vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Credit & Collection Corporation
State: PA

Complaint narrative:
Since XXXX XXXX to XXXX we received a daily recorded message to call Global Credit XXXX XXXX XXXX regarding a debt. We never returned these calls. WE DO NOT HAVE ANY DEBT.

Company response to consumer: Closed
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Liberty Credit Services, Inc.
State: MN

Complaint narrative:
I have a judgement against me by Liberty Credit Services , Inc. They are located in XXXX XXXX, MN. The judgement is from XXXX against debt I owed to XXXX XXXX Bank. 
My story : I was married to a XXXX man. I am the XXXX. My ex-husband had me apply for several credit cards that he used at his discretion. I complied XXXX. The XXXX XXXX Bank was XXXX of them. My ex-husband is also a XXXX. It was n't long before he could no longer pay on this account. He left me stranded with the debt. The debt belongs to him. 
When I received the notice that Liberty was taking me to court, I should have gone and told my story. I was frozen in fear. I was still married at the time and my husband, who was gainfully employed, did nothing to help me or support me with the judgement. 
The judgement was approved for {$7500.00} I made contact with XXXX XXXX at LCSI and explained that I was in an XXXX marriage and trying to get out and that I would have the responsibility of XXXX young children. I payment plan of $ XXXX/month was agreed upon by XXXX parties. No interest was discussed or agreed to at this time. 
In XXXX of XXXX, I requested a payment history for my divorce proceedings. I received written notice of my monthly payments and a letter stating that I paid {$1000.00} on the principal amount of {$7500.00} and the remaining amount was {$6400.00}. 
I continued to make my $ XXXX/month payments. On XXXX XXXX of XXXX, I received notice that I had missed my XXXX payment which was payable by the XXXX. The letter indicated that my new balance was {$7900.00} ; I called XXXX XXXX on XXXX/XXXX/XXXX to notify him that I was no longer employed XXXX. I explained to him that I was struggling financially and that I was the sole support of my XXXX young children who were receiving Medical Assistance and Food stamps. I told him to look at my history to see that I have never missed a payment in five years but was really going downhill financially and needed a respite until I could get back on my feet. LCSI sent me an exemption notice. I completed their paperwork and returned it immediately by mail. 
On XXXX/XXXX/XXXX I checked my bank account and noticed that my entire bank account had been garnished. I called XXXX to find out why since I completed the necessary exemption paperwork and provided the proof required. He explained to me that they had thousands of accounts and there was no way they could keep up with everyone 's personal problems and who had what in their account. 
I think this credit company has violated my rights. Please feel free to contact me with any questions you might have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation
State: OH

Complaint narrative:
Over a period of several years, I have made many purchases at an office supply retailer, mostly paying for them with a credit card. On XXXX XXXX, 2016 I made a purchase, costing a little more than {$150.00}, using a personal check. To my great surprise the cashier advised me that my check was " denied '' and gave me no explanation. There was plenty more in my checking account to cover the cost and I have never written a bad check. I used a credit card and the transaction went through without a problem. The next day, out of great concern for why my check was denied, I returned to the retailer and spoke to the assistant manager. He was very professional and immediately offered to look into it. He made a phone call, asked me a number of questions and I answered them. He was advised that my check was " referred, '' not " denied, and was advised to tell me to call an XXXX number to learn why my check was " referred. '' Anxious to learn about my " problem, '' I returned home and called the number. The company was TeleCheck, unfortunately, a recorded voice answered and proceeded to ask me a number of personal questions, including the dollar amount of my purchase, date of the purchase, and entire line of data at the bottom of my check. After repeating this process at least three times, I was told that someone would be with me in a moment. Following about 10 minutes of silence, I got a busy signal and I hung up. I re-dialed, and went through the process again. The voice finally advised with words I believe were : " ... ( a few short words I do not recall followed by : ) sorry for the inconvenience. '' and disconnected. I had no opportunity to speak to a human being and was left wondering about my checking account, my credit rating, etc. I then XXXX " TeleCheck '' and learned from numerous, written, customer " complaints '' that they are a fraud. I made copies to pass on to the retailer and my banker, both of whom thanked me for the information. My big concern is that I have not been told why my check was " declined, '' initially, and then was " referred. '' Another big concern has to do with the company, TeleCheck. This is a company that has been in the security business a long time and is now regarded by many innocent customers as being a fraud. From what has happened to me ... providing the recorded voice with some very personal information about me and my checking account ... I am extremely suspect as to TeleCheck 's intentions. I can not help but believe that this is an attempt by TeleCheck to steal my identity information and make it available to others at a profit to themselves. After a long history of customer abuse, I do not understand why this company is allowed to continue doing business! I trust that you will look into this matter as soon as possible and will get back to me regarding the next step in this complaint by me. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Remitly, Inc.
State: IL

Complaint narrative:
I was trying to send remittance ( amount of {$210.00} ) to my sister in the XXXX to pay for the tuition of my other siblings via REMITLY.COM of Remitly INC. I sent the money online on XXXX XXXX, 2015 and paid {$3.00} fee so the money will be received minutes after it was sent. Minutes after I sent the money, I received a message from REMITLY saying its taking some time for their partner bank to respond. So I called them up to check the status of my remittance and they told me the same thing that it is taking sometime for their partner bank to get back to them and they told me that maybe its because it is weekend ( I called Remitly on Saturday and Sunday ) in XXXX. So I waited till Monday but still nothing happened. So I called them up again to know what is going on but they told me the same excuse ( of their partner bank not responding ). I complained to them about why they are charging me a fee for a service they can not deliver. To appease me they told me they will waive the fee. But till now I have not received any reimbursement. The reimbursement of the fee does not really matter as much as to where my money went. They told me that their partner bank still has not gotten to them. I was getting frustrated because the money is already needed to pay for my sister 's tuition. I told them to just cancel the transaction and give m my money back so I can utilize other avenues to send the money. They told me they can not do that and that they will get back to me as soon as they hear from their partner bank. It is now Wednesday ( XXXX XXXX, 2015 ). It 's been 5 days since I sent the money and nothing is happening. I keep calling Remitly and all they answer me is their partner bank has not responded yet. I am writing this complaint because first I needed my money back because I need to send it to pay for my sister 's tuition ASAP ; 2nd the company charges for a service they can not provide ; 3rd Remitly continue to do nothing to resolve my issue. All I need is for the transaction to get cancelled and my money back to me if they can not carry out the service they are supposed to do. 

My name is XXXX XXXX ; phone : XXXX email : XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
XXXX, XXXX XXXX & XXXX ( wife ) XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX, XXXX PROCESSING CENTER Your continuous DefraudingXXXX XXXX and gouging us financially isXXXX XXXX XXXX XXXX illegal by law. 

In reference to our Loan Statement dated XXXX/XXXX/XXXX which you continue to misled us about our Loan Payment Statement asking for month of " XXXX XXXX, XXXX payment was already Paid " Check No. XXXX. Plus copies of XXXX and XXXX XXXX accusing us we never paid. Now it deemed especially egregious the discourage repetition of misleading and deceiving us with your unlawful practices conduct. 

Your " fraudulent conveyance or other transaction with intent to Defraud us or to defeat our credit preference, plus gouging us financially is obvious. Your Payment processing center has had been told several times about our Mortgage payment never late, nor behind in any way shape or form. But, your continuous unscrupulous, maladminister conduct with our Mortgage loan payment become a malady toward ( XXXX XXXX. XXXX ) type maladroit activity. 

From the very beginning when our Loan processing started in XXXX XXXX and finally closed in XXXX XXXX, XXXX was the most extreme Maladminister and awful feelings my wife and I ever experiencing in our lives purchasing a home through so called ; .Loandepot Maladminister conduct obviously. We were paying {$1000.00} several times, until we found out Loandepot defrauding us with our Loan payment. Fraudulent conveyance information with my ( tax-exemption ; Code : T XXXX ) and also our Mortgage insurance disregarded by forcing {$100.00} on Escrow ( for Taxes and Insurance ) which brings it to {$1000.00} ; while " Praetorian '' is still our mortgage insurance. Loandepot Scheming and gouging us financially ever since. They 're still asking for {$150.00} as an overdue amount without an explicit detail. 
They are not VA Lender by the way. If they are, they will follow the VA guide-lines for Veterans Home Loan Eligibility accordingly. Nothing ; but willful fraudulent scheming and, financial gouge type of Loan Depot of course. 


Sincerely SubmittedXXXX, XXXX XXXX & XXXX ( wife ) XXXX XXXX VeteranXXXX ... ... With ... ..HONOR, COURAGE, AND COMMITEMENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Credit & Collection Corporation
State: MD

Complaint narrative:
I have tried to contact Global credit to inform them of the inaccuracy of this collection account and have not received a response from them. The telephone numbers that are listed on my credit report and on the internet for them is incorrect. I am requesting that the information that is being provided by Global Credit be ceased and desisted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I am having financial difficulty and have asked the company to refinance to a lower interest rate or if they had a hardship program and they insist tbey do not. They are not willing to help me at all lower my payments! The company is Loan depot.I just want them to work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Background : I filed Chapter XXXX BK in XX/XX/XXXX, and Chapter XXXX in XX/XX/XXXX. The Chapter XXXX is satisfied and all payments paid ( at least 1 year paid off ). My XXXX credit score is XXXX as of XXXX/XXXX/XXXX. 

I noticed that USAA continues to report status " In Chapter XXXX Bankruptcy '' -last reported XX/XX/XXXX. Please see attached. Is that appropriate reporting? The other creditors reported it once in XX/XX/XXXX and XX/XX/XXXX respectively and has not reported monthly since then.

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 2016-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Diversified Consultants has been calling my work, cell and home phone repeatedly for months ( possibly a year ) sometimes several times a day. I thought they had stopped but today they called my XXXX aged son on his cell, LAST straw! They do n't tell me why they are calling but want me to pay them $ XXXX and give them info or face legal action. I would never give a company like this any financial info ever, I do n't owe them anything to begin with and have never even heard of them before. I do n't want to change all my numbers but will if you ca n't help me resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 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: IA

Complaint narrative:
This is what I know. 

After reviewing, please also see attachments. These are screenshots of emails I received from the company showing return of phone and cancellation of service, followed by a credit to my account for unused service. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ordered a phone and service from XXXX in XXXX 2015. When I ordered, I paid {$56.00} for the first month of service. I received my phone on Monday, XXXX XXXX. After using the phone for two weeks I decided to return it under XXXX 20 day return policy. I contacted XXXX and told them I was going to return the phone. They provided me with instructions which I followed. I mailed the phone back to XXXX and the processed a credit of {$56.00} to my account. 

I would like to add that the XXXX representative I spoke with about returning my phone assured me that this would satisfy my account with XXXX. I asked that the rep notate my account in case something like this might happen, which unfortunately it did. Maybe that notation can be looked up. I have tried to contact the company and credit agencies but I have n't gotten anywhere via those routes. 

I 'm not even sure what the {$710.00} collection is for. Did they not credit my device return properly? Did they not cancel the service when I called and requested cancellation for some reason? I 've attached two emails that I received from the company ( the one when I ordered and the one when they received my return ) to show that phone was returned in time and cancelled. 

This is impacting my ability to obtain credit and refinance my home, which is costing my family dearly. I believe this is an erroneous error on the part of XXXX that I would like resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Diversified Consultants, Inc.
State: OR

Complaint narrative:
XXXX has my secured info and has account open I my name I did not approve but XXXX wo n't verify me to discuss stunt but send account to collection I live in XXXX Oregon it is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE
State: VT

Complaint narrative:
The Money source my current mortgage holder is stating verbally via telephone ( XXXX ID # XXXX ) that they made XXXX tax payments One for {$1200.00} XX/XX/2016 which the town hall confirms and one for {$1300.00} XX/XX/2016 which the town hall states they have no record of. In spending approx. 3 hours on the phone with The Money Source being bounced around to locate the return check # for payout or proof of payout as the Town hall encouraged me to do, I had no resolve. I called the town hall on 3 way with XXXX on the line as she stated she was unable to reach them. The clerk XXXX at the town hall asked for a return check # to confirm/research payment. She was told they sent out payments in mass checks and she was unable to provide that info. I asked XXXX to transfer me to speak to a supervisor in which I was denied due to, they were unavailable because they were in a meeting. She then told me she could take my name and number and they could call me back within 24-48 business hours and that she would send out to the research dept. to find resolve. After approx. 3 hours on the phone, taking the day out of work to resolve the issue I am very upset that in speaking to 3 people at the Money Source no-one could provide me with proof of payment to the town hall in The amount of {$130000.00} telling me that it is available on my statement. That is not proof of payment!

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 2015-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Supreme Lending
State: TX

Complaint narrative:
The lender overstepped his boundaries and did not honor his agreement for the first time down payment assistance program. This unethical behavior lead to, the lender trying to force me to purchase a home with monies that was not agreed upon nor discussed. As the buyer I lost an extensive amount of money along with a portion of my earnest money because of the lender 's unethical behavior and unwillingness to submit a denial letter. I understand this unethical behavior to be a case of predatory lending and the lender should be responsible for giving me back the other portion of my monies that I lost in earnest money and for a class that the lender was aware that I would not qualify for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My father filed bankruptcy XX/XX/XXXX. Somehow, I was included from a Auto Loan. The vehicle was traded in by my Dad for a vehicle that was claimed on his bankruptcy. I was unaware that I was on the new auto loan through USAA. I have sent dispute request to remove this off of my credit. However, my father has completed his bankruptcy and received his certificate. Nevertheless, I feel that this is part of the reason USAA has closed my account XX/XX/XXXX and denied me an auto 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 2016-03-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
I am member of USAA. On XXXX XXXX, 2016, I was searching to purchasing a vehicle through the USAA car buying service as USAA offers a rate discount if the car is purchased through their service and the financing is secured through them. The rate discount promise was incentive enough for me pursue purchasing the car and seeking financing through USAA. I ended up being approved for the car loan at a normal 3.85 % rate and a .50 % rate further discount for using the USAA service. I then sought a car, which found and purchased through the USAA car buying service and made arrangements to go to the dealership to take delivery of the car on XXXX/XXXX/2016. I went to check on the loan on XXXX with USAA and noticed the rate discount was not applied yet. I contacted a representative that day and that representative told me my rate would take up to 14 days to apply. Then on XXXX/XXXX/2016 I checked for the rate discount on USAA.com and noticed it was not applied. I then inquired about this. After much discussion with a USAA representative on their chat service, USAA said I was not eligible for the rate as they did not have record that I purchased the car through their service. There are clear indications that I did seek the car through the service and secured financing through them. The car I purchased is saved to my profile on the car buying services and USAA has agreed that the dealership is a part of the car buying service. They claim I did not print out a certificate and that disqualifies me from the rate discount, but no one told me I needed a certificate and the dealership did not ask for XXXX. The dealership, XXXX XXXX XXXX, is a USAA dealer and I should get the discount. USAA led me into securing the loan through them with the promise of the rate discount that never happened. I have excellent credit and I lost out on opportunities to seek better financing terms. USAA baited me into the loan under the promise of a lower rate..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief