vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Nationwide Debt Management Solutions, LLC
State: GA

Complaint narrative:
Nationwide Debt Management Solutions ( Rep. XXXX ) contacted my job and spoke to A Supervisor about a personal debt I owed and proceeded to insult my Supervisor as she was the one who owed the debt accused my Supervisor of covering for me and told her she was n't professional for doing so and preceded to ask to speak to the Manager about my personal circumstances. Ask the supervisor for my personal information. My supervisor explained she was n't able to give out associates personal information and she kept insulting her and kept harassing my dept. supervisor for a total of 10 to 15 minutes.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I had a debt from XXXX on my chex system report and the debt was satified on XXXX/XXXX/2016 and XXXX call me to confirm the they updated my status in chex system to satified and it still not updated after the time they said they need to update the system its been over the time period and i cant get no response from chex system.

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 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Movement Mortgage LLC
State: TN

Complaint narrative:
On our initial meeting with Movement Mortgage on XX/XX/2016, they presented their closing cost estimate and our interest rate of 3.75 %. They noted that because my wife is employed by XXXX that we would receive a {$2000.00} credit towards closing. They wrote this on our paperwork they gave us which is clearly visible on the attachment, and XXXX also shows this credit on their employee discount webpage which we have enclosed as well. Fast forward 1 month and we find out our expected closing date of XX/XX/2016 has been pushed back to XX/XX/2016. We decide to let our rate lock expire and we will relock 60 days out around XX/XX/2016. On XX/XX/2016 we relock in at 3.75 % for 60 days which will give us a few days of cushion beyond XX/XX/2016 closing date in case anything happens and we dont close on time. On XX/XX/2016 when we are supposed to get our closing disclosure to meet the 3 day obligation, we hear from Movement that our rate and our product are no longer available. They claim because the Fed increased the rates that our interest rate had increased as well and there was nothing else they could do. They said this occurred sometime in XX/XX/XXXX but could not give specifics. They then said our new rate was 4.375 %. After some back and forth with the local loan officer, her boss, and his boss ( the top local boss ), we are put in touch with the corporate office where we present our attached timeline and letter. Within a couple of hours, the corporate boss calls us back and says they will honor our 3.75 % rate. We go to close on the XX/XX/2016 but we do not see our original {$2000.00} closing credit. 2 weeks later after moving and settling in, we email and call the local big boss about the credit. He does not respond to the email and is rude to my wife saying they had already done enough on getting us a great deal that we were not entitled to since our product did not exist anymore. It is our belief that the loan officer was negligent in locking in our rate at 3.75 % on XX/XX/2016 despite our repeated attempts for confirmation and her each time saying it was locked. We believe she, along with her boss and his boss all conspired to cover up this mistake by saying our product no longer existed and that we were stuck with the new higher rate, take it or leave it. We believe they fully agreed to our closing cost estimate and that it is not our fault they made a mistake and are trying to minimize their losses by eliminating the closing credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bakalar & Associates, P. A.
State: FL

Complaint narrative:
Bakalar and Associates in XXXX XXXX FL ( XXXX ) XXXX XXXX sent a notice stating an amount owed to my HOA {$1600.00} This amount was for past due amount, collectors fees and interest. I made payment to the original creditor the XXXX HOA for the past due amount and added an additional payment for the upcoming month bring the total of my payment to {$1900.00}. Thirty ( 30 ) days after I made the payment debt collector/XXXX sent a second correspondence indicating that a small portion of the original debt was still outstanding because I did n't make payment directly to debt collection company. Incidentally, the amount in question was for the collector 's fees and interest which was accruing even after the entire amount of the debt had been paid to the original debtor. I attempted to explain by law the interest should have been paid first according to the FL Statue 720.3085 ( c ) ( b ) -- this statue was included in the correspondence -- otherwise I would n't have know that attempting to collect the interest ( again ) was improper. 
I was able to speak with XXXX XXXX regarding the debt and shared by concerns. He was not swayed and is still attempting to collect {$350.00} which is an amount greater than what is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northland Group Inc
State: NE

Complaint narrative:
Party in error : XXXX 's - Creditor XXXX Located in : XXXX XXXX MallAddress : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXPhone : ( XXXX ) XXXXCollection Agency involved : XXXX GroupXXXX XXXX, XXXX XXXX : ( XXXX ) XXXXCase Reference number XXXXExplanation : I applied for the XXXX 's credit card, that this charge involves, in approximately XXXX of 2013, at the XXXX 's XXXX XXXX, XXXX store, at time of purchase The charge was for approximately 200 $ I applied for the credit card with the intention of building some credit as my credit history is blanko I have always paid for purchases and cleared up any and all debts with cash I was denied for the XXXX 's credit card at time of purchase because I had no credit history I paid for the purchase with cash I have not ever received a bill, credit card, notification or other indication that I had ever been approved for the card application After one full and entire year passed, after not having received a single bill or notification from the department store, I started to receive collection agency notices from the Northland Group for this charge I provided the following address with my application and since receiving the collections notice have been in contact with a billing specialist at XXXX 's to determine that they do have the correct contact information for my billing and home addresses ( address omitted here per instructions ) According to the billing specialist from XXXX the current charges include a year 's worth of late charges added to the account for delinquent payment on the account Because of the mix-up at the store level when the debt was paid in full with cash and my credit application was applied for and denied the company has not processed the cancellation of the credit application properly and continues to try to bill me and collect a debt which does not exist This billing and credit application error has destroyed my credit rating because it is the only item on my credit history. 
Other than this error in credit application cancellation, for a debt that was paid after the credit application was denied, I have nothing on my credit history. 
I do not even have a XXXX 's credit card number or any other reference for this case and charges as the credit line and card were never issued or mailed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Management Solutions, LLC
State: ME

Complaint narrative:
On XXXX XXXX, XXXX, a rental application submitted denied based on inaccurate information contained in XXXX, XXXX XXXX XXXX XXXX XXXX consumer database. 

Although not registered with CFPB or the state of Maryland XXXX, XXXX XXXX XXXX XXXX XXXX referred in their denial letter doing business as a credit reporting agency but refused to follow the FCRA and validate allege debt. 

On XXXX XXXX, XXXX, I immediately reached out to XXXX tried to obtain a copy of my credit report. In addition, asked if XXXX was reporting a collection item in the amount of {$3200.00}, for FMS Financial Solutions dated XXXX XXXX, XXXX. 

FMS Financial Solution reported inaccurate, knowingly false information about in regards to an allege debt. FMS Financial Solutions failed to FRCA and notify consumer of allege debt and give consumer an opportunity to dispute and ask for the debt to be validated. 

All parties involved XXXX, XXXX XXXX and FMS Financial Solution refused to follow the FCRA and provide FMS contact information XXXX current address, account number, name of company that placed debt in collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Hello, I am writing to dispute information on my consumer reporting file. I have been a victim of identity theft and believe there is false information on my file. 

Specifically, I have been living abroad for 3 years and I learned that while I was abroad my identity was used by a third party, potentially family member, who had my information and was aware that I was out of the country. 

Please remove all records for the past 3 years as they are not valid nor a result of my actions. I have not utilized a XXXX account during my time XXXX, thus any records for this time period are likely from fraudulently opened accounts. 

Attached is a relevant IC3 report for your reference.

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 2015-10-08 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: TX

Complaint narrative:
CHEXSYSTEMS HAS FAILED TO REMOVE ALL NEGATIVE REPORTING HISTORY FROM CHEXSYSTEMS REPORT. ALL ACCOUNTS THAT ARE LISTED IN CHEXSYSTEMS WERE INCLUDED IN CHAPTER XXXX BANKRUPTCY. BY LAW THIS ACCOUNTS HAVE TO BE REMOVED AND DELETED FROM MY CHEXSYSTEMS REPORT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 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 having issues with Chex-systems. I have filed several police reports with the XXXX in reference to an identity theft issue that I have going on. Someone continues to use my identity to open up loans with credit unions that lead to inquiries on my chexsystems. I filed an initial police report and refiled another report after there were accounts opened fraudulently and I just finished amending my police report once again because i have had continued issues with identity theft. Chexsystems in reporting several fraudulent inquiries on my file I have only opened a XXXX checking account and have not authorized for any institution to access my chexsystems file. XXXX should be the only inquiry that i should have reporting on my file an chexsystems is reporting several fraud inquiries on my report. I am attaching a copy of my XXXX police report which has been amended already because of recent fraud. I am requesting for Chexsystems to remove the fraudulent inquiries from my chex systems file the only inquiry that should be reporting in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 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: Admin Recovery, LLC
State: GA

Complaint narrative:
Debt collector, Admin Recovery, contacted an unrelated, third party about a debt I owed to a company. This person was not listed as party to the debt so I 'm not sure how Admin Recovery even got their contact information. When Admin Recovery called the person, it was not for the purpose of verifying my contact information. They told this third party my information and what the debt was related to, including the company name even though they were not asked what the call was regarding and did not verify who the third party was before discussing the debt and/or company with the third party. They were also told that the person they were looking for ( me ) could not be reached at the number they were calling, however, they proceeded to discuss my information with the person on the phone anyway. 

Admin Recovery was told by the third party that the third party was not related to the account in question, had never been related to the account in question, had no knowledge of the account in question and that they should be calling the person who was responsible and listed on the account in question. 

When I confronted XXXX different reps, XXXX and XXXX XXXX, from Admin Recovery about their company contacting a third party regarding about me, they denied doing so and said that I was lying and making things up. Little do they know I have a screen shot showing where they called the person 's phone along with the date and time of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 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: MA

Complaint narrative:
I finally received the report on XXXX XXXX XXXX. Neither me nor the bank understands what the report means, or why I have a low score. Nothing in the report indicates why I would be a high risk client for a checking account. 
I would like my record to be completely expunged from ChexSystems by no later than XXXX XXXX, XXXX ( 30 days since requesting the report ). If not, I will be forced to hire a lawyer to investigate ChexSystem 's compliance with the Fair Credit Reporting Act, and file a dispute for each false claim by ChexSystems.

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 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT

Complaint narrative:
Chex systems has failed to delete inaccurate information of addresses and name information and unauthorized inquires. Additionally submitted a police report to have the XXXX account removed from their system. They have failed to verify the method verification as well. Additionally, XXXX has failed to verify authenticity of the dispute within the time allowed under the FCRA. Thus the removal of this account as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a XXXX 's credit card. The store ( s ) billed me for XXXX extra water heaters to my home over charging me {$1100.00}. The bank serviced by XXXX Bank told me I had to see the store which I did. It took over a week & more than a few trips to resolve. In the meantime my closing statement of XXXX/XXXX/2015 was showing me OVER limit & requiring a larger payment since the error put me {$94.00} over limit. I called their customer service # & spoke to XXXX who was very uninformed to the credit biz which I have been in OVER 49 years. I told her about the error & wanted to know what my payment should be before XXXX/XXXX/2015 & she insisted it was the {$420.00} which was on the inflated balance of {$1100.00}. I told her that was n't right & she kept stating the payment was based on the average daily balance. If I do n't owe the money how could I have a balance that high? She kept saying the same thing over & over & I was getting no where with this ill informed clerk. I paid the higher payment & got the next billing with a XXXX/XXXX/15 cut off but only crediting me with the returns & not the interest credit. If I owe XXXX & they make a mistake of {$5000.00} the first day of my billing my average daily balance is {$5000.00}, but I owe NOTHING! So they bill me@21.00 % turn around & give me the {$5000.00} credit back on the next statement & NO interest credit so I have been charged 21.00 % for XXXX month or 1.75 % for the month on {$5000.00} or {$87.00} in interest NOT due them. This probably does n't put them in a violation of exceeding credit card limitations on rates in Florida but it might elsewhere. But they sure are stealing a ton of money from the public!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I understand that there are no laws regarding a banks right to decrease a consumer 's credit limit but today I saw where Barclay reduced my credit limit of {$3500.00} with a balance of {$1900.00} to a credit limit of {$2100.00}. That changes this card 's utilization percentage from 56 % to 91 %. This account has been open a year, I 've never missed a payment with them or any of my other accounts in the last 3 years. My overall utilization score was about 35 % and I have no collections and no public records. This is the second company to cut my limit raising my utilization score and lowering my credit score. It 's not fair that I be penalized for using my cards, paying interest and making payments on time, especially when they did n't even consult me about it! They claimed they used information in my XXXX report, which is only XXXX of XXXX reporting bureaus and has out of date information as payments and charges fluctuate on a daily basis and take time to filter through to the bureaus. Someone needs to protect consumers that pay their debts on time and still get penalized.

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 2016-03-15 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony bank is the issuer of Amazon 's store credit card. If you look at the feedback for the card on Amazon 's site, you will see there are negative feedback ratings regarding Synchrony bank changing credit limits without notice. While this may be happening as well, Synchrony is also doing the following : they are delaying giving proper credit when payments are made. 
They are giving credit in their automated customer service system. If a consumer calls, their system says 'We received your last payment of X on Y date ; however, they are not reflecting the available credit immediately. This affects the consumer 's available credit & has the impact of artificially lowering the credit limit as well as artificially making it appear a consumer is closer to their credit limit than is actually the case. 
For example, if I make a payment of {$100.00} to my XXXX XXXX today, tomorrow I should hear through their automated system that a payment of {$100.00} was made to the card and that correspondingly {$100.00} more credit is now available. Every credit card company I 've ever had does this. 
I made a payment to Synchrony on a Monday. I called the automated system for a week straight. The automated system acknowledged my payment but also told me my credit available was much lower than it should have been. I called their customer service area? was repeatedly told my card limit had not changed. So they credit people for payments but do n't make the credit available on the card. I believe this is the reason behind the negative consumer comments about the card. 
If this is not illegal, it should be for the reasons outlined here. This is a deceptive consumer practice affecting people 's credit on a daily basis. Please use your enforcement powers to investigate and fine the company accordingly. Also be very public about this ; people need to know this company does this.

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 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
In XXXX XXXX XXXX XXXX began foreclosure proceedings on our home at XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX. We fought the foreclosure but lost and our home was scheduled to be sold at auction. We were contacted by XXXX XXXX XXXX before the sale and given the option to enter into a loan rehabilitation program that would allow us to keep our home and get out of foreclosure. The program was for the year XXXX and at the end of the year our original loan would be modified from XXXX to XXXX but the interest rate would remain at 9.99 %. We successfully completed the program and our loan was transferred to Nationstar. We have been making our mortgage payment on time for the last four years. We recently attempted to get a refinance on our home and were told that we did n't own it. County records showed that our home was actually sold at auction while we were in the rehab program. The deed to the property is not in our name but the mortgage note is. We were told by lawyers that we are essentially renting our home and could legally be evicted at any time and still be held responsible for the mortgage note. We contacted Nationstar to attempt a resolution to this issue and were told the best they could do was put the deed back ion our names after we had finished paying off the note. The lawyers told us the best solution would be to file a complaint with the state and the state referred us to you.

Company response to consumer: Closed with explanation