vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
Filed a dispute for charge of XXXX to my account. Company did not send product. 
Was told by USAA customer rep the company had sixty days to dispute my claim. If they received no dispute from the company the charge would be permanently removed. 
After filing the complaint the company sent me the product. 
I contacted USAA and told them it would be fine to keep the charge of XXXX on my accountWas told by USAA customer rep that the company had to dispute the claim. 
So I called the company and told them they had to call USAA and dispute the claim. 
Was told by their customer rep they did not know how to handle it and never received anything from USAA disputing the charge. 
I then called USAA AGAIN and talked to a customer rep who told me he could just removed the transaction and I could then send the company a check for XXXX. 
I agreed. 
I received a letter from USAA stating the transaction was removed. 
I sent the company a check for XXXX by priority mail and tracking number. The company received the check. 
I then received a second letter from USAA stating the charge was removed from my account and no further action was required on my part. 
A few days later I checked my account with USAA on line and discovered the charge of XXXX was again placed on my account. 
I called USAA AGAIN and spoke with another customer rep. He did not have any answer as to why the charge was again put on my account. He gave me a song and dance routine that stunk. I received XXXX letters from USAA stating the XXXX was removed. And sent the company a check for XXXX. Now the company will receive XXXX twice. Once from my check and the other from USAA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I went online to USAA to get a secured credit card during purchasing the secured card online USAA 's system charged me twice and set up two secured credit cards when I was only trying to get one. I had to take time out of my busy work schedule multiple times to try and resolve this issue. After speaking to multiple customer service reps I was told this issue was resolved. Only to find out that not only has this affected my credit, the thing I was trying to repair in the first place, but now they are trying to charge me for the additional card that I never wanted in the first place for which they told me the issue was resolved. I tried to make a formal complaint to the executive office at USAA I called XXXX with executive resolutions 5 or more times and never received a call back for any resolution. This bank refuses to return my calls. This has put my ability to repair my credit and use my VA home loan for purchase of my families first home to a complete STOP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
Diversified consultants rep called I did n't recognize the number. Caller ID stated number with no name. I thought it was spoofed, so I asked the rep why didnt name of company come across. Rep Would n't provide me all information I requested. When I asked them not to call me anymore, rep started yelling and arguing over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On several occasions, I mailed letters to all 3 credit bureaus. 

EQUIFAX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

Equifax mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX/XXXX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX bank about alleged late payments. They were unable to verify my late payments and forwarded me letters to send out to each bureau, they refused to update the account. 

Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XX/XX/XXXX Equifax mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX bank about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

Equifax Mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX ( they submitted a letter of removal to the credit bureau and they still have n't removed this ) XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX bank about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS Due to the delay of the credit bureaus response, I have been forced to freeze my accounts until this matter is taken care of. 

I am an XXXX Service Member Currently XXXX since XX/XX/XXXX. I had my power of attorney take care of the credit matters and they have n't gotten any response. It is appalling that serious matters like this are dealt with no sense of urgency and nonchalantly. Please contact me at the earliest convenience to deal with this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Genpact Limited
State: TX

Complaint narrative:
A debt collector, Genpact, LLC, contacted me in XXXX, XXXX, stating that I owed my former health insurance provider more than {$1600.00} for pharmacy claims that were submitted to the carrier - and for which the carrier paid - more than 30 days after the policy had been terminated. I had never been contacted by their client - the health insurance company - about this debt and the collector contacted me almost a year after the policy had been terminated. I sent a letter to the collector within the 30 days of receiving their letter, disputing the debt. I told them it was not my fault that the insurance company made an error and paid money on claims more than 30 days after the policy had been terminated. I requested the collector to provide written proof that I was financially responsible for this debt. The debt collector called me in XXXX XXXX and stated that they received " proof '' that the debt was mine. The " proof '' they received was a phone call from their client, asserting the debt was valid and belonged to me. I told the collector this was not acceptable and that the law requires them to provide proof that the debt belongs to me in writing. I then filed a complaint with the California XXXX XXXX 's office, asking them to investigate this debt because it seems illogical that the carrier could accept and pay claims on a terminated policy and then try to collect the money from me almost a year later. The XXXX XXXX 's office opened an investigation. Immediately after this phone call, I sent a new letter to Genpact, LLC, informing them of this and stating once again that I dispute the debt. Two weeks later, the collector sent me the same letter they originally sent to me in XXXX XXXX, with no additional proof of any kind that the debt belongs to me. I feel they can not obtain proof from their client that the debt is valid and they are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 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: MS

