vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-10 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: CA

Complaint narrative:
more than 2 years ago, I ordered a phone XXXX on-line, while the phone was said to be out of stock online after I had placed the order I called an agent and asked them to cancel the order, the next day not only did I receive XXXX phone, but XXXX. I rejected the receipt XXXX and sent it back to XXXX, what was I to do with XXXX phones? Since this was a very high end phone, it required a high end data plan. which I got. On a monthly basis I kept getting billed for XXXX additional lines ; 1 ) for the phone I kept 2 ) for the phone I sent back. I called XXXX about this and they said that they had not received the second phone yet but that I should check back. A few billing cycles had happened and I kept paying it. My account then had gone to collections as I refused to pay the excess fees because I only had XXXX phone, their records did n't show any calls coming in to the second line they were charging me for. My account was sold to the collection agency called Diversified Consultants with whom I tried to settle. Before I tried to settle I called XXXX and asked them if they had received the phone in their inventory, by then they said yes, but I had to deal with the collection service to settle the account. I spoke to an XXXX XXXX, several times to attempt to settle this, even though they say the conversations are recorded for quality, they have still not been able to produce XXXX. They agreed to take XXXX payments from my account totaling {$450.00} to clear this debt up and to send them a letter. This was back in XXXX 2014. Recently I ran my credit report to see if I could qualify to get a home loan, and this thing pops back up in my credit, but now the account has been sold to XXXX XXXX and there is still a balance of {$800.00}. I called XXXX XXXX and explained my situation and they were unable to help me as they said I needed to get a receipt of payment from Diversified Consultants. I called Diversified and they are not stating that all I paid was the fees I felt I owed and not what was really due, that I had to dispute the rest of the amount XXXX, I asked them what about the letter I sent them, they said that they did not receive it. I have moved and can not locate the blasted letter but I know I sent it. I 've tried to get a hold of them, they are not helpful. I spoke with someone who actually wanted to help and said they would send me a letter confirming the amount they had received. I received the letter a week late stating that I still owed THEM XXXX {$800.00}. I received the letter by email, attempted replying to it and the email bounced back. I also attempted calling and only go routed around and eventually dropped. I need this removed from my credit report, it was a mistake on XXXX behalf not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE

Complaint narrative:
On Friday, XXXX XXXX, I overdrafted on my USAA checking account as I did n't move money over from my USAA savings account quickly enough. This of course is my error. My concern is that my USAA XXXX which is where my overdraft is linked to had the {$700.00} cash overdraft posted as of XXXX XXXX but the {$700.00} is still not deposited to the USAA checking account. When I called this morning and spoke with XXXX and XXXX, I was advised that because it was a weekend that the {$700.00} deposit would n't most to my checking account until Monday or Tuesday. I confirmed with XXXX as I suspected that interest begins billing immediately on the {$700.00} cash advance ( so as of Saturday morning ) yet I have yet to see the {$700.00} post to my checking account. I feel that this is a UDAAP violation. How can they charge interest on my credit card for {$700.00} when I do n't have the {$700.00} in my checking account yet? Seems like a control break in their process since they do n't appear to process certain transactions on weekends. This is not my issue and should not fall back on the consumer. I would like to ensure that I am not charged for interest until the {$700.00} is in my account. Which I am still waiting for as of the morning of XXXX XXXX ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XXXX I called USAA Savings BankWhere I have a checking account to inquire about my account and why it was overdrawn. With no help or resolution on XXXX diffrent times I asked to speak with a supervisor finally I did. He was rude and I had to ask what his position with the bank because when the call was transfered. He just said hello how can I help you. I asked could he help gi over my transactions. He said you should know didnt you swipe your debit card. I told him was XXXX the mosr unprofessional people I had ever spoke with. He kept mocking me and would say he doesnt understand my question and he doesnt know how to help. I ended the call. About XXXX hrs later I went to go login to my account I was locked out so I called the number it instructed me to. 
The representive asked did I forget my pin zi said no. So she reset it. Then I asked who locked me out of my account online she said she didnt know and she would transfer me to the main customer service line. I did speak with a knowledgeable rep we went over all my transactions and posting dates. Just like a senior rep was aware I get paid weekly. I was informed my account had been reviewed for fraud but then it was competed. And she said someone put my account in a credit only ststus. She said when I get paid it should clear. She said my account was fine. On XXXX I logged into my account to see a pending/hold on my current balance. So I called in and was told my account is going to be closed and no explanation to why. So I explained to the rep I get paid every week. She said well I will get a check in 10 dsys when my deposit comes in. I explained to her I have XXXX small children. I hadnt done anything wrong is to why I cant access my money when I get paid. I asked to speak to a Supervisor he was polite but still of no help. He said my account was under review and until it is complete I have to wait. I asked why I never had any disputes or reported fraud. I get a simple pay direct deposited in my account each week. 
Its now Thursday and Im not allowed to simply withdraw XXXX the deposit amount was XXXX but USAA took the XXXX but still refuses to give me my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 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: NM

Complaint narrative:
at one time my daughter was on my XXXX bill i changed carriers later at some point she got her own account selling her a bunch of stuff she did n't need & could n't afford abt 6 months later i discovered sprint debiting my credit card with her debt i made them refund it also told them she was to pay her own bill she got out of a job could n't pay bill they cut it off i just found out thru credit karma a month or so ago they had turned it over for collection i do n't owe the bill if they insist i will sue them for debiting my credit card my daughter did n't have access to it the only way they could have gotten is by saving number in data base because i only used credit card when i bought something

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: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Threading to take action against myself and contacting others on my reference list about my bill violating my privacy laws in the state of California. Threatening via email XXXX a violation of my rights in ca ... .California has laws regarding debt collecting that 's does not change as you feel it should learn the Laws in California ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
The XXXX XXXX XXXX of XXXX keeps contacting me in regards to a {$75.00} debt I already paid to XXXX XXXX Health Center last year. After every attempt to contact me, I have informed them the debt was paid and to stop calling me. I have stated numerous times they need to update their records. I have called & informed XXXX XXXX Health Center as well. I have asked they write me a letter stating this debt was paid as an addition to this complaint. I refuse to have this affect my credit due to their incompetent work ethic.

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 2015-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Clear Debt Solutions, LLC
State: TX

Complaint narrative:
HAS REPEATEDLY CALLED MY WORK NUMBER AND DISCLOSING INFORMATION TO CO-WORKER

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CONDOR CAPITAL CORP
State: PA

Complaint narrative:
I have been paying on a loan with condor capital the branch in New York was shut down on XXXX XXXX, 2015. A branch in CA took over and records were not transferred correctly,, I 've been making my payments and on XXXX XXXX, 2015, went outside and my car was gone. Now prior to this, my car payment is XXXX a month, I made a payment on XXXX XXXX, 2015 for XXXX and had payment arrangements for another to be taken out of my accounts on XXXX XXXX, 2015. They took the monies on XXXX XXXX, but never credited my account, and have not credited my account for months. I 've supplied them with bank statements and to no avail, no car back yet. I 've had to get an attorney involved. I want to, know what they are doing with my money??? I know for a fact in NY they pocketed over a XXXX XXXX in customer payments. I have correspondence that I have from condor capital showing all payments were confirmed from them. And bank statements showing the transactions. But still the balance on my account keeps getting larger. Ive asked them once they 've researched everything provided are they going to bring my car back and the stupid response I get is " We may request the balance in full '' I am not in default on my loan, and if I could afford to pay this loan in full I would n't have a loan. I am only including a small portion showing payments have been made, I even paid extra several times. As you will notice on the invoice I am sending from them there is no payment posted for XXXX XXXX in the amount of {$410.00}. I have all correspondence if needed as well as all of my bank statements. I had questioned them on XXXX XXXX about the info they were showing, and they never contacted me as well. If I had a customer questioning the account that would have been a priority, not just have some slime bag come to the house in the middle of the night and pick up my car when I live in the middle of no where with XXXX children and have health issues.

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 2016-06-28 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I had a loan for XXXX which interest will XXXX so i pay XXXX off t loan and they still saying I owe them XXXX plus interest wich is 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 2017-02-15 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: NJ

Complaint narrative:
Keep calling me and asking for someone else. Wrong number?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I initiated a dispute on XXXX XXXX, 2015 regarding a charge to my USAA checking debit card from XXXX for {$54.00} for wi-fi services that I did not receive. USAA requested the SAME information over and over and over and over, which I provided at least five times ( four times via telephone and once via fax ). Every time I call, I 'm told that they need THE SAME INFORMATION. I have provided everything they 've asked for at least FIVE TIMES. They refuse to do anything further. I believe that they are intentionally stalling so they do n't have to do anything. USAA service is simply horrid. What happened to this bank? They used to be decent!

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 2015-11-21 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Please see related CFPB complaints Case number : XXXX ( also attached ) I have received XXXX different verbal answers by USAA reps via recorded line, and now XXXX different decision letters from USAA bank all within the same week. 

This recent letter seems rather vague and ambiguous. I fear there may be some issues here incuding, but not limited to Truth in Lending Act. 

Furthermore my original complaint was based upon double inquires on my equifax credit report by USAA and the way that I was lied to by USAA stating that it would not affect my credit as long as they were running my credit within a 48 hour window of the first app. Not the case, credit has been lowered because of this too. 

