vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I am filing a complaint because I received a call today from my XXXX brother that has the same name saying that he has been denied opening an account because there is information being provided to the institution with our name and my social security number XXXX They are explaining to him that since we have similar information our files are being linked. I have never conducted business with XXXX XXXX and the address reported with the account is a fraudulent address that was being used to obtain credit in my name. I have filed several police reports on this identity theft issue and chex systems has copies of all reports filed. This account shows it was reported last year when the fraud had occurred. This needs to be removed from my file immediately as it is not mine. My file should also not be mixed with my XXXX brother as our socials are completely different and we do not share the same address. as you can see on the report that was provided to my brother they input his information and they provided the institution with the fraudulent account with my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
Since I registered my last complaint that is being acted upon I have discovered that my loan has apparently been sold to another company. As XXXX are still investigating my complaint I am at a loss as to what I am supposed to do next as I at first thought this was a scam. The new company have made no attempt to contact me via my contact address that should have been passed to them by XXXX but is also readily available from the Appraisers office. I still believe I am being forced into foreclosure by these companies. I have not signed loan paperwork with either company and was completely unaware of this second company until last week. Please assist me to resolve the matter. 

CFPB Case XXXX Company review In progress XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/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 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I opened an account with XXXX XXXX XXXX shortly after my XXXX birthday in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from XXXX XXXX XXXX informing me that my account was being closed due to fraud. I never committed an act of fraud. XXXX XXXX XXXX has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmfull action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with XXXX XXXX XXXX for the past 3 years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX systems directly but they report that XXXX XXXX XXXX is standing by the fraud claim with no evidence to substantiate the claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
I am being denied a checking account because this is on my ChexSystems report. It was discharged in bankruptcy in 2015 XXXX {$380.00} Please remove this from ChexSystems immediately.

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 2015-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Nationwide Debt Management Solutions, LLC
State: VA

Complaint narrative:
CONTACTED EMPLOYER UNDER NON LEGAL NAME, BELIEVED TO BE A SCAM, ALL CALLS WERE TOLD TO CEASE FROM ALL NUMBERS, THEN CALLED AGAIN IN 30 SECONDS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Technology Incorporated
State: VA

Complaint narrative:
Even though I paid off my school loan in full in with the original creditor, Collection Technology Inc. still trying to collect even after I 've notified them by mail on XXXX XXXX, 2015 that it was paid off. They have now unlawfully seized my joint tax return totaling {$750.00}. They also refused to validate my loan when I notified them of payment, in violation of FTC 809, Validation of Debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
Getting a call from a XXXX about a payday loan back in XX/XX/2012 mypaydayloan.com. They are staying that they will serve me papers at home/and at my job with my manger. I asked for proof first from this company, but they said that the " papers will be my proof ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: GA

Complaint narrative:
Re : BSI Letter Entitled Streamline Solicitation Agreement Withdrawal dated XX/XX/XXXX Loan Number : To Whom It May Concern : c/o XXXX XXXX I am requesting information relating to the above-referenced loan number currently being serviced by your firm BSI Financial Services. On or around XX/XX/XXXX I accepted a permanent loan modification offered by BSI. I executed the documents sent as requested and sent the 1st payment in the amount of {$640.00} Check Number XXXX which was received and cashed by BSI on or around XX/XX/XXXX ( please see attached ). To Date : I have not received a fully executed Loan Modification Agreement signed and dated by a representative from BSI There is no evidence that the alleged Loan Modification was filed within the Real Estate Recorders Offices of XXXX County I have not received a mortgage coupon with the new loan amount listing and verifying the new monthly payments I have not received a payment breakdown from the inception of the new loan to the maturation date However, I have received since executing the loan modification agreement along with my first payment was a mortgage coupon in the amount of {$0.00} stating that the payment is not due until XX/XX/XXXX ( please see attached ) You all have failed to send evidence that the Loan Modification was signed and accepted by your firm yet the first payment check was cashed. You all failed to send new mortgage coupons reflecting the new loan agreement and payment amount. Now, you are withdrawing your original offer because you can not provide accurate accounting or paperwork to reflect the original agreement? Now you are calling the Loan and threatening foreclosure? How and why? XXXX, I need an explanation! 
Because I have been receiving conflicting information relating to the servicing of my mortgage. I am concerned that this error has created an unnecessary and improper delinquency within my loan status. 
Therefore, please view this as a " qualified written request '' pursuant to 12 U.S.C. 2605 ( e ) as well as a request seeking accounting as well as the current status of my loan! I seek verification of the amounts which you claim are due and/or delinquent and the documents supporting these claims. I should not be held responsible for any late fees, interest, or other charges relating to the above referenced confusion. I look forward to your response within 20 days from the date of this letter. Any further communications concerning this debt should be directed to me in writing. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: WA

Complaint narrative:
My mortgage loan servicing company is not following the terms of my loan modification agreement. The result of this is me being forced to pay several hundred dollars more a month to maintain on-time payment history. I have contacted their loan servicing department several times in the course of the last month and a half to fix the issue but have gotten no resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
Hello I am contacting you on behalf of my XXXX year old grandmother. We have been dealing with 21st Mortgage on a loan modification and we were under a bankruptcy. The bankruptcy judge stated the the bank could work with us on a modification while under the bankruptcy. I have been trying to contract the bank for weeks and I was n't getting anyone who would talk to me. I finally reached someone today who told me that they could n't talk to me because of the bankruptcy. I informed them of the orders from the bankruptcy court and they told me that the sale date is on XXXX XXXX XXXX and they could n't review a modifaction package. I told the young lady that I had been calling for weeks and no one from the legal department would n't answer the phone. My grandmother has been in her home for 40 years and she has always paid her mortgage on time until she was put into a loan that she could n't afford. The loan was transferred about XXXX or XXXX times to different lenders every time I put in a loss mitigation package to the new lender the loan was sold again. The assignment are also out of order. And I even tried to ask 21st mortgage about some of the programs that are being offered to help home owners stay in their home. And they basically told me that they do n't participate in any of the programs. My grandma owes XXXX on her home but it 's only worth XXXX and they will not work with us on reducing the price. We desperately need some assistance. The loan number for 21st Mortgage is XXXX. In the past I 've spoken to XXXX XXXX, XXXX XXXX and today I spoke to XXXX at XXXX XXXX who is the head of the legal department and she is the one who informed today that they would not be working with us. My grandma can afford to pay {$1500.00} to {$2000.00} a month but her payments are {$2700.00} a month. And my grandma was in a XXXX from XXXX XXXX until late XXXX. And I explained everything to 21st mortgage and I also told them that I had an approval from an investor for the short sale but they would n't even review my grandmas loan for loss mitigatio. 

Thank you for understanding,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
They call Monday Thur Friday Call both phones Email also And text Every time Send letters Certified letters

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 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: IN

Complaint narrative:
I keep getting calls from an automated number. They are from Credit Protection XXXX and they provide XXXX different phone numbers to contact them in the same message. They also provide a verification ID number to refer to. I have attempted to call XXXX numbers to tell them they have the wrong number and to stop calling me, but XXXX numbers are completely automated, and you can not reach a real human to talk with. You can push numbers to remove your number, but it does n't work. You can not leave a message and must have your account number. This is not my debt and I want them to stop calling my home number.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP.
State: IA

Complaint narrative:
21st Mortgage, as part of my agreements with them, is to pay my homeowner 's insurance and property taxes every year. They escrow for this but twice they have failed to pay all of my property taxes and this year they failed to pay my homeowner 's insurance and caused it to lapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
Below is my latest letter in regards to their BLATANT DUAL TRACKING AND PROOF XXXX/XXXX/16 XXXX XXXX and XXXX XXXX On XXXX/XXXX/16 I faxed and overnighted my appeal on loan modification with proof that I never was given a true modification from XXXX and had tried for months to get them change to a correct date for acceptance but they did not so I proved I never accepted or denied a loan modification from them because you can not accept or deny one that is not valid when they send it. This is called fraud and why XXXX is under fire for not handling loans correctly and falsifying documents. Also my income proved I could make payments. So I sent the appeal to you and requested a new packet. I did not receive anything back from XXXX or XXXX regarding the appeal letter or new modification. I requested multiple meetings with my SPOC and have yet to hear from him. I did not even get a message back for 2 months after I wrote this. PER CHBOR you can not file a NOD while looking at appeal nor can you after I requested a new mod packet but you did on XXXX/XXXX/16. With a different amount than the statement XXXX sent me. I have now forwarded all of this to the attorneys at XXXX XXXX. I have also sent to California AG and CFPB. I will fight this the entire way. I have asked for repayment plan and 6 to 9 month workout with nothing back from BSI FINANCIAL. With your illegal practices and violations there is a group of homeowners that we are all keeping track of every single violation and I have saved every voicemail and paper I sent. The Tracking # with all of this information is XXXX was signed for at XXXX on XXXX/XXXX/16 so you can not deny receiving appeal and asking for more documentation. So BSI FINANCIAL Sent a loan Modification Denial on XXXX/XXXX/16. I received on XXXX/XXXX/16. BSI FINANCIAL received my Loan Modification APPEAL on XXXX/XXXX/16 which was 28 days after and I had 30 days to send which the tracking # proves. I then also requested a new packet as XXXX told me. I never received anything. Also the NOD was filed on XXXX/XXXX/16 which you are not allowed to do til 15 days after I receive status on the appeal and I have the opportunity as I requested a new loan modification paperwork. THE NOD will need to be rescinded immediately. Since I have been keeping track of everything I am prepared to take this to court for illegal practices. Since BSI FINANCIAL is denying working with me and trying to steal a home which I will not move out of. Nor have you offered to work with me on a payment plan or reinstatement and MY SPOC has refused to schedule a meeting with me. I have to do all I need to do to protect myself and I am not putting up with the bullying and harassment and elder abuse from BSI Financial. 
You have 7 days to rectify the situation in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
I had called to try to make arrangements to catch up my car payments, so around XXXX/XXXX/15 i called my car company and asked the representative to setup a payment on my account and to take out XXXX payments on XXXX/XXXX/15 ; I realized that she had included late fees, so I called today to adjust the amount because I could n't pay the late fees but was able to pay the XXXX payments as scheduled ; The representative said that she needs to get a managers approval ; Then all of a sudden I think her name was XXXX jumped on the phone ( now this isnt the XXXX time me and her didnt see eye to eye. She wanted to know the reason i was reducing the payments ; advised that i was trying to get the payments caught up and then i will pay the late fees ; she told me that according to my history I dont stick to my arrangements that I set up ; I then got upset and advised that she can cancel the payments all together and I will just come in and make the payments ; she was irate and belittling ; i ended the call because advised her that I will be late back to work soon. I called back to try to speak with her manager and to cancel the payments ; I was xferred back to her and I kept asking for her manager but she wouldnt give him to me ; I asked his name several times and she sd XXXX ; I asked to speak with him but then she was asked if I was going to terminate the call again. I dont want to deal with them as my car company any longer and am trying to catch up on payments so that I can try to make XXXX payments and just pay it off sooner, I feel like she was belittling me and kept referring to me being a collector myself I should know how it is ; I then told her I am not giving her permission to take any payments out of my account then and sd tht I cant stop them from taking what is owed. I will be seeking legal advise as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
By phone and in writing I requested a copy of my signed original mortgage information because I do not believe the rate or terms are correct. Both times they replied with information generated from their system, not the information that I asked them for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Acceptance Solutions Group, INC
State: MO

