vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
A XXXX called my mom 's home number advising her that I need to contact him immediatley or they are going to garnish my wages and take monies out of my bank account. He left a phone # with an ext., so I called the number and a man answered the phone so I asked for ext.? and he said this is that ext. I advised him I was returning his call and gave him my name and he went on to state I owe {$1000.00} towards a Tribute credit card from XX/XX/XXXX and how do I want to pay it. I advised him I needed something in writing showing I owe this money to Tribute before I pay anything and he became exsremely billigerent towards me threatening to garnish my wages because he knows I owe it. I advised him that I dont have a Tribute credit card on my credit report in collections and he said there company hasnt released it yet and that 's why, so I told him at this point it 's been 7 years and they could n't go after me legally anyway, but I would be willing to pay the {$300.00} he first offered to settle with me if he emailed me the information I was asking for, but he started yelling at me and wouldnt let me explain anything. He said he didnt have time to email me that information, so because I couldnt speak I just hung up the phone. I was in a car accident in XX/XX/XXXX and had to have extensive XXXX in XX/XX/XXXX that put me out of work for 3 months, so I admit I wasnt able to pay the credit cards I had at that time but I did end up paying two of them off because they worked with me. I have never been spoken to like that by any other company represenatative in my life. He was a complete bully and I have been in tears all day because Im scared of the situation. Please help me with this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2015-06-02 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Check City Partnership, LLC
State: NV

Complaint narrative:
I received a loan and paid off the loan. But then they said that I took another loan out. Never received the loan. They been calling me for XXXX days now. But they decided to call my MOM AND TO INFORM HER ABOUT MY LOAN PROBLEM. THEY STATED TO THAT THEY HAVE THE RIGHT TO GIVE ANYBODY MY INFORMATION IF THEY KNOW MY LAST XXXX NUMBERS OF MY SOCIAL.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
I was approved for offered and accepted Department of Justice Attorney General Modification trial modification term by XXXX XXXX XXXX who subsequently after successful completion of 2 months of the 3 month trial sold and transferred my loan in question to BSI Financial Services as the new servicer. As stipulated the DOJ Attorney General Settlement Consent Judgement in exhibit A section M Transfer of Services of Loans Pending for Permanent Loan Modification pages XXXX and XXXX, and as agreed and confirmed by BOTH XXXX XXXX XXXX and new servicer BSI Financial Services it is mandated and agreed that " Servicer shall ensure that it will accept and continue to process pending loan modification requests .... and that it WILL HONOR TRIAL AND PERMANENT loan modification agreements entered inot by the prior servicer. It has been agreed and confirmedby BSI representatives that my required trial was completed with my XX/XX/XXXX payment. It was further confirmed in a XX/XX/XXXX email from BSI that they would honor my completed trial plan and move my loan to permanent resolution of a permanent DOJ Settlement modification adhering to the terms worked out for my loan on my behalf through the California Mortgage Modfication Monitoring office of the California Attorney General office. As early as XX/XX/XXXX, at their request, I provided BSI DOJ Modification offer and approval documentation from XXXX XXXX XXXX ( prior Servicer ) as well details and emails between the attorney representative of the California Mortgage Monitor office of the Attorney General 's Office and XXXX XXXX XXXX authorized representatives including detailed permanent modification terms. Since XX/XX/XXXX to present date my permanent modification terms and documents have not been remitted to me and my permanent DOJ Attorney General modification per the Settlement and agreement with prior servicer has not been made permanent. I have waited patiently and with understanding as my requests for status, updates and expectation of my permanent modification have met repeatedly with the response that the BSI " underwriter is backed up. '' It is now XX/XX/XXXX and as my situation includes the special circumstance of being a Department of Justice Attorney General National Mortgage Settlement permanent modification term agreement I would hope for priority in processing and finalizing and that my mortgage should have been permanently modified before this timeframe.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: IN

Complaint narrative:
Our mortgage company ( BSI Financial ) has not paid our real estate taxes since XXXX of 2015 out of our escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: WI

Complaint narrative:
inability to contact bsi

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 2016-02-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: PA

Complaint narrative:
I am reaching out to you in regards to the same complaint I filed back in XXXX 2015, Case number XXXX in regards to BSI Financial. Despite my contacting your agency, I still have no resolution to the issues that began with this company, falsely reporting to the credit bureaus for late payments which are not late. I have repeatedly attempted to talk with anyone in this organization regarding an explaination of the random bills being sent to me as well as threats to foreclose on my mortgage while the entire time I am making my payments by the end of the month and have every month and this company is cashing my checks. Just last week I received a bill claiming I owe them XXXX and three days later a reminder that I owe them XXXX. Nevertheless, this false reporting has cost me the ability to refinance my home due to XXXX lates on credit report and as of today, XXXX XXXX, I have not received a valid explaination as to what is going on with my money. XXXX person tells me my mortgage was short XXXX on a XXXX payment and the next tells me I missed an entire payment when I have in hand every cancelled check paid by them. In their system, I was told by loss mitigation, that a payment for XXXX 2015 was missed and that they had the exact amount of the check that was cashed had a negative mark next to it. I have the cancelled check for this as well as bank statement, all of which I have provided and still they come up with no answers. Each new person I talk to refers me to someone else who cant explain. In the meantime, I have missed three days of work with all of the paperwork and research time and I still have no resolution and am heading into financial disaster due to barely keeping up with this high mortgage payment. Will someone please investigate these people. 

At wits end!!! 
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 2017-02-15 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
I was contacted about a debt that was supposedly due more than 2 years ago. The medical company was given full payment after insurance determination and then six months ago, they decided they want {$55.00} more without informing me as to why the barge was created out of the blue. Financial recoveries is not confirming the validity of the charge and the time frame allowed to make banged to already settled accounts before hassling the customer and ruining the bank balance and good credit. They must be prosecuted and not allowed to practice debt recovery.

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 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP.
State: NY

Complaint narrative:
It is with great frustration that I am writing this letter to you. I have been requesting from 21st Mortgage corp a loan modification to no success. 
I have now received a notice of sale for my primary residence at XXXX XXXX XXXX XXXX, XXXX, New York XXXX from the Supreme court.. 
I began to struggle in XXXX after having a triple by pass. It was in XXXX when my wife lost her job and in XXXX it was then when I began to default on my mortgage.. Our daughter moved in with us and provides 100 % to the home.. We have provided various packages for a loan modification to no success.. I am presently again updating my finances and providing such to the bank. 
Please review our financial situation and adjust to an affordable level. 
Our mortgage is also upside down I desperately ask you help us. to keep from foreclosing. in our property and avoid further delinquencies. 
We have taken severe steps to better our financial situation. We have eliminated services to our home. This is our only shelter. 
I am requesting a work out plan that will extended the terms, lowering the rate and adjusting the principal balance..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
XXXX sold off my collection to a third party, that third party gave out my information to someone else who picked up the phone. They admitted it, but then claimed that I was lying about it not being me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
I was sent a prepaid card unsolicited that supposedly contained a rebate for a purchase I made. I did make the purchase but did n't request the card. The fees and challenges of using the card made impossible to apply its balance to purchases. I have since received a second card unsolicited, which I am refusing. The card comes from Blackhawk Network, associated with XXXX XXXX XXXX XXXX, SD. The rebate was for XXXX products manufactured by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc.
State: WA

Complaint narrative:
Blackhawk XXXX gift card. An on-line merchant employee took card info during a purchase and attempted several transactions. XXXX succeeded ; XXXX XXXX XXXX for {$250.00}. Blackhawk says it was a valid transaction and refuses to return the money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 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 filed an Qualified Written RESPA request for information with my servicer on XXXX XXXX, 2015. They completely ignored it. Then, after waiting for a while and receiving no acknowledgment, I filed an complaint with you and re-send the RESPA request to BSI Financials on XXXX XXXX, 2015. This time, because i file a complaint with you, I did get a response. However, the response was not complete and did not contain important information material to the review of my loan. In their response, XXXX XXXX, a BSI financial complaint resolution specialties, writes that she finds my request " overboard or unduly burdensome ''. Interesting choice of words since, the RESPA GUIDELINES are quite clear about what information can be requested and that the Servicer must comply with the request. The RESPA guideline do not say that a Loan servicer or Lender can pick and choose what information to provide and what is burdensome and therefore can be skipped. I strongly demand that they compl with RESPA guidelines and provide complete information as per my qualified written request. If they do not have proper documentation for this loan they should forfeit the rights to foreclose on the property. 

In addition, They have been using wrong name on all correspondence, notice of default and notice of sale. My name Is XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. Law requires that all notices including but not limited to Notice of default and notice of sale must be corrected and issued again. Or, please provide documents showing how any why it was necessary to issue notices to wrong name and thus wrong person. According to the California 's NON-JUDICIAL foreclosure law, all information contained in the foreclosure communication or notice is must me truthful and correct. Notices containing untruthful information such as wrong name and addressed to the wrong person are null and void. 

Please understand they are trying to foreclose on my family home without proper documents, process and with untruthful information. Their assertion that my request causes unduly burden on their institution, is insensitive, disrespectful and most importantly points to a fraud. I respectfully demand that they Immidialaty dismiss all foreclosure activities. follow the California 's NON-JUDICIAL foreclosure law and comply with the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: IN

Complaint narrative:
We had our mortgage thru BSI and they had contacted us and said that we could skip three payments on our mortgage to help us out. We were in the works of getting this taken care of speaking to XXXX at BSI when our mortgage got sold to XXXX in XXXX, we had a verbal contract with XXXX that we would not have to pay our Mortgage until XXXX of this year, when our mortgage got bought out he assured us that the new company would honor the same agreement. The problem is XXXX has had our mortgage for a month and a half now and are waiting on the paperwork from BSI and XXXX so they can hold up the agreement we had with BSI. I have emailed BSI askign them to send the information to XXXX but they are not responding to my emails so we are stuck in a hard spot at this point, on top of all of this they did not pay our property taxes for a year and a half so our hous is on the list to be sold for back taxes. Nice company would n't you say,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
This will be our XXXX filing with you guys. As of today we have also hired a real estate attorney to represent us in State court. Our loan was originally with XXXX XXXX XXXX with underwriting when it got transferred to BSI. We were told BSI would pick up where they left off and complete our modification. Both my husband and I were previously laid off and fell behind on everything. We were only asking for a recapitalization. No debt to be written off. No decrease in interest rate. We were fortunate enough to find full time jobs again and I ended up making more money then before. We have submitted proof numerous times and they still decline any type of assistance. These people are the rudest most unprofessional people in business I have ever dealt with. There are numerous complaints about them on line and numerous people trying to get a class action law suit started. The only option they give you is foreclosure or short sale. We have been in our home for 18 years and all of our children have been raised there. We have provided proof we can afford even an increase in our house payment. I do n't understand why they would rather someone lose their house then working with them. Along with hiring an attorney today, we have also contacted the state attorney general, HUD and the housing authority. Our home is currently on the market for sale and is n't even released from the bankruptcy that we were forced to file and dismiss multiple time trying to work with BSI. Please investigate this company as they are ruining peoples life. They refuse to work with anyone. I wish our loan would of just stayed with 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 2015-12-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
I made a timely payment electronically to BSI Financial. I received a notice that the payment had been scheduled. The payment did not get processed. I emailed and then called BSI to find out what the problem is. They can provide me no explanation for why my payment will not process, they can not locate a supervisor to talk with me and they will not provide me the information of the government agency they are accountable to. How can I get BSI Financial to properly process my on line loan payments?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Automatic Data Processing, Inc.
State: FL

Complaint narrative:
I purchased XXXX items from XXXX for the amount of XXXX and XXXX as a result, the XXXX was for car parts which i was missing some parts which were XXXX and the shoes were for XXXX which were defective i opened up a dispute with the merchant it was denied i opened up the dispute with my bank adp as a result im very upset and un happy with the outcome im just asking for my refund which clearly no one is willing to do so! Adp should be embarrassed and ashamed to do their customers this way! Its a big mess with these XXXX transactions ive been giving the run around for a month straight lie after lie

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Acceptance Solutions Group, INC
State: MO

Complaint narrative:
Beware!!! Someone in the company will steal your account information and use your card! I have never given my account information over the phone to anyone. This is my first time ever! They asked me for XXXX different checking account routing and account numbers. Then they asked me for my debit card number, expiration, and code on back. Then they asked for my online payroll information ( name and password ) to set up payroll deductions for me. I thought it was strange that they asked for my debit card info as well as XXXX different checking accounts. I received the loan and exactly a week later, my card had been used in XXXX! I am in XXXX! I contacted the company and no one has returned my calls or emails. I blocked my debit card and changed my password to my payroll account. I also cancelled their payroll deduction in effort to get someone to call me. When you call them it goes directly to voicemail system no matter what time of day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: PERSIAN ACCEPTANCE CORP
State: MA

Complaint narrative:
My car. Was repossessed after 5 year ayments The car. Was. In AccidentAccident while. It. Was. In. An accident. Car. Malfunction ed. Went. Into. A tree. The. Insurance co. XXXX paid. The. Finance. Company {$1500.00} Dollars. sl

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
On XXXX XXXX, I attempted to open an account with a credit union. Apparently they use Chex Systems , Inc. for a check before allowing you to open an account. Chex Systems responds with " Driver license is not on state file '' so I was declined. This has never happened to me before. I asked them to run it again, same thing. I contacted the local Division of Motor Vehicles in XXXX XXXX, MO who indicated my driver 's license is on file and the driver 's license number is correct. I then contacted the Missouri Department of Revenue in XXXX XXXX, MO who also confirmed my driver 's license is on file and the driver 's license number is correct. I 've sent a letter explaingin all this to Chex Systems , Inc via fax to their complaint department and consumer relations department XXXX XXXX, 2015 and have heard nothing back. This is a time sensitive matter for reasons I wo n't discuss here and have spent several hours trying to figure out how to get this inaccurate information taken care of quickly, so it has me extremely frustrated.

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