There is something very wrong going on here with USAA. 

cc : XXXX XXXX XXXX XXXX. Consumer Protection Attorney XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXXcc : Office of the Comptroller of the Currency ( OCC ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

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 2016-11-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I was applying for a refinance loan from Loan Depot. I submitted all of the loan paperwork requested of me by XXXX/XXXX/16. I was told everything was fine and that we would be good to get the loan approved and funded. This was a zero closing cost loan. On XXXX/XXXX/16, I receive a call from loan depot asking me to retrieve additional loan paperwork documentation for additional income verification and income ratio documentation. This would normally not be an issue however I was told that if the loan did not process by XXXX/XXXX/16 that I would be subject to an {$1100.00} " rate lock extension '' fee. Given that XXXX/XXXX/16 was the day before XXXX weekend and I was going to be out of town the entire weekend, I would likely not have all of the paperwork in time and processed by XXXX/XXXX/16. I felt this was a bait and switch tactic used to extract a made up fee from me when the delay was completely the fault of Loan Depot. I also believe they wanted this to fail because interest rates had gone up so they felt they could excise this fee on me because I would not want to lose my rate. 

I believe this to be the case because the call for extra paperwork come in over a month after the initial documentation and was timed right before XXXX to make it nearly impossible to avoid this fee. Loan Depot was characterizing this as if it was my mistake when they had ample time to process the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Credit & Collection Corporation
State: LA

Complaint narrative:
The company Global Credit and Collections aka XXXX aka XXXX are trying to recover a debt that I forgot I had it was over 16 years ago, or I may have paid it. I got a phone call, missed it and over heard the voicemail. Days before I received a letter which I notice had me to pay overXXXX, never had debt like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: First Data Corporation
State: IN

Complaint narrative:
I Canceled my Credit Card or Merchant Services company and then got hit by predatory fees. I called to cancel was given instructions on returning the Credit Card terminal which I followed & from that point forward they began pulling money from my account through ACH charges. I attempted to handle it through my bank but because it 's a business account, I would have to catch the charges within 24 hours. Prestige & First Data know what banks can and can not do so they are VERY sly in changing dates, numbers, and descriptions so my bank can not just deny future charges because they will change an amount, description, or date just enough that a database can not see it. 

The Merchant agreement was sold as a FREE service with only standard % per transaction fees, $ per swipe, and NO monthly fees or charges for equipment. 

This is predatory and malicious behavior when I did my due diligence to cancel & follow all protocols as stated on the phone during cancellation. I also have my current company that offered them reimbursement for an " CANCELLATION FEES '' but they claimed there were n't any. 

I am a sole proprietor and really need your help getting my money back and stopping this company from future business dealings with me or others who might fall for the same lies played on the sales calls. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
This loan is with Wells Fargo. The account number is XXXX. My credit report says that I am current, current but past XXXX days XXXX times. I was not. In XXXX of XXXX I was late with a payment. I was under the understanding that all the money that I had paid extra each month had me paid ahead and I was under the understanding that I was XXXX months ahead. It was applied to the principal. As soon as I found out that I was late I paid the money. That is the only time that I was late and not 30 days late. They have me listed as late in XXXX, XXXX and XXXX and I most certainly was not 30 days late and have the canceled checks to prove it. I have disputed this account many times including with XXXX. I pay my mortgage regularily and have not once been 30 days late. They ca n't even get the dates right. Each time I dispute the accusation, all I get is the response, no that is correct and that is it. They ca n't respond anymore than that because the dates are wrong. On my home equity line of credit, they have me listed as late once. NO I WAS NOT. They have the wrong account number on the pay stub every month. My accout ends in XXXX and the stub always ends in XXXX and until it was caught they called me late. To this day is still says XXXX and I have to cross out everytime before I pay or I am stuck in line for a half an hour while they try to figure it out. I have called and complained on this as well and they simply say no it is correct. This bank is run by idiots and is a crime to anyone with common sense. They are only trying to hurt me and my wifes name because we got an attorney involved to dispute fraudelent charges on some lines that we had. I have been told by a friend in upper Management at Wells that Wells has contacted all of the local banks and not to lend to me and that Wells is to be contacted if I go to their banks looking for money to borrow. This is black balling and is a crime in the United states of America and suit will be pending if this is not corrected. This is a serious crime and demands direct attention.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank ( 1 ) Opened multiple account when not necessary, ( 2 ) charged fees on accounts that were supposed to be " free '', and ( 3 ) charged " Direct Connect '' fees, but called those fees as " QuickBooks '' fees on my bank statements when I never used the Direct Connect service.

Company response to consumer: Closed with non-monetary relief