vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc
State: NJ

Complaint narrative:
daily calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I have a security freeze on my report that i need taken off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Northland Group Inc
State: TN

Complaint narrative:
They are calling for my son ( XXXX XXXX ) after I have told them that he does not live here. I have told them not to call, and they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I applied for membership to a credit union. The credit union told me they could n't pull my ChexSystems report due to a Security Freeze. Knowing that I did n't place a Security Freeze, I called ChexSystems and they confirmed that I DO NOT have a Security Freeze in place. 

The credit union kept insisting that a Security Freeze was in place. I ordered & received a physical copy of my ChexSystems report and it shows that I DO have an active Security Freeze on my report ( which I had never placed ). 

ChexSystems does n't seem to know what to do about the discrepancy and does n't seem in any hurry to figure it out. I 'm a real estate investor, so every day that goes by that I ca n't join this credit union and apply for a mortgage is a potential lost deal/money.

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 2016-09-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Admin Recovery, LLC
State: NY

Complaint narrative:
i had made a payment XXXX and then they wrote me off i was up today with my payments but they still wrote me off and now tis company ADMIN RECOVERY LLC XXXX XXXX XXXX XXXX XXXX XXXX, NY reported me to the credit report now my credit is bad

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Frost-Arnett Company
State: TX

Complaint narrative:
XXXX XXXX is billing me for an appointment I did not make but that a nurse scheduled for me.A no show appointment. I never was a patient of this XXXX but I called and spoke to a nurse about pain I was having and she suggested an XXXX but I was unaware that she scheduled one for me then I got a bill for no show. I have tried disputing this with XXXX XXXX and also XXXX.I was a patient of a different XXXX XXXX XXXX XXXX once you see any XXXX all your personal information is in their system. So she had access to my information and scheduled me an appointment without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased a gift card for {$100.00}, on XX/XX/2015 and was lost. So I reported the lost gift card on XX/XX/2015 and to this date XXXX XXXX, 2015 have not received the replacement cad. 
Please see attached receipt and the numerous calls to the company @ XXXX which has not been productive in getting our money back with a replacement card. they answer the phone with " XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 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:
There is a fraudulent account showing on my Chexsystems report with XXXX bank. This account was opened fraudulently in my name. I have attempted to contact Chexsystems on the number that I found on their website and have not been able to get a hold of anybody to resolve this matter. I have filed a police report and I am trying to get it to Chexsystems and have been unsucesssful.

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 2016-09-13 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Yes, I had been a victim of fraud and scam for this company LOAN ME charge me 135 % a day without my knowledge because of that they took advantage of me being unemployed with no unemployment benefits. I loan {$2600.00} and I still owed them $ {$2600.00} after four month paying {$300.00} a month. 

How can I get out this company. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: MN

Complaint narrative:
My mortgage was previously with XXXX XXXX XXXX and they sold it to BSI Financial as of XXXX XXXX, XXXX. My mortgage had been in the foreclosure status previously with XXXX XXXX XXXX due to my husband being XXXX and not getting paid. We were working with XXXX XXXX XXXX to get the mortgage current. We finally received the documentation and total amount due to get the mortgage current. We did not receive this information until XX/XX/XXXX therefore the total amount of {$14000.00} was sent to BSI Financial on XXXX XXXX, XXXX, which made our mortgage current and out of foreclosure. We have been trying since XX/XX/XXXX to get information from BSI Financial on our loan details. They are not sending us statements or giving us any information. We filed bankruptcy in XX/XX/XXXX and have continued to make our mortgage payments with XXXX XXXX XXXX since then. Now BSI is telling us they will not send us statements because our home was included in the bankruptcy yet we have continued to pay it and was reaffirmed. My husband had to send a letter to BSI Financial requesting monthly statements and also he had to say that he understood they were for informational purposes only. We have been trying to make our XXXX XXXX house payment which is what is due. We have gotten nothing but the run around from BSI Financial. They keep saying our house is in the active foreclosure process yet the payments are current. I have called numerous times, left numerous messages and no one returns calls. I have owned my home for 18 years and have escrowed my homeowners insurance now this new company is telling me that I ca n't do that. When I told them that I wanted the money back that had been escrowed through XXXX XXXX XXXX for my homeowners insurance, I got ignored, the customer service person tried to change the subject. I told him that they were stealing my money if they did not return it. I was then told that they would have to do an escrow audit and they would return any property tax overages. This is not the property tax escrow money, it is homeowners escrow money, XXXX different things. I did not seek this company out to service our mortgage. I want to make my house payments yet keep getting jerked around. I try to go onto BSI Financial 's website to make payments and I get locked out. I call to get it unlocked again, no response. This company needs to be shut down they are taking advantage of people that had no choice in using their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
We have a mortgage loan with 21st Mortgage that includes impounds for taxes and insurance. We received notification today ( XXXX XXXX, 2016 ) from XXXX XXXX that 21st Mortgage failed to make the insurance premium payment, and that it is due in full ( {$620.00} ) on XXXX XXXX, 2016. They stated they sent the policy renewal bill to 21st Mortgage 45 days ago, but have not received any response. I attempted to call 21st Mortgage, but they do not have any representatives available on weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bliksum, LLC
State: WI