Complaint narrative:
Buyer 's remorse. I ordered a phone from XXXX. When the phone arrived I could not receive a signal at my residence. I had not yet yet disconnected with XXXX which had 3 bars service where XXXX had no bars sitting side by side on my coffee table. I called customer service and tech support and after they could not help me get good service was told to return the phone. I returned the phones to them the next day as instructed. I have copies of both an email and letter from the company saying the phones were received in excellent condition and within 15 days. The law states if I 'm not satisfied with service for any reason I can return the phones. 
Since then I have received letters and called many times trying to fix what I have been told is a glitch in their system. I can not log into the XXXX side of my account. When I call them they tell me they 've fixed the problem. Then a credit agency is trying to collect so they can get money for phones they already have back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My father and I both have been members of USAA, for over 25 years. Approx.. 2 years ago my father recognized his inability to care for himself and manage his responsibilities and chose to come live with me. In exchange for his living with me and my providing full-time care, we agreed to live off his retirement. I was made his power of attorney and also the executor of his estate. 
My father 's XXXX became progressively worse. His XXXX became prominent. 
In mid XXXX ( 2015 ), while attending to his bills by phone with USAA, they told me that he had " revoked '' the POA. My father never informed anyone of this. Unfortunately, XXXX XXXX, 2015, my father passed away. I do know that my father 's attorney stated that he could not make any changes to POA, as my father was now out of state. And, POA 's need to be changed through an attorney, witnessed. A USAA representative, XXXX XXXX, claims that he could and he did accept my father 's request to revoke the POA over the phone. XXXX XXXX also claims that my father informed him that he was not responsible for any debt in his name, and that I had created his debt without his permission and was using his credit cards without his permission. None of this is true. Without ever contacting me in regards to any of this, USAA, began closing my accounts. 
I was initially told by XXXX XXXX, that if someone could corroborate my claims, things could be reversed. My brother, did speak with XXXX XXXX, but nothing changed. Then XXXX XXXX, assured me a letter from my father 's physician would reverse the actions. XXXX XXXX, and USAA have been provided such a letter. They do not confirm receiving the letter much less take any action regarding repairing the damage. They refuse to discuss anything with me. I live out of country at this time, and I have no way to open new accounts else where, for banking, insurance, investments, etc. Not to mention all of my bills are now behind, and considered past due. I am sickened by all this, not to mention it is in the middle of mourning the death of my father. I have been a good standing member of USAA for over 25 years, and now this. 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 2016-12-24 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: MD

Complaint narrative:
Debtor attempts to collect and refuses to present a verification of the debt, after several requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 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: TN

Complaint narrative:
Diversified consultants provided me with documentation that does not state for the debt amount they are asking for which also did not provide me with the documentation of the debt within five days that I contact the company on XXXX/XXXX/2016. When I talk to the original creditor. The original creditor respond to me that it is about another debt. So diversified is using fraudulent papers in order to get me to pay some one else debt. So in order to get this issue resolved. I am asking diversified to immediate delete themselves off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: International Computer Systems, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I provided First Collection with a certified letter requesting validation of debt. They removed the collection account from my credit report on XX/XX/XXXX. On XX/XX/XXXX, First Collection reported the account again on my credit report. This has continued since XX/XX/XXXX, First Collection removing the account and re-adding the account without validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: MT

Complaint narrative:
I had to research the phone number to discover who the company was. They continue to call my cell phone with a dialer ( There is a long pause and click before a human comes on the line ) despite the technology that allows them to identify the phone number as a cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
They have called me repeatedly today, with 3 of the 4 times being hang up phone calls. I answer, they hang up. After I just made a payment on Wednesday of last week. They have threatened multiple times to end my membership which would also cancel my insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 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: AZ

Complaint narrative:
they called me on the phone at XXXX in the morning I have proof as it was recorded on my cell phone

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Clear Debt Solutions, LLC
State: DC

Complaint narrative:
I have an account through CredX, which is collecting for XXXX. I 've received several phone calls where if I do n't agree to their terms ( I need flexibility ) then they start yelling, interrupting, and using tones that aggravate me when all I 'm trying to do is settle the best that I can. 

VERY FRUSTRATING.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: MA

Complaint narrative:
I received a short period service from XXXX XXXX in XX/XX/XXXX. I closed the contract and XXXX charged me a fee. XXXX tried to collect this ( {$190.00} ) and I did not pay it. For XXXX years this account has been sold to different Bill Collector Companies. Every XXXX years I have different company telling me that they trying to collect this money on behalf of XXXX. Now, the company that has this account is Diversified Consulting ( XXXX : XXXX ). I now is the obligation of creditor to collect debts. However, is there a statue of limitation for creditors to report this debt to Credit Bureau? Every time they sell it to another company, it shows as new debt. For example, I was told by the company that this debt is from the year XX/XX/XXXX. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 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: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from DIVERSIFIED I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against DIVERSIFIED in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
XXXX ( a 3rd party debt collector ) continues to call my girlfriend ( on her mobile phone ) during work hours.The collection agency has been told more than 4 times to not call her. It has been made very clear that she has no relation to the accused debt. The collection company has shared that it is a an attempt to collect a debt with my girlfriend. The debt collector refuse to call me directly so i can dispute the charge, but calls my girlfriend repeatedly instead.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
There are communication between myself and bank but they put as all my fault, I am veteran working away from home most of my times, so I told USAA to take out {$250.00} bi weekly for my car payment, well after XXXX payments they stop and I did n't realized they stop, after 60 days they repo my vehicles and told me I fail to make my car payments, my car payment was {$350.00} a month buy but I been paid them {$500.00}, after I relized they repo my car I called them and ask them why they not notified me they reply that I did not answer my phone! Well they lie to me becauce I did not received any call from them or letter mail? I ask them what number did they call? They said that they do n't have number anymore and other thing is they told me my XXXX bank account is closed, well again they lie, my account with XXXX still active. I ask my bank did USAA try to take any money out? They say NO ... .so I talks to USAA they now say that they only take out XXXX payments, I have to sign some kind of documents for them to take money for car payments??? They been taking {$250.00} out fine? Why they stop and blame on me not make my car payments??? Now I told them it a communication issue between myself and them, they not buying it ... And now they say too late to get my car back! It on auction???? Please help me on this issue! Thanks ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
USAA has decided to give me " limited access '' to their services. Being an online bank, I no longer have the services available to me that I need. For example, they 're reporting on my credit when I no longer have a credit account with them. To dispute this I need to access their online site to get the dispute form. Because I do n't have access I ca n't get the form to dispute the charge. Catch 22. I should have access to at least the most basic forms. USAA has a habit of doing nasty things to customers it finds as subpar. Never mind that I 'm a veteran. they 're really only care about money, and how to get it from vets. Their actions speak louder than the lovely sound bites they put on the radio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
the problem, loan depot authorized the power of attorney for my spouse. to sign for him., I was told, since they approved the POA XXXX HAD TO APPROVE ALSO. IF XXXX REFUSED THEY WOULD TAKE IT TO AN ATTORNEY.. I sent a signed XXXX loan approval 2 weeks ago,, since then I called two times to see what was going on, XXXX times, I was told, IT WAS IN PROCESS OF BEING SENT. I called yesterday to find out what was going on I called XXXX and XXXX, neither one called me back. they had my account for almost 4 months. today I receive a call, that they could not process my refinance, because, they did not approve my POWER of attorney.. my XXXX app never went to XXXX ONE MINUTE THEY APPROVE MY POA, NEXT TIME THEY SAY THEY DID NOT APPROVE IT. THAT is a violation of his rights. also taking al most 4 months to process, which they did n't. that is my complaint

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation