vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
When you think of danger and consumer XXXX - the CHAIRMAN OF USSA BANK AND ALL AND I MEAN ALL OF ITS PRODUCTS are not the top of the list, but the very top of the list. Federal Trade commission is still a little blind to this, I do not know if there is something going on under the table with this company cause I know thousands and thousands of people who have had similar issues like me. CEO XXXX my life, destroyed it, he lied and LAUIGHED VERY HARD over the phone telling me he enjoyed keeping and taking my money. All my bills paid on time, all insurance issues, I did reports and police reports and all. USAA BANK illegally closed bank account and kept money and they have not complied with the law and I can prove it this is XXXX of over 75 legal issues I have I want justice and regulators get on the ball with this company and fire CHAIRMAN, ceo XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX needs be put in jail for fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have a checking account at USAA bank. Someone, a third-party criminal of some sort, wired in {$4000.00} and withdrew the money in {$900.00} increments from an ATM in Florida. I have never been to Florida. The bank made me aware of the fraud. Separately, I have {$1300.00} in an investment account to buy and sell stocks. I asked USAA bank to wire this money to a different bank, XXXX bank. The request was made Monday, XXXX XXXX in writing. USAA bank has thus far ignored my request, on the apparent grounds that my checking account is - {$4000.00} as a result of the fraudulent activity which is not my fault described above. The bank has also frozen me out of my own accounts online, and not given me any information about them. Their excuse is my accounts are " under review '', a phrase that has no meaning at all in banking

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Clear Debt Solutions, LLC
State: AL

Complaint narrative:
A gentleman by the name of XXXX XXXX called me at my place of employment. I told him it was not a good time and to remove the number. About 10 minutes later, my cell phone rang and I asked for an address to send them a letter requesting verification and was told no. A few minutes after that, I received another call saying he was told by his compliance officer that he had to do what I was requesting. I requested no more calls and had gotten nothing until XXXX/XXXX/2016. I received a robo-call while driving. I called back and said I did not want them anymore and the man who answered got irate with me and I told me they would continue doing it until they got what they wanted and I could not make request of them. I hung up. He called back immediately and left me a nasty voicemail. I have verbally requested to know what this debt is, no more calls and robo-calls and all I get is threats to sue me and send people to my place of employment, which they leads their calls with ... " Hi, you work for ____ and we will come there. '' It is extremely unprofessional and in violation because they do not want to respect what I say.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-06 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: GA

Complaint narrative:
When I vacated a temporary corporate apartment in XXXX XXXX, I closed an XXXX account. I still had XXXX active accounts with XXXX XXXX XXXX and they also had authorization to debit my checking acct for payments and my forwarding address, phone and email information as well. XXXX XXXX XXXX did not debit my acct for the final payment, but rather, mailed a bill to the vacated address instead of the forwarding address they had on file. As a result, I never received the bill. XXXX XXXX XXXX failed to use reasonable means to notify me of the outstanding balance. It is my understanding that they then sold the outstanding balance as a " collection account '' to Diversified Consultants ( DC ). DC failed to use reasonable means to contact me at my current address or phone as well before reporting a collection acct to the credit bureaus ( including XXXX, possibly others ). 
When XXXX notified me of the collection acct, I contacted XXXX XXXX XXXX and paid the balance immediately, on XXXX/XXXX/XXXX. The XXXX XXXX XXXX rep stated that she had located the closed acct easily because it was linked to my current acct, confirmation that they had current contact information that they failed to utilize. The rep acknowledged the error but stated that only DC could remove the collection from my credit report. 
On XXXX/XXXX/XXXX, I spoke with XXXX XXXX at DC, who stated that if XXXX XXXX XXXX authorized them to remove the acct from my credit report, they would do so. On the same date, I spoke with XXXX at XXXX XXXX XXXX ( employee # XXXX ) who said their Accounts Receivable Dept had confirmed that they would notify DC to remove the collection acct from my credit report. She stated twice that the acct would be removed ; not just show a {$0.00} balance. I then called DC back and employee XXXX XXXX assured me that they would remove the collection acct as soon as they received the notification from XXXX XXXX XXXX. 
On XXXX/XXXX/XXXX, I contacted XXXX XXXX XXXX again and employee XXXX stated that she had other customers to help and would not help me as XXXX XXXX XXXX no longer had authority over the acct once it was sold to DC. I contacted DC again and employee XXXX XXXX stated that they would not remove collection accts from credit reports regardless of the circumstances. 
XXXX XXXX XXXX and Diversified Consultants have violated the FDCPA and FCRA by failing to use reasonable means to notify me of the outstanding balance and reporting the balance as a collection acct on my credit report, and refusing to correct the error once it was identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XXXX XXXX, XXXX USAA, had debited my checking account for {$56.00} for payment to my closed Credit Card ( CC ) Acct, without myself scheduling the payment on their bill pay or my authorization. So they applied a credit card payment reversal to my chking account. iI later that day did schedule payment for my closed cc account. When I received my XXXX statement for my open cc account, I noticed USAA charged my open cc account {$56.00} and applied it as a payment to my closed cc account and my scheduled payment. So XXXX payments were applied to my closed cc account. On XXXX XXXX, XXXX, I called USAA and they said it was an error on their part. Because they made this error, I thought I 'd look over my closed account statement closely and I noticed that USAA had increased my interest rate on my closed credit card account from 7.15 % to 7.40 % back in XXXX XXXX WITHOUT NOTIFYING ME. This account has been closed over 5 years now and have been paying a fixed interest rate of 7.15 % when I closed this account. My earliest bank statement that i have indicating that i was paying this interest rate goes back to XXXX XXXX. I called USAA and they said there was nothing they could do. 
My complaint is, why is USAA increasing my interest rate on my closed credit card account when it has been closed for over 5 years now. Does n't opting out protect my outstanding balance at the lower interest rate at the time my account was closed? Does n't the Credit Card Act prevent banks from increasing interest rates on closed accounts arbitrarily? USAA had not been receptive with me when bringing this situation forward to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Completed refinance with I Mortgage Company from previous lender XXXX XXXX. Loan closed early XXXX. My first payment due date was XXXX/XXXX/2016. I 've made both XXXX and XXXX payments and have statements from IMortgage as both cleared with my bank ( XXXX/XXXX/16 ) and XXXX/XXXX/2016. Receiving notices and threatening phone calls from IMortgage that they have n't received payments. I have spoken with them twice and they state it takes up to 60 days for " their system to update ''?? Just received another statement from them asking me to pay for XXXX and XXXX as well as upcoming XXXX payment. Again both payments have been made and I have Loan Statements from IMortgage. They requested and I sent to their Research department information with supporting documents.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 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: NV

Complaint narrative:
I have been the victim of identity theft twice in the past. Diversified Consultants, purporting to represent a debt with XXXX ( a company I have never done business with ), has been unable to validate this debt which is, additionally, outside the statute of limitations. This company persists in placing fraudulent negative reports to my credit monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 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: RI

Complaint narrative:
I received a letter from Diversified Consultants claiming that they are trying to collect a XXXX debt from a XXXX account. I never had XXXX so I know this could not be me. 

I received the letter on XXXX/XXXX/2016 and instantly sent out a debt verification letter, in response they just sent back a letter with a photocopied bill. The bill showed just the name XXXX XXXX and nothing else. There was no signed contract or pedigree information. There are several XXXX XXXX that live in my area and I know that this is not my account. At the bottom of the letter they responded back with it said " this is not an attempt to collect a debt ' I recently got a notification from the credit bureaus that Diversified Consultants has reported negative information to the credit bureaus on me. This is not right and is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Southwest Business Corporation
State: TN

Complaint narrative:
I applied for a FHA/HUD loan with SWBC Mortgage, XXXX, TN. I submitted all paperwork and documentation to receive a pre-approval, GFE, and loan was sent to underwriting after submitting a letters and other documents to processor. I was called on XX/XX/XXXX by loan officer XXXX XXXX and was told that loan was denied because of statement in letter regarding " why '' I amended XX/XX/XXXX taxes. I stated it was the request of a former lender ( XXXX ) in which I did not close on foreclosed home. I scheduled a meeting with XXXX and his supervisor. I was informed that I was committing fraud and falsifying documents. I informed SWBC I did nothing wrong. I do not know anything about their industry as I am ignorant to the lender/mortgage industry. I 'm working on becoming a XXXX time homeowner. I did what the lender requested of me. I asked that they call FHA/HUD while in their presence to verify what was stated and amendment of taxes is illegal and verifiable reason for loan denial. Unfortunately, XXXX ( FHA/HUD customer service line ) stated only an underwriter can speak with HUD underwriters to get the information. Also, I requested the SWBC 's underwriter to send me documentation of the information as I may have to retain an attorney due to the implications of fraud ( me and/or lender ). I was told by XXXX supervisor that XXXX underwriters of SWBC have denied the loan. I 'm still awaiting the denial letter from SWBC Mortgage and the information from the underwriter that verifies I have committed fraud via FHA/HUD policies and they have the right to deny me the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I spoke with Kohls/Capital One about my charged off credit card. I came to an agreement with them of 60 % of my full balance which came out to {$350.00}. I asked them if they can provide me something in writing prior to me making the payment. They said " we do n't provide that because people would sometimes get it, then never pay ''. I then asked if they can just fax or email me something stating that they agree to settle the balance for 60 % and report it to the XXXX credit reporting agencies as paid in full for less than full balance. They said they will report it as a XXXX balance to the XXXX credit bureaus and it will be paid in full for less than full balance, but they can not put that in writing until after the payment is received. I then said ok and made the payment. I then asked for it and he said that i needed to wait a couple of days until the funds cleared. I said ok and called back 2 days later. They confirmed receipt of the funds but said the only way i was able to see a XXXX balance was to login to my online account and print the transaction history. I tried that and it said that my account is closed and can not access the transaction and payment history. I called Kohls/Capital One back and they said that I still had a {$230.00} and some change balance!!! I am very upset because they said that I would be able to get the balance paid in full for less than full balance. I spoke to another friend and they are going through the same thing with them. 
I decided to call a lifelong friends son that works in the XXXX and signed a power of attorney with him. He called and let them know what they are doing is against the law. He also ordered them to pull up the tape of the customer service representative and have a manager listen to it. He also requested his conversation with them to be recorded and asked them to have that recording ready for the Consumer Financial Protection Bureau. He then asked me if I was comfortable with coming on here to this site and fling this complaint. I do n't know why these people take advantage of me but this is absolutely hurtful because all i am trying to do is purchase a home and this is what i need to do. Next step is to hire my attorney to take them to court for loss of my earnest funds on my home and for damages. I will be calling them again Monday and if this has not come to a resolution by then I will have no other choice in doing so. 

Thank you for listening

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Months ago, I received a call from Capital One. One of my accounts, which had been dormant for months if not years, had a fraudulent charge, which they said they would refund. They did not refund it, so I called them again when I got a late notice, and they refunded it -- but then interest and fees appeared on the loan. Again, I called, and again they refunded everything. Then I got hit with another past due fee and another interest charge. This has happened 4 times now, and I have been reported as late to the credit bureaus, even though I have not used this card at all in years!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I was called by a USAA Bank XXXX, during the discussion the lady made the statement that we checked the taping of my phone discussion, I was surprised, I was not told that they were taping me, I feel my constitutional rights have been violated, plus is there not a federal law against WIRE TAPS with out a judges approval???? + also not informing me that I 'm being TAPED???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
A charge of {$520.00} from " XXXX '' was entered on my USAA Credit Card on XX/XX/2016. I attempted contact with the merchant and was unsuccessful. [ The 'merchant ' is listed on the url as " XXXX '' with which I have no affiliation, nor have I ever purchased or donated to them. The phone number associated with the 'merchant ' is : XXXX. Reverse Lookup shows it belongs to one XXXX, IL XXXX. I do not know this person ... In the meantime, on XX/XX/2016 I contacted USAA to dispute the charge. Though the charge was reversed, at that time, it reappeared on my XXXX statement. I contacted USAA again to dispute and was told that their investigation was 'unable to determine why you believe the transaction is not valid ' [ This in a letter which I subsequently received dated XX/XX/2016! Attached ] I contacted USAA again to dispute the charge on XX/XX/2016. They, in turn, XXXX a replacement credit card and again gave me 'temporary credit ' for the charge.They also agreed to have someone from their fraud department contact me, within 48 hours, to further discuss the issue. The phone call never happened, but I did notice in checking my statement balance on XX/XX/2016, online, that they had reapplied a credit of {$520.00} to my account. That was the THIRD time ... To my dismay, anger actually, I checked my statement balance online again on XX/XX/2016 and found that the charge was again on my account. 
I have contacted USAA on numerous times in attempts to resolve this issue and frankly do n't know where to turn from this point as those contacts have proven fruitless!

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: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
This is a detailed Email from my Realtor : to the COE of XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX '' We have sent everything ( XXXX ) need to process the loan for XXXX XXXX XXXX, XXXX at least two weeks ago and we still do n't have a closing package at the Title company for the HUD and closing. 
This is a Fannie Mae loan and I have been telling everyone all along and especially over the last two weeks that we MUST HAVE THE FILE TO TITLE 48 HOURS BEFORE CLOSING. 
The file was complete Thursday, XXXX XXXX with corrections on name and ready for underwriter. I expected to see it arrive at the Title company and have a HUD done on Friday only to be informed by your local representative, XXXX XXXX, that nothing had been done yet but should be done by early week. 
I requested the file to be complete and sent to title on Monday so we could close on Wednesday. Your employee XXXX XXXX stated that " closing date is XXXX XXXX so the file will be there the XXXX ''. A FANNIE MAE LOAN NEEDS TO BE AT TITLE 48 HOURS BEFORE CLOSING!. 
I have talked with XXXX and he can not seem to get the file escalated enough to meet the deadline as of yet. WE have 2 hours to meet the deadline - see email from XXXX XXXX at XXXX XXXX. If it is not there by XXXX EST, we will not make the closing. 
My buyer has given extra time in planning his life ( we have moved the closing from XXXX/XXXX/15 to XXXX/XXXX/15 to XXXX/XXXX/15 ) but we have maxed out his time. He will be without a home XXXX if this does n't close on time ''. 

No one took the time to explain to me why we could n't close on each of the previous times listed. This has been a great waste of time and money for me. Now as of the XXXX of XXXX I will not have a place to call my own due to the fact that I picked XXXX as a lender for my XXXX loan. Overall this has been a awful experience. I am disappointed, angry and very unhappy. For more than a month, this has been happening. Thankfully, I have detailed email threads for proof and investigation by attorney. 

Hope this helps someone. 
Thanks 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 2016-05-28 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:
This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid.

Company response to consumer: Closed with explanation