Complaint narrative:
The company offering the Loan is LoanME inc. I entered into an agreement with them XX/XX/XXXX, after making a payment in XX/XX/XXXX I was unable to pay for the payment in XX/XX/XXXX due to losing client business. I restructured the loan in XX/XX/XXXX to lower payments and entered new terms. The company continues to report on the old terms to XXXX but had marked payment in XXXX XXXX and In XXXX XXXX as current. 

I unfortunately missed another payment XX/XX/XXXX, and had to renegotiate the terms again ( this company offers interest rate over 100 % for life of your loan and much higher if you take loan to term ). 

When I missed the XX/XX/XXXX payment, the company advised me that they were now going to reverse the " current payments '' XX/XX/XXXX and XXXX XXXX as missed. They suggested they are allowed to do this bases on there legal contract. The company now has marked my credit 30 days late in XX/XX/XXXX, 30 days late in XX/XX/XXXX even though I made the agreed upon payment, 60 days late in XX/XX/XXXX even though I made they agreed upon payment, and 90 days late in XX/XX/XXXX. ( payment was only 30 days late ) The company practices extremely deceitful and unfair credit reporting on XXXX and takes away your on time payments even though I paid them on time on there new agreed upon terms. This company should not be allowed to report to a credit bureau and is not looking out for the best interest of the consumer and practices unfair and deceitful credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 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:
I sent a QWR to BSI on XX/XX/2016 and have had zero response back. I can not log in to their system to check any balances to make a payment and I have not received a statement from them since XX/XX/2016. I want to pay my loan but they are still not applying funds correctly and doing whatever they want. I call no responses back. I write letters and emails and no response. They are clearly violating Respa and CHBOR. I want to answers and access to my account online. I want my loan and XXXX I sent them to be applied correctly. The fees that they were trying to say from previous lenders have all been disputed and XXXX also sent them statement that I owed nothing and still saying XXXX. I have sent copies of payments to them and still lying. I want this cleared up and to pay my bill online. I have never had any servicer go to lengths to never send out statements, block online access and no response. All Illegal and also copying lawyer and Attorney General so there is proof of every violation. This will be taken to court as these violations have financial recourse for BSI to pay me. I can make my payments but it seems they do not want me to.

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 2016-08-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: OR

Complaint narrative:
BSI Financial Services, as purported agent for XXXX solely in its capacity as Separate Trustee of XXXX XXXX XXXX, is attempting a non-judicial foreclosure action with a sale date scheduled for XXXX XXXX, 2016. However, BSI is not the agent for the true owner of the loan. In addition XXXX XXXX XXXX, XXXX XXXX, XXXX and the XXXX XXXX XXXX are not the owners of the loan nor are they agents of the true owner of the loan. This non-judicial foreclosure is being wrongfully attempted by a party that is not being transparent as required by Oregon state non-judicial foreclosure laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
I purchased ( 4 ) {$500.00} Visa Gift cards from XXXX on XX/XX/XXXX. I have not received the cards as of today, XX/XX/XXXX. I opened an investigation with XXXX/Blackhawk Network and was informed that the cards were registered in someone else 's name and were completely used. 

I received letters in the mail stating that Blackhawk did not find the transactions to be fraudulent and are denying my claim. 

I 've neither received the gift cards I ordered nearly 2 months ago nor have I received a refund to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP.
State: PA

Complaint narrative:
I am in process of short sale of my property in XXXX PA, first mortgage is ready to accept the offered price but second mortgage is not accepting the amount authorized to them by HUD/FHA rules and need more or send the property to foreclosure. Second mortgage is being unlawful hurdle in the process, what are my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 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:
When moving from my prior residents I turned in equipment for wifi cable/internet. After several calls to XXXX I was assured this issue was resolved. XXXX listed me with XXXX wifi routers. I explained to them on numerous calls that I had only XXXX wifi router as this is XXXX home and they agreed. I did have the router replaced because it was faulty over a year ago and XXXX stated the person who handled my case obviously did not log the equipment as returned and this caused my record to show XXXX and I was assured this will be taken care of and I would not have any further issues and now I have received a box to return equipment and I continue to receive a collection notice for something I do not owe.

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 2016-04-04 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
My Tmobile Visa account was closed due to an " internal risk issue '' with {$3000.00} in the account. I 've called multiple time with the first XXXX people telling me the money is simply gone. The third time I called, I was told to send in a picture of my ID next to my face ( a ridiculous request ) as well as receipts from my last transaction ( over a week ago and those receipts are long gone in the trash ) They said there is not other way to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I have a Traditional and Roth IRAs money market accounts with Ally Bank. I 'm in the process of trying to transfer those funds between XXXX other FDIC insured banks so that all of my IRA money will be Federally insured. I signed, dated, and mailed the " IRA Transfer Requests '' applications from these XXXX banks to them. XXXX of the banks in turn submitted this signed request form to Ally Bank to start the process of transferring the money into the new Tranditional and Roth IRA money market account. However, a representative from Ally Bank called to inform me that the requests to transfer the money had been denied. When I asked Ally Bank why the transfer was denied, they informed me that my signature was not notarized by a notary public with a notary stamp. She said anyone could signed a transfer document. I told her that I had signed it and that I was giving her verbal authorization to make the transfer. I told her that she had asked me at least XXXX security questions to verify that I was the owner of the account in questions before we began the discussion of my IRA. There is no logic why after successfully answering the security questions that Ally Bank refused to accept my verbal acknowledgement that I ( the owner of the IRA accounts ) legitimently requested the transfer. The Ally Bank representative agreed with me but said the notary public notarization was their procedure. So I reprinted and filled out the Transfer Requests for a second time and had them notarized and signed by a notary public. I called Ally Bank bank to let them know that I uploaded a copy of the new " Transfer Request '' forms to my new bank and that they would send them the new transfer request. It was from this XXXX discussion that I was told that these requests would also be denied because they were uploaded copies and not the original forms. These kind of onerous rules have no place for an online bank who touts the ease of their software to fill an individuals banking needs. At the very least when I was initially informed that my transfer request was denied, I should have been emailed the precise requirements that needed to be performed to submitt successful transfer form. Instead I accidentally stumbled across the requirement that the transfer request forms had to be the original ones. At the most, when I call Ally Bank and successfully answer all the security questions but then still can not direct how my accounts are to be handled goes counter to having an online bank account. This is wrong and in my opinion over kill when the owner of an account can not call Ally directly to direct how their account is to be handled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I have ally bank checking and savings account. I wanted to transfer $ XXXX from my ally bank account to my spouse 's ally bank account. But finding it very difficult to deal with this bank ( ally ). 
1 ) They have setup limits for XXXX transfer which is $ XXXX for 30 days. 
2 ) they have some very useless excuses " why do n't both of you open a joint account '' rather than fixing this issue. 
3 ) Ally is not ready to increase the 30 days limit to more than $ XXXX even when i am ready to take all the risks/accountability 4 ) They use a bad excuse that XXXX is from 3rd party so they dont have any control. 
I am really impacted due to the limitations by this online bank. Have they been concrete or mortar bank..i could have walked-in and did it on my own.

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 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
On or about XXXX XXXX, I begin monitoring my credit scores from TRANSUNION. My scores have continue to drop, with no justification for such a drastic drop. TRANSUNION is the only credit reporting agency that continuing reporting very poor credit scores. 
On XXXX XXXX, XXXX, I received the lowest credit score ever reported. TRANSUNION continues to be non responsive to many disputed letters and even has been non responsive to a complaint submitted to Consumer Finance Protection Bureau. It has been noted that several creditors have reviewed credit scores received from TRANSUINION, resulting in several creditors denying approval on great credit rates. TRANSUNION continues to label me as a high risk or bad risk with no justification. Why is the system allowing TRANSUNION to continue to degrade me, why are creditors continuing to accept what TRANSUNION report as gospel. Why is the Consumer Finance Protection Bureau or the organization that oversees credit reporting agency 's actions allowing them to continue to report very poor /poor credit scores, without justification? The other credit reporting agencies have shown great improvements in my credit scores. 
Having reviewed latest credit reports I found that there is very little differences in what each agency is showing on credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
GMAC continues to report negative information and an outstanding balance even though the account has been discharged in a chapter XXXX bankruptcy. The credit reports do not reflect a zero balance nor do they state the account is included in a chapter XXXX bankruptcy. 
I have disputed this with all the credit reporting agency 's without any response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation