vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-15 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: FL

Complaint narrative:
DIVERSIFIED CONSULTANT XXXX has called me many times stating i will get a arrested if i do do n't pay this debt that i do not owe. they evn told me they had a cop outside my house as we speak,, They have called my work phone n my house phone and even harassed my XXXX XXXX XXXX daughter when she answered the phone. i was told i would go to jail if i dont pay this debt. This debt was for XXXX. XXXX is the one that cancelled my contract due to me not ever having good service and calls dropping constantly. I complained each month. I returned all XXXX cell phones and paid my last bill i was told i would not owe a thing and now XXXX has sold this made up debt to DIVERSIFIED CONSULTANT and they wont stop harassing me. They have this debt ob my credit report as being opened in XXXX 2015 which is false that inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XXXX my account was gotten into on USAA by phone number XXXX at XXXX. At XXXX and at XXXX XXXX attempted to get into the phone automated system. They were able to change my information with only a SSN and birthdate. ( ( When I call I have to provide a pin ). Transactions were made from XXXX XXXX and another in XXXX for on that same night ( they used my debit card for both ). The pin, security questions and password were changed and a new phone number of XXXX ( appears to be texting service out of XXXX was added as my primary number. My account then had a mobile app established on this number which appears to be an Android XXXX XXXX phone. None of these numbers are attached to me or my family nor do any of us have any XXXX smart phones. ( we have all XXXX ) Here is where the NIGHMARE really begins I called USAA fraud department to make them aware that the XXXX number is allowing notifications and it 's not mine. They appear to not be able to remove this device from my profile. The have put in a ticket to try to solve it but it will be sometime next week. So someone has access to my balances and accounts until then even with added security in place. They also can not tell me that after the two week lock out on my account if someone will be able to call in and do this again. I have opened a new checking and savings but am stuck at this moment because I have no way to access my money and the payroll check can not be changed for this reporting period. 

USAA has temporarily refunded the XXXX transaction on my debit card pending their investigation the charge for XXXX XXXX is still pending. Currently there are XXXX others here in our Military XXXX that are having similar situations with USAA. We do n't personally know them and my adult son who no longer lives with us had his account hit 3 days after mine in XXXX XXXX. 

Currently I want answers and USAA can not give me any. I was told by Fraud Department on Thursday to stop stressing and to have a good weekend. 
I have reported to police department and have fraud alerts on all of my credit reports. I noticed all of this on the XXXX and USAA tells me that 'd those other phone numbers have not tried to access anything since the XXXX. Right now not sure I trust them and my information is floating around on an unknown device. 

After speaking with someone who works In computer securities for a large Corporation they feel as if USAA has had a data breech. As I write this I have involved many authorities and this seems to be a huge problem with USAA and I 'm just one of many having this issue in the last 3 weeks. Speaking with about XXXX people here their debit cards have been compromised with USAA since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc.
State: NV

Complaint narrative:
Diversified has re-age an old account on my credit reports. This is really affect my credit. This show be againist the law and government should n't let this happen to affect us citizens

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/XXXX I received a letter from a XXXX XXXX XXXX, Executive Director, Member Debt Solutions, USAA Federal Savings Bank, that payment on my USAA credit card account ending in XXXX was past due and I owed {$39.00}. 

I thought this was a problem because I do not currently have a USAA credit card. Over a year ago ( XX/XX/XXXX ) USAA decided to transfer all of their credit card accounts from Master Card to Visa. Since I had not used the USAA card in ten years I chose not to activate the Visa card they offered, leading me to believe that I did not have a credit card account with USAA as I had not authorized issuance of a new card account. 

When I called regarding XXXX XXXX letter I was informed that my current USAA Auto Insurance bill had been charged to the Visa card that USAA had offered but I had not activated. I had not received notification of that charge nor did I authorize the charge. Yet it was still charged to the card that had not been activated. ( Attached is a screen shot from the my online account record indicating that as of XX/XX/XXXX the Visa account had not been activated. ) I am wondering how a bank can charge a credit card the account holder has not activated. USAA claims they just " transferred the XXXX XXXX '' account. This feels to me like they opened a new credit card account without my expressed permission and then started charging that account without my permission. As a consumer these actions feel very much like what happened at XXXX XXXX - the bank opening accounts without the account owner 's permission. 

I paid the outstanding auto insurance bill in full as soon as I realized what was going on AND the late payment credit card fees that USAA added on to it. I would like USAA to refund the late fees and remove 'late payment ' reports from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX I transferred {$910.00} from my XXXX XXXX XXXX ( XXXX ) ckg acct -XXXX to my USAA ckg acct. -XXXX. I then scheduled my mtg payment to be debited from my USAA -XXXX ckg acct. USAA placed a hold on the funds until XXXX/XXXX/XXXX even though the funds came out of my XXXX acct that night, and I provided USAA with verification. I em 'd USAA & rec 'd a response from XXXX XXXX. She said it was against federal regulations to release the hold. I ask what reg & and was told it was the Electronic Fund Transfer Act of XX/XX/XXXX. My daughter has worked for XXXX XXXX for 18 yrs. so I asked her if this sounded right, she said no, there was an exclusion for customers transferring money between banks " Any transfer of funds for a consumer within a system that is used primarily to transfer funds between financial institutions or businesses, e.g., XXXX or other similar network. '' She said to look on the USAA website for their policy re transfers, so I did. It said the money would be available right away, within a few business days, not a week. I then called XXXX and ask them, they said USAA could lift the hold at any time just show them the completed transfer from my XXXX, but they said it was nonsense as USAA already had this. But I provided it to USAA, XXXX XXXX anyway. She again said there was a federal reg prohibiting lifting the hold. I told her this was simply not true. 
Hide additional information for activity type other payment XXXX USAA CHK-INTRNT XXXX/XXXX/XXXX : XXXX : TRANSFER ID : XXXX INDN : XXXX XXXX XXXX ... 
Edit Description activity type other payment status type icon cleared XXXX. Select to mark activity type other payment XXXX USAA XXXX XXXX : TRANSFER ID : XXXX INDN : XXXX XXXX XXXX ... as Reconciled -XXXX XXXX Type : Other paymentDescription : USAA CHK-INTRNT DES : TRANSFER ID : XXXX INDN : XXXX XXXX XXXX CO ID : USAA FT WEB I then called XXXX XXXX, a manager at USAA whom I had dealt with on another occasion. He said my average daily balance was less than {$910.00} so they would not lift the hold even though they knew the money had actually cleared. He also said it was against 'federal regulations '. I told him it did not say this on their website, and there was no federal regulation. 
It the interim my mtg payment processed and was declined, then USAA charged me {$29.00} NSF. This is outright discrimination and illegally holding of funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
My now exhusband jointly held a usaa XXXX credit card with me and we accumulatedcabiutv XXXX debt. In court divorce debt not allocated even though through freedom debt he said he paid this and only later said he pulled out and they were suing me by his name was not on the card. It was he had it removed them filed with frredom debt then they erroneously sued me. He signed a contracact taking on that debt. Now there is a judgement on my record that 's incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
Dear sirs, Hello again, my case number was XXXX. The first case I had reported to you was about this collection agency who calls themselves " XXXX '' and that they were continuing to harass me about a debt I had owe. I am now being contacted by another collection agency who calls themselves XXXX XXXX XXXX. Whereas XXXX was using an " XXXX '' area code number to call me this new agency is using a " XXXX '' area code number to call me. This new collection agency called me on XXXX/XXXX/15. They have n't started harassing me as of yet, but I 'm very cautious of them, because they seemed to be operating in the same manner as XXXX did. They caught me totally off guard. I just want to report them to you because they are also starting to harass me about the same debt that I owe. And also, so that you can have an up date on what 's going on. They are call XXXX XXXX XXXX and their number is XXXX

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 2016-12-14 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: GA

Complaint narrative:
Receiving numerous calls to collect a debt. Never given the name of the agency phoning. States it 's an attempt to collect a debt for XXXX XXXX XXXX. Informed them not to phone as I this is n't my debt. I 've been a victim of identity theft twice. Have police report & court documents showing individuals charges & time served. They refuse to stop phoning. As a XXXX senior, this is causing health issues regarding my anxiety, causing panic attacks. Please have them stop harassing me. This is not my debt Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
USAA Federal Savings Bank, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX is the name of the bank and Insurance Company. It seems I had people that were invited by a friend were not good people. They caused severe damage to my home and vehicle during XX/XX/XXXX thru XX/XX/XXXX. Then when my car was totaled shortly after that this company called and canceled my insurance and closed my checking account. They claim is was because I lied on a claim on tires that happened just 1 week before my vehicle was totaled. I lied on a claim that I had already paid for because I wanted to see what they would say as I had XXXX tires slashed in XX/XX/XXXX that I had paid myself. I thought they would be understanding but I just had many claims and I feel they were looking for a way to just get rid of me. I did not know the persons that were living with me were drug dealers and sold drugs out of my basement. After they were arrested I was able to freely enter the basement with the police and found evidence of what they were arrested. I feel bad I could not do more to help the insurance company get some of their money back. When I was notified my car had been taken and I had to walk everywhere. 
The pain I had on my left side was very bad from the accident. I had to beg and pay people to take me places which was very expensive. Too much happening for them to cancel me now. Since I am a XXXX I feel I was discriminated because of my age since I am 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 2016-12-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
USAA denied our fraud claim where transfers of XXXX or less was moved out of our accounts. Denied claim due to the transfers occurred with log-in of husband and did n't trigger any red-flags in their safety/security system. We were robbed and they are not giving us back any of our money and making us pay the over-draft that was taken when money withdrawn above the amount in the account originally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-22 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: GA

Complaint narrative:
I signed up for XXXX cable and internet service, but was immediately dissatisfied with the service. I used their online chat to cancel my account within the first 30 days of service. I have a saved, time-stamped chat log confirming the account was closed. I then returned all XXXX equipment the very next day, which was also within the first 30 days of service. I have a dated receipt from the local XXXX office showing the exact serial numbers of all equipment returned. XXXX 's 30 day money-back guarantee entitled me to cancel the new account and owe nothing. However, XXXX apparently sold this false debt to Diversified Consultants. I provided all proof of cancellation and equipment return receipts to Diversified Consultants but they refuse to remove the derogatory remark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I had no disclosure of the debt until I pulled up my credit report to find that I had an account in collections. Now my credit score has plummeted and I was never contacted regarding the debt previous to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 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: Data Line Credit Corp
State: CA

Complaint narrative:
Since XXXX 2011 I send this collection company a certified letter requesting verification of the debt pursuant to Fair Debt Collection Practices Act 15 USC 1692g Section 809 ( b ). The company never responded and over the phone threatened to report negatively in my credit, which they have done since day one to this date. They have caused so much damage to me and my family with this bad credit markings, which arose another question as to private information, such as SSN, being public information. The property they are attempting to collect fees for was never legally mine and due to that I am not legally responsible for anything that happens with such property, thats just the law! I have tried numerous times to negotiate my release from any ties with them and even with certified documents that prove I was never the legal owner, they continue to harass me into paying or deal with their malicious consequences.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Harpeth Financial Services, LLC
State: KY

Complaint narrative:
My complaint is with Advance Financial in XXXX Tenn. XXXX They changed my payday loan to a flex loan my loan was {$940.00} due XXXX payment {$35.00} XXXX payment XXXX payment XXXX {$110.00} I have made both payments on time I now owe XXXX My next payment is XXXX {$110.00} the. Interest is XXXX per day and XXXX customary fee.Advance Financial lied to me about this Fllex loan the way they set this loan up I will never get it paid off. Its a rip off big time I have pleaded with them to terminate my loan because they did n't tell me the truth about this new loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions, Inc.
State: NC

Complaint narrative:
I received a " Limited Time Offer '' letter ( attached ) dated XXXX/XXXX/2016 stating that they were willing to settle my debt of {$2500.00} for {$1500.00} if that amount was received no later than XXXX/XXXX/2016. XXXX payments were made to the agency totaling {$200.00} between XXXX and XXXX. On XXXX/XXXX/2016 I called to make the remainder of the settlement amount of {$1300.00} but they would not accept it as payment in full. They stated that the {$200.00} in payments did not count towards the offer amount. I feel that this is a total misrepresentation and is not what the letter stated or implied. No where in the letter does it state that any payments made in this period would not be applied to the settlement amount offered. Please investigate these false statements and what I consider to be unfair practices against the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Good Morning, For the past month I have been working solely with Equifax to try and rectify an issue with my credit report being frozen, locked, or blocked. I am in the preliminary steps of of purchasing a home and I have been held up for months now because my lender is unable to access my Equifax report. She is able to access XXXX and XXXX but continues to state that Equifax is locked or frozen. Equifax has been extremely unresponsive and unprofessional with this matter. I have spent myriad hours on the phone with them to no avail. 

I ask that you please contact Equifax and remove ALL freezes/ locks/ blocks on my account and please notify me when you have completed this. I am glad that this resource is available because it has been extremely frustrating trying to resolve this with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: BorrowersFirst, Inc.
State: CA

Complaint narrative:
I applied for the Personal Loan two times and I was denied without getting the reason from the lender. It is the " Borrowersfirst '', who asked to provide all the verifications, and signed XXXX, then never called or sent any letter or email regarding the status of the applications. 
I have a feeling that these people are getting our confidential information and not helping us, but, who knows maybe will do bad thing to our credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
For the last few years I have attempted to pay this debt and get more information. The debt amount is always different each time I call. The manager refuses to send me more information on this increasing amount of debt on my credit report. I made my last attempt to take care of these items on my credit report from the same debt collector. On XXXX/XXXX/XXXX at XXXX : I called and asked to speak to a manager. XXXX claimed to be the manager. I asked her for more information on this money that I owe of XXXX or XXXX. XXXX quoted " XXXX, '' and stated that she could not give me information. She stated I owed XXXX+ dollars and not the XXXX, XXXX dollar charges on my experian credit report. I told her that I want to take care of this but I ca n't pay XXXX dollars to Commercial Trade Bureau if I do n't know what its for! She told me she recalled me calling before and the answer is still the same that she ca n't give me any information on the account. She is rude and unprofessional when I asked for her last name she hung up on me! I got no information. I have been disputing this for the few years and it 's still on my credit report. The information is conflicting with the XXXX credit bureau, the commercial trade and what I have. This is suppose to fall off XXXX XXXX but now XXXX is stating that it was pushed back to XXXX XXXX. I ca n't get any information from the original holder at the clinic. XXXX mocked me and stated that she does n't care that " it will just stay on my credit report '' I have no Idea why I owe XXXX dollars to this company.

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 2016-01-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY

Complaint narrative:
I paid AMCA in XXXX or XXXX, it was settled at {$300.00} and it is still on my credit report.

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