vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I make my payments regularly, in advance, of the due date. The bank 's own systems are showing discrepancies in the payment due dates causing phone calls and questions about non payment. The customer facing portals show the next payment due as scheduled, however, the payments I make, on the bank 's side, did not assign to a month. 

The payment portal online shows as a transfer between deposit accounts and the loan, it does clarify where the payment is going to principal, principal and interest ( regular payment ), and interest. Therefore, when paying regular payments, I make 'transfers ' as a principal & interest payment. 

***An example*** {$10000.00} loan, {$100.00} regular payment due monthly : - I make a transfer ( P & I ) to the loan due XXXX on XXXX, next payment due on the consumer portal advances to due XXXX. 
- I make XXXX 's transfer ( P & I ) on XXXX. Next payment due on the consumer portal advances to due XXXX. On the same day, XXXX, I make a second transfer ( P & I ) to the loan for the payment due on XXXX, which on the consumer portal advances the next due date to XXXX, as it should. However, the banks internal system interprets this as a principal only payment and triggers calls to me for non-payment for the XXXX payment. The consumer portal still shows the payment is due XXXX. 

See attachment for actual case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Fidelity National Information Services, Inc. (FNIS)
State: KS

Complaint narrative:
Received my consumer report from ChexSystems and noticed some inquiries listed under consumer initiated that I never initiated. I 've never been to XXXX let alone tried to open up an account with XXXX in XXXX. Tried contacting ChexSystems to file dispute and was told they do n't handle disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: KY

Complaint narrative:
Hospital never sent me a bill and exceeded their time limit on filing claim with insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I 've been denied a loan due to not having my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
This loan was taken out XX/XX/XXXX and paid back over months. In fact, they continued to debit our bank account even when the balance was paid in full thru XX/XX/XXXX. The alleged lender is XXXX. Recvd a call from XXXX XXXX XXXX threatening to sue if debt is not paid. This is the XXXX contact we recvd for this alleged loan, the first was XXXX XXXX alleging XXXX XXXX XXXX as the lender. A Cease and Desist letter was sent.

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: Fidelity National Information Services, Inc. (FNIS)
State: KS

Complaint narrative:
Was trying to cash a small check and was denied. Called Certegy and disputed the charge that they had on file which was dropped. After receiving a letter today, I noticed a check presented to XXXX store XXXX check # XXXX on XXXX/XXXX/15 for {$94.00} that is not mine. I do n't write check except for my utilities. Very concerned since its my State I 'd # bit not my check.

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 2016-08-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Movement Mortgage LLC

Complaint narrative:
We are currently in process of selling a home. The buyer 's agent and the lender are non-responsive to my agent and staff. We are now 3 weeks past our original close date with no explanation whatsoever. We are also out of contract as of XXXX/XXXX/2016. We will be going to litigation for the buyers escrow as we have no signed extension or cancellation from the buyer. We are currently seeking legal counsel in regards to Movement Mortgage ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) and XXXX XXXX ( XXXX-ID XXXX ) with XXXX XXXX. 
As an out of country seller, the conversion rate alone has costed me over {$2000.00} in the last week of losses. The utilities were turned off for the original close date. Our grass is now dead due to lack of water. We have received no correspondence from Movement Mortgage or XXXX XXXX as to what is happening with this transaction. 
Per the realtor contract, we are entitled to the escrow of {$2000.00}. We will be pursuing this as the lender has caused the buyers default of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
I was denied a small business checking account because I have " fraudulent activities '' on my Chexsystems report. I have no fraud, no bounced checks, no NSF charges, and no late payments. This is hampering my ability to do business and it 's unwarranted. The number that they have listed on their joke of a website just tells you to file a report. Once I finally googled a phone number that let me talk to someone, they were outrageously rude, even swearing at me and hanging up on me twice. They did n't let me speak to management, and said " good luck with your problem, we ca n't help you. '' How is this place allowed to do business? It is an embarrassment for the country to have a " consumer reporting agency '' to be doing business like this. It is costing XXXX people the chance to open bank accounts. Their " dispute '' process is equally embarrassing. If you end up on their list, you 're pretty much XXXX, whether it 's your fault or not.

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 2015-08-07 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: Credit Protection Association, L.P.
State: TX

Complaint narrative:
Credit Protection Association has been harassing me foe months now trying to collect a frivolous or fraudulent {$440.00} charge. the reference number is XXXX. Their phone number is XXXX attn : XXXX XXXX. I am having to laboriously submit documentation proving that i am not the debtor. Please advise them to stop calling me and remove my name from their records. I do not want them to blemish my credit. There has got to be a better way for a consumer to not have to prove fraudulent charges.

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 2016-03-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I contacted Loanme about a consolidated loan for $ XXXX {$20000.00}. They qualified me, gave me a verbal commitment, quoted fees, and sent me information by email. When they asked me for personal account information I questioned them on the information they asked for. They would only talk over the phone so I would not have a record of the conversation. I provided them information when they told me they would do the loan. After I did they asked for more personal information. When I asked for a loan commitment they did not give me one. when they offered me a few thousand dollars, I told them I get that on a credit card and not pay their kind of fees. When I told them they were violating my credit rights they quit contacting me and gave me no closure. They took a lot of personal account information for the amount they loan. banks and credit card companies do n't ask for the information they requested. I believe they violated my credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Acceptance Solutions Group, INC
State: OH

Complaint narrative:
I called and spoke to XXXX on XXXX/XXXX/2016 about a payment that was due on the XXXX of XXXX. I noticed they had not taken said payment and there for took it on the XXXX of XXXX One payment was said to be taken out on the XXXX and the other on the XXXX of XXXX they both have cleared my account but only one is showing. Today is XXXX/XXXX/2016 and I see that two payments have come out for {$200.00} which was not talked about even though they state they did if I had of known this I would not have agreed to it because I know that I would have not been able to handle those payments. Now they have had three payments for the month of XXXX but they are not showing on my account when I look online. I see talking to them I am talking in circles and they are not making sense on this matter. Also I ca n't understand why or how they can go in my account on off set days to pay back my loan but ca n't go in on the due date. Then when they mess up I have to pay for it. My pay day loan should be done being paid for on XXXX/XXXX/2016 XXXX stated today that it has been extended until another month XXXX/XXXX/2016. But how can that be if my account is current and caught up. They have received XXXX payments for {$200.00}. But my account is pushed back an extra month. And again this is not showing with my online account. I took out the loan I did but I do not like being taken advantage of. The fact that I am getting different answers from different people or being put on hold while they figure out how they messed up. Makes me so frustrated. Both charges I received an over draft fee. I also stated this to them on the XXXX. No one I mean no one said that I was going to be charged and extra XXXX before the end of the month was out so I have to over draft fees of {$34.00} for each. I really need help understanding what is going on and why they are able to do this. I even looked over my contract and no where does it state that they can do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Automatic Data Processing, Inc.
State: MI

Complaint narrative:
On XXXX XXXX, 2016 I contacted ADP ( my payroll processor ) to cancel my pay-by-pay worker 's comp. insurance coverage ( provided by XXXX. 
The ADP representative sent me a cancellation form. 
On XXXX XXXX I signed and returned the form. ( See attached ) * They requested proof of other worker 's comp. insurance as a condition of cancellation. 
I forwarded the Insurance Binder as provided by my insurer ( XXXX XXXX ) - showing coverage beginning XXXX XXXX, 2016. ( See attached ) * The following Monday, XXXX XXXX - I submitted payroll and saw that NO FURTHER WORKER 'S COMP. PAYMENTS WERE CHARGED. This confirmed my understanding that the paperwork had been processed, the policy was cancelled, and that the end-of-policy audit would be conducted - at which point I would get some type of written document and/or invoice for any unpaid premium. 
This Monday, XXXX XXXX - 8 WEEKS after cancellation - I submitted my payroll, only to find that an additional {$650.00} in XXXX premium was charged and automatically deducted from my account*. I looked further and saw that approximately {$550.00} had been deducted the week before! * I immediately contacted the payroll company, and after LENGTHY DISCUSSIONS, I was told # 1 - the company never received my cancellation, # 2 - " a system glitch '' initiated the charges, # 3 - I would need to re-submit my cancellation ( which I did ), # 4 - I would need to provide proof of coverage again ( which I did - but which they said was inadequate ), # 5 - I would need to provide a Certificate of Insurance ( which I did ), # 6 - And I would have to wait approximately 30 days for the company to determine IF I would get my money back. I was not allowed to talk to a Supervisor - presumably because none were available. When I inquired which Department Head was responsible for monitoring a system that arbitrarily self-engages to withdraw funds from client accounts, I was told " there is no specific department responsible for this. ". 
I asked to speak with the representative who handled my original call ( XXXX XXXX ), but the phone rep. refused to transfer me to him. Her name is XXXX XXXX. 
Please note that I am, of course, concerned about receiving my money back, but I am MORE CONCERNED that this company is ABLE TO WITHDRAW FUNDS FROM CLIENT ACCOUNTS - FOR ONE OF THEIR VENDOR AGENCIES ( XXXX XXXX ) WITHOUT NOTICE OR PERMISSION - and seemingly WITHOUT CONSEQUENCE. THIS PRACTICE MUST BE STOPPED, and I strongly suggest that consequences be imposed to DISCOURAGE further violations of customer trust. Had we not had the funds to function following this withdrawal, the consequences for OUR company might have been severe. I ask that this be viewed with THAT in mind and that sanctions be imposed to ensure an END to these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: SC

Complaint narrative:
XXXX sold my mortgage to BSI Financial. They took a year to set up ACH payments. They try pulling the payments early causing NSF fees. Then they wo n't accept payments. I 'm going to end up losing my home, that I had built on land that was my late grandfathers and then my late dad 's. My research has shown me horrible things about what this company does and their Investors, XXXX XXXX XXXX. It seems they foreclose on people, a " friend '' company buys the home at auction and BSI ends up owning the property before it 's all said and done. XXXX. Too many people are losing their homes to this crooked company. As for my situation, I 'm now a single mother trying to keep my home and land ( which is family land and means the world to me and my son ). If I was able to refinance, I would, but that 's not an option for me. This company needs to be stopped! What can be done to stop this monster? I know there are enough people being ruined by this company that it 's known what they are doing. Please, someone help.

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 2016-07-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I was not sent a final bill after I canceled my XXXX account as I was told they would do so I could pay the remaining balance, they never sent a final bill nor did they send someone out to pick up their equipment and tried to make me pay for it, I finally got them to pick up the equipment but still was denied a final bill instead they sent to collections, I was just notified by XXXX when I checked my credit, I immediately called and made full payment ( still without a bill ) payment confirmation number is XXXX. Please remove this collection from my report immediately. Thank you

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 2016-03-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: AZ

Complaint narrative:
Refer to complaint XXXX. The complaint was not resolved. The company did not correct my mortgage payment effective XXXX 2016 per their response. They admitted that they stole {$1200.00} from my escrow account to pay someone else 's taxes and that they penalized me by raising my monthly payment. They made their correction effective XXXX 2016 leaving me to pay the {$890.00} for XXXX which is {$220.00} more than was due for XXXX 2016. Their response did not address the other issues at all ... the fact that they have consistently paid my XXXX taxes late costing me late fees and interest. They did not respond to my request for a refund of the late fees and interest that they again stole from my escrow account. They also did not speak to their insulting and derogatory message " This is an attempt to collect a debt and any information obtained will be used for that purpose. '' This statement is made on every call I have made to them and also appears in their response letter. They are not attempting to collect a debt, my account is not past due, I am calling them with questions and they are not a collection agency ... they are my mortgage company. I am 100 % dissatisfied with their response and demand action.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Blackhawk Network Holdings Inc.
State: DC

Complaint narrative:
Dear Consumer Financial Protection Board, On XX/XX/XXXX I attempted to sell XXXX XXXX XXXX E-Gift Cards to gift card reselling website Cardpool, with a total face value of XXXXUSD. Following the submission of my order, Cardpool marked my order as order as a " physical gift card sale '' and requested that I send them the gift cards via XXXX. I then contacted the store and explained that I did not have a physical gift card and asked if they would process the transaction, as I had already submitted to them the gift card numbers and pin information. Since then I have sent several emails and have received no response. Although Cardpool does not provide an exact timeline for customer service, their website notes that they " will get back to you within a day. '' It has been over two weeks. I am requesting the CFPB 's assistance in garnering a reply from Cardpool, and ideally, would request that the company process my order and sent me payment for the gift cards I have sold to them. 

For reference, the emails I sent along with the dates are provided below : XX/XX/XXXX I am attempting to sell your company XXXX XXXX XXXX E-Gift Cards, face value of XXXX USD per card. The transaction ID is XXXX. However, when I went through your online check out process your site noted that I now need to send you a physical card to complete the transaction. I am confused as to why this is, as I recently sold you site a similar XXXX XXXX E-Gift Card with no issue. I have also already provided your company with both the gift card number and PIN number so do not see why it would be necessary to send a physical card. Any assistance you can provide would be appreciated. 

XX/XX/XXXX Dear Cardpool Support, I am writing to follow up on the below inquiry in respect to my recent attempt to sell your company XXXX XXXX XXXX gift cards. I would appreciate your attention and any assistance you can provide. Thanks! 

XX/XX/XXXX Dear Cardpool Staff, This email marks my third attempt to follow up with your company in respect to my sale of XXXX XXXX XXXX Gift Cards for XXXX USD per card on XX/XX/XXXX. I again request that your staff review the order and process it as an e-gift card rather than as a mail-in order, as your system had wrongly designated my order when it was placed. If I do not hear from your company within the week, I will be forced to elevate this to the Consumer Financial Protection Bureau. I hope that this does not come to that action and hope to hear from your staff soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Bliksum, LLC
State: CA

Complaint narrative:
This company calls me 20 times a day from different numbers throughout the ALL US States, NOT just CA. I was hospitalized and they were told not to call, yet continued to call daily. They record ALL conversations without notifying the caller, and in CA that is not legal. They call before XXXX, and after XXXX. This is all harassment and they do not care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
i have requested tax documents from company several times per my request they state it will be sent and todays date is XXXX/XXXX/16 and this information is still not available to me. Thus I am unable to filetax return adn deadline is fast approaching.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 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:
Account is not mine, I did not pay or have a collection balance with XXXX, I have current service and always pay on time. This is unverifiable and inaccurate data

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