Complaint narrative:
I set up payment to come directly from my payroll and they still pulled the payment from my checking account also ... this has cause an overdraft of almost {$200.00} ... I called and they stated that they are processing a refund but it will take XXXX business days. meanwhile I have bills hitting that will not be paid put my account into further overdraft. The due date was XXXX XXXX, 2016. They received the payroll payment on XXXX XXXX and then drafted my checking account on XXXX XXXX, 2016. The first rep said it was my fault be HR should have put my name on the direct deposit payment ( Her name is XXXX ) ... The second rep stated that the only way the payment should have been drafted from my checking account is if my payroll deposit did n't come or was late and that since it was n't due until the XXXX, there should never have been a withdrawal from my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
XX/XX/XXXX I took out an installment loan with LoanMe, which I discovered through a commercial over the radio. At the time I had XXXX of my XXXX minor children in the XXXX after going through XXXX 3 months prior and needed the money XXXX 

I did unfortunately take the loan out based on the terms that the were expressed to me by the employee of LoanMe and due to the stress and emotions of the timing did not thoroughly read through the paperwork. I was given a loan at 138.28 %. 

I am a married man with a family of XXXX with a part time only job and when I could not make the payments that were not initially disclosed to me, I called the lender ( LoanMe ) to discuss payment arrangements and they denied me stating that my offer to make payments to them were not enough for them. 

I later received court documentation to for a court trial as the lender ( loanMe ) had filed in small claims court. I continued to get harassed and have asked them to stop harassment as we already have a court date set XXXX. The phone calls and harassment seem to persist. 

I also received an email from the customer service department at LoanMe XX/XX/XXXX and they sent me information for my loan and another borrower. Leading me to believe that their policy to protect my privacy is not adhered to with Privacy laws Act. 

Please look into this company regarding harassment and the lack of privacy.

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: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
I applied for assistance in saving my home from foreclosure with BSI Financial. I hired an attorney to help me with my application. My attorney submitted my application on XXXX/XXXX/XXXX. BSI denied my application on XXXX/XXXX/XXXX stating my current contractual payment was below XXXX % of my gross monthly income. However, BSI made an error and used my Contractually due payment from XX/XX/XXXX in the review ( {$2100.00} ). Per HAMP guidelines they are not supposed to be using my Contractually due payment ( from XX/XX/XXXX ) in the review. They are supposed to be using my XXXX contractually due payment, which is {$2500.00}. My attorney was advised I would have to appeal the denial and we did so on XXXX XXXX, XXXX. Since XXXX XXXX, XXXX BSI has refused to respond to my appeal. I am told that per guidelines and RESPA Reg X, my servicer is not supposed to evade review and must reply to my appeal in 30 days. Today it has been 64 days since my appeal and I still have no response from BSI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation