vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
The CitiMortgage Notary Signing Agent came to my home on XXXX. We signed the loan docs and were complete by XXXX XXXX. that same day. 
Although the loan was a cash out refinance that I had to complete a plethora of paperwork to be approved, at no time did anyone from Citi, or XXXX, inform me or ask me how I wanted the proceeds distributed and in the past when I have closed on loans, proceeds were distributed at closing. 
Imagine my surprise when at closing the Notary Signing Agent did not have a check for me. 
Instead, she provided me with a document asking me how I wanted the proceeds distributed. Had this document been provided to me before the closing I would have stated at closing. After having my hand forced by not making this election prior to closing, my choice was ETF. Electronic Transfer of Funds. 
I was very displeased with the proceeds not being distributed at closing and not having been told about this prior to closing. 
Citi Mortgage funded my new loan on XXXX, as of this writing my proceeds are still outstanding and have not been disbursed to me or my bank despite my requesting etf and providing all banking information. 
Although I am now responsible for paying back this loan as of XXXX/XXXX/15 I still have not received the cash that was due and payable to me at closing on XXXX/XXXX/15. It has been a little while since I did a refinance this does n't seem right. Do they owe me interest like I had to pay daily interest on the loan amount?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07 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: ERC
State: DC

Complaint narrative:
An account was opened with XXXX XX/XX/XXXX it was then forwarded to ENHANCED RECOVERY COMPANY for {$330.00} by XX/XX/XXXX.I disputed this debt with XXXX as XXXX as ERC and Transunion. This debt was removed from my credit report by Transunion on XX/XX/XXXX.on XX/XX/XXXX the same debt was forwarded to a different collection agency ( southwest credit systems ) and then sent to XXXX.Ive tried reaching out to XXXX customer service to get any information about the account and was told they did n't have anything. I was told that someone called XXXX gave them a name a social and they opened the account. XXXX did n't bother getting any identification any signatures nothing. I was told to contact the XXXX department which I did. I received an email from a XXXX explaining what she needed to prove the account was XXXX, proof of residency, I.D police report etc. I gave XXXX all of the information that I had except the police report because of the complication with jurisdiction and time frame. I requested to speak with a supervisor and all I got was an automated email from XXXX.at this point It believe XXXX knowingly opened a XXXX account with no relative information which in my opinion should be criminal. Also i may add that I 've never lived at the address the account was opened at

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I just accessed ChexSystems ( XXXX/XXXX/16 @ approx. XXXX ) to request my consumer report. Once I entered all my information, including Social Security Number and date of birth, I could not submit the request due to the fact that the system stated the verification code was incorrect. I repeated entering a different code 4 times. After the fourth time I got the message that an error had occurred. 
I experiencd this same problem a few days ago when I attempted to order my XXXX consumer report. 
I would like CFPB to investigate whether this is a tactic to limit consumers from getting their reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I HAVE ATTEMPTED TO CONTACT THE REPORTING AGENCY, CHEXSYSTEMS, VIA MAIL SEVERAL TIMES IN REGARDS TO THIS REPORTING MATTERS. I HAVE ALSO TRIED TO INFORM XXXX XXXX XXXX ON THE REASON WHY I WAS SHOULD HAVE NOT RECEIVED CERTAIN CHARGES, YET THEY CLOSED MY ACCOUNT AND REPORTED ME TO THE AGENCY. DURING THAT TIME-FRAME, I WAS NOT IN THE CORRECT MIND-FRAME TO BEING KNOWLEDGEABLE OF WHAT PROPER PROCEDURE TO TAKE TO HANDLE THIS ISSUE. I WAS A COLLEGE STUDENT AND A XXXX WHO WAS DIRECTLY FOCUS ON MY XXXX CAREER AND MAKING A BETTER LIVING FOR MY CHILD. I WAS SEEKING HELP FROM BRANCH BANKERS, CUSTOMER SERVICE REPS & THE REPORTING AGENCY YET NO ONE GAVE ME THE DIRECTION TO HANDLE THIS ISSUE. I FEEL I HAVE NOT BEEN GIVEN A FAIR OPPORTUNITY TO HANDLE MY PERSONAL BANKING ISSUE AND WAS TOSSED AROUND TO VARIOUS DEPARTMENTS WHO COULD NOT FURTHER ASSIST ME. IN ADDITION, THE REPORTING AGENCY STATES THEY ONLY HOLD THE REPORT FOR 5 YEARS AND THIS ISSUE HAS MADE ITS 5 YEAR ANNIVERSARY MARK THIS XXXX 2015. ACCORDING TO THEIR POLICY, AFTER THE 5TH YEAR IT IS THEN REMOVED FROM THEIR AGENCY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I disputed info on my Chex System report back on XXXX/XXXX/2015 that was fraudulent it was due to ID theft, I have never had a bank account and Chex Systems in violation of the FCRA has NOT responded! There 30 days is up they must now delete all of the information on my chex system report!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
XXXX I attempted to purchase {$170.00} worth of materials from XXXX in XXXX, TN using my business check issued by the XXXX XXXX XXXX XXXX XXXX. The check was declined by Certegy Check Services. I called Certegy Check Services from XXXX and was asked if I wanted to be placed on their VIP List. The Certegy rep said this may or may not allow the check to be accepted. I said yes. He said wait 10 minutes and try to run the check through again. I did twice ; the check was declined XXXX times. I requested a copy of the declination from Certegy Check Services. It indicates that Certegy already approved XXXX previous checks from my business checking account totaling {$600.00}. Yet Certegy declined my check for {$170.00}. They only stated that my check " matched a high-risk pattern, our automated system provided a less than favorable recommendation. '' The XXXX XXXX XXXX XXXX XXXX is a valid institution. My business is licensed by the State of Tennessee. There were ample funds in my business checking account to cover the amount of purchase from XXXX ( {$170.00} ). Even Certegy 's records indicated that they had previously approved XXXX checks from my business totaling {$600.00}. How can another check from my business be considered high risk by Certegy 's automated system? 
Bottom line. Certegy Check Services has apparently not straightened out their act as a result of the XX/XX/XXXX FTC lawsuit file against Certegy Check Services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Found tow trailer on XXXX. Contacted seller and they informed me that they were out of town and that we should use eBay. I agreed and she set up an account on eBay. eBay sent me an invoice and instructions to by PayPal My Cash gift cards and email them the PIN numbers and they would hold the money until I instructed them to release it and that I had inspected and accepted the trailer. I followed their instructions and once I gave them the PIN numbers eBay XXXX sent me a email that they had received the money. I tried to communicate with the seller but never got any response. I started investigating and have filed a dispute with PayPal and a Police report with the XXXX Ca. Police Dept. Case number is XXXX. PayPal My Cash dispute number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I lost my bank account card one day, and did n't know I did for a few days. I then saw my account was going in to negatives that I did n't know about I then reported to the bank that I lost my card. And when that happened I asked that my account be closed. The issue is I tried to open another bank account recently and was told that there is some issues going on with my account with fraud that I had no part in. I believe someone found my card and hacked into it and used it for illegal purposes. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
THIS COMPANY IS REPORTING FALSE NEGATIVE INFO ABOUT ME TO COMPANIES AND DECLINING CHECKS I WRITE TO COMPANIES THEY WORK WITH. WHEN I CALL TO GET TO THE BOTTOM OF THIS, I 'M BOUNCE AROUND, TREATED RUDELY AND INSULTED. I have contacted this company many times and provided information time and time again. They are very rude, uncooperative, insulting and insensitive to the problems they are causing by distributing slanderous and defamatory and false negative information to companies. They do n't care about anyone but themselves. There are virtually hundreds of websites dedicated to how horrible these people and company is and how many people they have done this too. 

Here are a fewhttp : XXXXThis site talks of this company being fined XXXX XXXX dollars for Fair Credit Act violations. 

https : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I CANT BELIEVE THIS MESS. I SENT OUT NOT XXXX BUT XXXX LETTERS STATIN NOT TO CONTACT ME AND TO TAKE THIS MESS OFF MY CREDIT REPORT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
My account was closed and I am still waiting for the company to send me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a Care Credit account for my XXXX with Synchrony Bank a year ago with 0 % for a year. 
Last week when I was going to pay off the balance, noticed a charged of {$80.00} on the statement, I questioned it and found out it is protection or insurance plan, which was monthly added to my account. 
I never requested and authorized such a insurance and without my permission added to my card. I was charged {$1100.00} for past year of the insurance protection, which are going to pay me back. But this kind of none sense have to stop, I found out by accident about it and XXXX know how many people are being subjected to this kind of fraud and are unaware of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Credit Solutions, LLC (KY)
State: TN

Complaint narrative:
I received a voicemail on my office phone XX/XX/2017 The voicemail requested a call back. I called and spoke with XXXX from XXXX XXXX. He stated he was calling on behalf of XXXX in regards to a medical bill. He stated they received the file in their office on XX/XX/2017. He told me that the account had been submitted for legal, I questioned how they can do that with me not receiving any notice, he said they mailed me a letter out on the XXXX when they received the file, as of today XX/XX/2017 I still have not received written correspondence. He advised he can give me a discount if paid in full that day {$1300.00} was the original amount. He said they can break it up into XXXX payments or they can go out a year. I advised that I can do a XXXX month payment, he said that is not an option that it is against their policy only to go out a maximum of XXXX months. He again started talking about legal action and that I would have to pay the bill in full plus interest as well as court fees and attorney fees. I was extremely upset and felt as if I was being forced to do what they wanted me to do or I was going to court behind it. I told him I can look at what was doable for me and contact them back. I also requested my XXXX phone be removed from their call list. I filed a dispute on their company website right after the call disconnected. Less than XXXX hours later the I received a call from the original collector that had left msg on my XXXX phone. He said he received a message to call me back. I never once told anyone to have him call me back. I asked how the dispute worked as I had filed XXXX on their website and he stated they review it to see if the debt is valid and go from there with me proving the debt was not mine, etc. I advised him again I did not request any calls back that him calling me and making contact XXXX times in XXXX day was a FDCPA violation. He back peddled and said that the message to call me back came from his supervisor from the dispute. But not once did he try and see why I filed the dispute. He said he can offer me the XXXX month payment option?? I questioned about the policy on only going out XXXX months, I asked how XXXX rep can only give XXXX months based on policy but he can do XXXX months, he stated that it was is file and he can do that. I became very upset and cried advising him that I want to make good on it but that I felt like it was on their terms or no terms at all without it going into a legal status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I am on the Do Not Call registry. This number called me and gave me an account # XXXX for a debt of $ XXXX for XXXX . They tried to verify more personal information from me. I only gave name and DOB. I do not owe any medical debt that I am not already paying off from a number of years ago. This is not anything I have a debt for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: IN

Complaint narrative:
This is my second complaint. My first ended up being Case number : XXXX. Blackhawk provided a weak partial response saying they were investigating over two weeks ago, and my money is still locked up. I can not access any funds in my account, and this has been the case for over XXXX months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Acceptance Solutions Group, INC
State: WI

Complaint narrative:
The lender keeps calling me at work-Has now put my job in jeopardy- Has sent them 3 letters asking them to Stop calling me at work. I have contacted a lawyer also at this time. They called again twice today XXXX/XXXX/16. They have my personal phone number if they need to reach me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
The super high percentage rate was not revealed until the end of the application process. The LoanMe Inc. is charging an interest rate of 135.00 % and an APR of 138.07 % with a term of 47 months. I really needed the money because I had XXXX. I 'm retired military and XXXX veteran and had no avenue to XXXX Insurance. I applied to several Finance companies but was rejected due to a less than perfect credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Finance Company, Inc.
State: CA

Complaint narrative:
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 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: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I have never had cable in my name. I am XXXX and live with my parents.

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 2016-11-01 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
I am trying to dispute a transaction with blackhawk network on a prepaid visa card. I have submitted the dispute form both via fax and email, but have not received any confirmation that the dispute form has been received and is being processed. 

I have called several times and spoke to several different departments and no one can get me in contact with the dispute team for a status of my dispute. Their terms state they can only accept disputes that are initiated within 60 days from the transaction, but fail to even provide a confirmation of receiving the dispute or the status of the dispute XXXX. 

I am at wits end and this involves {$500.00}, which is a lot of money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: H & S Financial, Inc.
State: GA

Complaint narrative:
Today in the mail I received a letter from H & S Financial Inc. located at XXXX XXXX XXXX XXXX, TX XXXX. The letter stated I owed them {$8000.00}. They are claiming they had a judgement against me for the amount of {$8000.00}. I have never occurred such a debt. In fact, I went through six years of credit reports and it 's spotless with the exception of XXXX XXXX late payments, which were accidental. 

At no time was I served papers for a lawsuit. I never had a chance to appear in court. I never received any official court documentation. They did a hard credit pull without my permission. If there is a rule H & S Financial Inc. broke it. 

I am not paying the debt as it is not mine. I am filing a complaint with the FTC as well and will be sending certified letters to both H & S Financial Inc and the FTC stating the above with a request to do not contact me regarding this fraudulent attempt to collect a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX XXXX charged me for an item I never received ( a hot spot, now called mobile data device ). I communicated with the XXXX representative, XXXX, and he acknowledged that it was an error by the company ( see attached letter ). However, the charge was never removed by the company. XXXX eventually referred the case to a debt collector Convergent, which has negative impacted my credit score. Even after my attorney sent them a cease and desist order, they continue to dun me for an item I never received or used.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EMBRACE HOME LOANS
State: OH

Complaint narrative:
We are brothers and Veterans on this mortgage. We have fallen behind and Embrace, XXXX, has requested duplicate documentation and has denied receiving faxes. We are in foreclosure and documentation timeliness is very important.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: POLARIS HOME FUNDING CORP
State: NC

Complaint narrative:
Received a prescreened offer from Polaris Home Funding Corp to refinance my mortgage. It looks like a pretty shady offer but my main issue is that I do n't think they are following the federally required guidelines for pre-screen offers. They should be required to provide more information about opting out of pre-screen offers, including the addresses of the credit bureaus.

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