vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Regular biweekly deposits started appearing in our checking account at the end of last year. Neither my mother nor I knew why these deposits were being made, nor by whom. When the bank was contacted, they said they would try to find the source of the deposits as the only information available on our statements was " XXXX BIWEEKLY [ and the last XXXX of my mother 's SS # ]. '' The bank never contacted us. We called and made the request again. Again, no one got back to us. The third time I contacted the bank I was told that the only information they knew was that it was being transferred by ACH, and that XXXX XXXX XXXX was the clearing house. They say there is no way for them to determine who is sending the money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
i HAVE NOT HAD XXXX SINCE 2007 AS FAR AS I REMEMBER, I HAVE CONTACTED DIVERSIFIED CONSULTANTS TO ADVISE AND THEY HAVE HAD THIS IN DISPUTE FOR 90 DAYS NOW AND REFUSE TO REMOVE IT FROM MY CREDIT REPORT OR SEND ME PROOF THAT THIS IS MY DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
Someone hacked my daughter 's deposit mobile on her cell phone and deposited XXXX checks into XXXX separate accounts. The hackers also did several other transactions with the accounts from grocery stores and various ATMs. The funds from the fraudulent checks were immediately available so the hackers transferred the funds between the accounts until they found an account that they could withdrawal money from an ATM. The bank says we are responsible for the money taken even though we are victims of identity theft. The bank has procedure for customers to file for identity theft and are victimizing us twice. We have filed police reports and reports with the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 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: NJ

Complaint narrative:
Diversified consultants is reporting they harmful listing on my credit reports for a debt I do not owe. I disputed the debt with the credit bureau but they still still are reporting a debt that I know nothing of. I also realize that the debt they are reporting has not been validated and that it is a violation of the FDCPA and FCRA to collect and report debt that has not been validated. They have not and can not provide a contract signed by me taking ownership of the said debt or itemized bill showing how the charges came about. I will not pay these people that I do n't even know for a debt I do n't even owe

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
Approached by Loan Depot for personal loan ; after reviewing the terms of the loan, I the consumer declined/rejected the loan. I received an Adverse Action Notice from the loan company making it sound like they denied me credit. Mentally this is shocking, since I refused to take out a loan with them, it sounds like an attempt to ruin my credit score. This can not be right. 
Please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Date : XXXX/XXXX/XXXX To Whom It May Concern : Equifax XXXX XXXX, GA XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my I am not able to access my credit file my public information is missing personal credit reports is nowhere to be found please update my correct address Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have been living there since XXXX/XXXX/XXXX If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 

I look forward to an expedite resolution of this matter Thank you. 

EQUIFAX XXXX XXXX/XXXX/XXXX XXXX AM NO XXXX XXXX INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE Name : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX since XXXX/XXXX/XXXX Please update my phone number to my public record Home Telephone Number XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, Name : XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA representative kept telling me that an interest charge is not a finance charge. Based on this, and other misleading statements, I decided to cancel the card. It took me almost 30 minutes, and verbal abuse in order to cancel the card. I am a veteran

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 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: MI

Complaint narrative:
I got a a call from diversified consultants and they were asking for my social and address before even saying who they are and why they are calling. I declined to give them my personal information and then I see that they reported to credit bureaus a collection of XXXX $ to XXXX that I do not know why i am being billed for it. 
I never recieved an invoice, bill, collection letter or anything. 
All I recieved was a phone call from an agency asking for my social!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 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: MN

Complaint narrative:
The charge from XXXX / {$700.00} that I do not owe because I do n't have XXXX nor have I ever had XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 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: MD

Complaint narrative:
I pulled my credit report and found a few inaccuracies as a result I contacted the FTC and followed their direction with regard to resolving the matter. Nonetheless I was a victim of FRAUD and I made a police report and other necessary filings. However, this company continues to try and collect on a FRAUDULENT account. I was advised to file with your establishment before contacting the FCC and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Clear Debt Solutions, LLC
State: TN

Complaint narrative:
I was called today by XXXX XXXX from number XXXX XXXX at XXXX cst on XXXX XXXX about a payday loan from XXXX for {$450.00} and he stated this long talk about this debt which I put a stop payment on through my bank on this account for this loan due to could not afford to pay it so had to do stop payment to keep from getting hit with fees so this man stated needed a disposition to and was using words I had no idea was or meant and then threaten to take legal action over phone so told him go to court and hung up. Last email I got from XXXX XXXX XXXX stated has until XXXX XXXX to contact them to pay off or set up payment plan before debt was sold off to a third-party debt buyer was unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Bepensa Capital, Inc.
State: TN

Complaint narrative:
Calling back to back. Hanging up and calling right back within minutes

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 2016-08-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
I am soooo Upset!!!!!!! I cancelled a purchase from XXXX in which I was to pick up the merchandise from a local store. I did not go to the store, instead I canceled it. Per Rushcard member services, I would need to fax over an authorization hold reversal form from XXXX with trans info stating to release hold. I get that done, then the reps say they can not do it because of a policy they have in place with XXXX that will not allow them to release the hold. I know they can release the hold because I 'd had them release a hold before. Now it 's school time and they are holding my funds from me doing what I need to do!! I swear I am going to do away with Rushcard after I get my funds released because since the change in banks, it 's has been a nightmare!!!! Im really starting to hate rushcard after being with them since XX/XX/2009. They may get another lawsuit as far as Im concerned. I call Unirush and they tell me they are sorry for the incorrect info of sending in the authorization release form, but they can not release it.???. So you have all of your reps saying the same thing, but it 's wrong? So much of a scam going on!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 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: OH

Complaint narrative:
I switched over from XXXX to XXXX cell phone service due to XXXX having a promotion that they would pay " your last month 's bill '' with your current cell phone carrier. 

I was told in the XXXX store that XXXX did indeed pay my last bill. XXXX is saying that the account had to charged off and they had no record of XXXX paying my last bill. Now this is in collections and showing negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: NV

Complaint narrative:
I needed money to pay for my moving expenses. I took a title max car loan. I 've tried to keep up with the payments but fall short so my payments are late and include a hefty penalty payment in addition to interest. I failed to make the XXXX 2016 payment on time and called loan mart to explain. XXXX XXXX, 2016 I tried to make an online payment but was denied. This payment would have covered XXXX 2016. Another payment of {$350.00} was due XXXX XXXX, 2016. I do n't get paid until the XXXX of each month so I would be late again. My plan is to pay the entire bill with large lump sum payments. The problem is the amount that is added to the principal balance makes it difficult to pay the loan off. My car was reposed this morning. In order to get my car back, I must pay them {$900.00} which includes towing, paying for personal property left in the car and making a trip to the police department to obtain a repossesion receipt. This is robbery. In fact, there was no grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Due to some financial difficulty I requested from USAA Federal Savings Bank relief on paying my credit card ( USAA XXXX XXXX Card XXXX ) and was granted a two year reduce payment plan were I would pay every XXXX of the month {$170.00} so I can get caught up with bills and not file for bankruptcy. I made payment on time ( through auto draft on my checking account ) until around XXXX 2016 when there was a possible fraud on my checking account. I requested USAA to change the bank draft withdrawal from my USAA checking account to my XXXX XXXX checking account ( Please see attached Letters from USAA ). USAA then withdrew {$170.00} from USAA checking account on XXXX XXXX, 2016 putting my USAA checking account on overdraft. USAA have already made the automatic payment out of my XXXX XXXX account on XXXX XXXX, 2016. I called USAA to ask why it happened and I was told that due to the automatic nature of the draft it was not stopped in time. I asked USAA on how this can be solve and I was told they would cancel the auto draft out of my USAA account and keep the XXXX XXXX auto draft. I was also told that the payment for XXXX XXXX, 2016 would then be applied for the XXXX 2016 payment. I was out of town last week and when I got home yesterday ( XXXX ) I received a mail from USAA ( see attached mail ) that I would be terminated from the program and have to make a full payment of my balance ( over {$17000.00} ) when I called the USAA customer service number. It will be impossible for me to make the full payment. I was hoping that the payment plan would help me get some break will I pay off my obligations. Also, my USAA XXXX card have a feature of cash back that I have over {$1000.00} in cash back that could be applied toward my balance which as of now I can not access. I am not asking for forgiveness for the credit card debt, it is my obligation I just need time to make the payments. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
XXXX opened up an account for someone and used my name and address to commit fraud against me. 

The account was closed and sent to a collection agency that illegal found my social security number and linked a bad debt account to my personal history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Capital Management Services, LP
State: WA

Complaint narrative:
The collection agency was advised in writing that the debt had been discharged in bankruptcy and that it was not to contact the debtor again since its calls violate federal law. They continue to call and now are sending letters to the attorney who advised not to call the debtor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
A company called National Credit Adjusters called my wife and left a message for me to call them back I was to call XXXX at XXXX. I returned the call, she said I owed about XXXX dollars for a XXXX XXXX pay day loan from 2013. I said I do not remember this and have not seen it on my credit report. She tried to talk to me about filing a police report. I asked them to send me the source documents, I asked for any history, contract anything they had, she said ok and put me on hold. Then a man answered who was loud, rude and bullying, he was asking personal questions and refused to agree to send me the source documentation or history. I was nervous because they knew so much of my personal information, he even went as far to ask if I was married and accuse my wife of taking out a loan and not telling me ( I wasnt married at the time of this supposed loan ). I asked to speak to a supervisor several times, he kept saying ok but continuing to ask me questions and would not agree to send me the history of the account. I wanted the history of the account, so I can see for myself what it is and research it. They kept asking if I was claiming fraud, I said I did was not because I need to see the documents and review them before I decide if it is something I did or paid or what it was in regards too. Finally they transferred me to a supervisor, he said he was the floor supervisor. He was polite and apologized at first for the other individuals comments. Then he started asking me very personal questions and I refused to answer. I gave them my updated address and asked for the source documents again, they claimed they did not know what I meant. I specifically asked for any history, contracts, original creditor info or anything they had, they said they would file it as fraud and kept asking if I was claiming fraud and what my bank account number was. I just kept asking to please send me the information. Then he said he was going to sue me, I said go for it, he said now I have you recorded saying to sue you, I said if that is what it takes to see the documentation then ya sue me. I also informed them I was military, the man then said he was a XXXX XXXX ( was obviously lying ) and said I would be in trouble with the XXXX for this. I am nervous about how much they know about me, they new my family members, old addresses, and the banking institution I use. They were defiantly harassing and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: WA

Complaint narrative:
I have applied loan from Spot Loan {$800.00}. I have found out that their fees is too high and they do n't have license in state of Washington. I asked want to pay principle balance only. but they did n't agree. and Now collection company harassing and threatening me by phone every day to collect more than principle amount. They said they 're going to sue against me.

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 2016-09-02 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
I do not dispute that I took out a payday loan with XXXX but I repaid the loan years ago. I had to get a mortgage in 2014 and ensured my credit report was squared away well in advance of the home purchase. It seems documentation of the repayment has become lost in the shuffle as the debt was bought and resold ( who knows how many times ) and a new random debt collector has reported the debt back to all XXXX major credit bureaus. I 've disputed with all XXXX, XXXX came back as deleted, the other XXXX show 'remain ', I called this debt collector ( Midwest Recovery Systems ) and XXXX woman told me they were updating it all to 'delete ', and today 's call with a gentleman said they had plans to rereport it to all XXXX bureaus. This is very upsetting. I paid this money back in full years ago. It 's not my fault the documentation on the debt collector was lost or not retained. My wife lost her job last year and I need to refinance my mortgage. With this on my credit report, I 'll get a less favorable interest rate when I refi. I also need to buy a new car next year and this will impact me there, too. I do n't know who else to engage on this, but the burden of documentation should be on the debt collectors if they 're so easily able to buy and resell debt this way. How on earth can a consumer ever know when this is happening, especially in error, until it slams their credit score?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
I am very deceived of the way Penny Mac has handle my loan. I submitted a modification packet to them since XX/XX/2017 to be review for a possible work out option, in my hardship letter I explain the reasons why I was not able to keep up with my mortgage payments. Due to me losing my job Penny Mac in demanding more proof I mean I am not paying my mortgage payment because of my loss of income. I was been forced by my ex employer to resign. I did n't want to lose my job however ; my XXXX has moved in and she is contribution towards my house hold income. I am working now but the money I am receiving is not the same, therefore I am hoping to be provided an affordable mortgage payment, so I can be current once again. My intentions are to keep my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Hillcrest Davidson & Associates
State: OH

Complaint narrative:
I have a security alarm account with XXXX XXXX that was sent to collections XX/XX/XXXX. The last bill I received from XXXX XXXX was XX/XX/XXXX and states that I owe {$210.00}. In XX/XX/XXXX I received a bill from Hillcrest Davidson stating that I owe {$430.00}. I called XXXX XXXX and asked them how much I owe them. I spoke with XXXX customer service reps and they both told me that I owe {$210.00}. I asked them why was the collections agency charging me {$430.00}. I was told by XXXX reps on two different occasions that the collections agency was charging me fees. I filed a complaint with the XXXX because this means that Hillcrest Davidson is charging me {$210.00} for fees. Harrison Davidson responded to my complaint and said that XXXX XXXX added fees to the account. I responded by telling them that XXXX XXXX told me that Hillcrest Davidson added the fees not them. I 'm still waiting for their response.

Company response to consumer: Closed with explanation