payment and could cause bad credit reporting. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I was in the process of reviewing my bank statements when I was preparing my taxes and noticed that in XXXX a check that I wrote to a cleaning company posted twice to my account it was the exact same check with the exact same date and the exact same amount and the same check numberwhen I noticed the clerical error I notified my bank they researched and admitted that they incorrectly paid out the XXXX and they would look to resolve the issue 30 days later I have not had a resolution and I am being told that I can not receive the funds back in my account until they have received the funds back from the bank in which they had paid out multiple times. They do not have a date for a resolution and stated I would never receive my funds if the bank they had paid out to never returned it back to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief