vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-12 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 putting a complaint on Chexsystems cause I am having ongoing issues with them and they are not trying to correct the issue. In XXXX I had requested a copy of my chex systems file. I received a letter from them dated XXXX XXXX XXXX that my file was mixed with another file with similar information. The reason for this is because I have been a victim of identity theft. They requested for a copy of my social security number to correct the issue. I sent them in a copy of the letter and social security card front and back along with a police report that I had filed. They sent me a copy of my chex systems file at that point. After reviewing the file there are multiple inquiries on my Chexsystems file that were a result of the identity theft. The original police report i sent in dated XXXX/XXXX/XXXX I sent to chexsystems and now I am attaching to my complaint the new police report that I have filed dated XXXX/XXXX/XXXX. The list of inquiries on the report are extensive the only inquiry that should be reporting on my report is XXXX XXXX XXXX on XXXX/XXXX/XXXX I have not requested or authorized anyone to access my chexsystems since then. The rest of the inquiries are the result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ZARVAD III S.A.
State: LA

Complaint narrative:
First of all I applied for a payday loan with my payday loan. After seeing the outrageous finance fee I decided not to take the loan and exited away from the screen without agreeing to electronic signature agreement. Next day there was {$300.00} in my bank account and they prevented me from cancelling by making it impossible by communication. I eventually closed the account and they turned me over to XXXX XXXX XXXX who then turned me over to XXXX XXXX. I began receiving threatening phone calls from XXXX of XXXX XXXX XXXX who said I owe {$1100.00} but would give me a discount of {$800.00} due if I set up arrangements to pay with payment information. I told her I did n't have it and she then told me she was turning me in to my parish district attorney and I 'd be served a summons at my work. Then she called my mother in law and left her a message that I had charges against me. I finally gave her my credit card number but will cancel the card after I hear back from the original lender on whether the company is correct in their claim

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Krawczyk, Duginski & Rohr, S.C.
State: WI

Complaint narrative:
Received a letter in our on XXXX XXXX. Letter from collection attorney was dated XXXX/XXXX/2016 given me an opportunity to respond. Upon further investigation the envelope it was sent in was dated XXXX/XXXX/2016 this explained why I received it so late. I responded in writing on XXXX/XXXX/2016 and sent it via XXXX. Now today I am served a suit for the money amount dated XXXX/XXXX/2016 and filed XXXX/XXXX/2016. It was filed 3 days before I received the initial letter. I believe the letter was deliberately held 5 weeks and then mailed in an attempt to claim I never challenged the claim or responded to the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Professional Medical Management, Inc.
State: PA

Complaint narrative:
Financial Recoveries collection agency ( XXXX ) reported XXXX disputed billed amounts to the credit bureaus both without my knowledge and after I made a payment. 

1 ) For a negative entry of {$100.00} they reported to the credit reporting services, I had never received their correspondence. As a result, I never got a chance to dispute the balance. I made the payment anyway despite my disagreement to the balance my medical provider XXXX XXXX ( XXXX ) tried to collect through Financial Recoveries. 

2 ) Financial Recoveries reported the amount of {$53.00} on XX/XX/XXXX to the credit reporting services even after I paid it through their automated system on XX/XX/2016. Not only that, immediately after I received the letter from them for this balance, I faxed a letter disputing the charge. They immediately sent me a copy of the original creditor 's bill which I disagree, I called them and made the payment regardless as I realized I was too powerless to fight the hospital and the collection agency. Still within a few days after I filed the dispute against the charge and after I made the payment, they still reported this to the credit bureaus. 

Their action was relentless and against rules and caused distress and negative impact on my perfect credit history.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29 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: Kohn Law Firm S.C.
State: IL

Complaint narrative:
Received collection letter dated XX/XX/2016. 
Sent cease communication letter on XX/XX/2016 via certified mail. 
Was received and picked up on XX/XX/2016. 
Received another collection letter on XX/XX/2016 They are in violation of the law by contacting me after I told them to stop.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Blackhawk Network Holdings Inc.
State: IL

Complaint narrative:
I bought REloadit packs and loaded them to my safe. I tried to pay a bill using their bill pay feature, but it never went through. I opened a second safe and tried again. It did n't go through either. I have been trying to get a refund for these payments since XXXX ( it 's XXXX today ). I have been fed false information by this company and am beginning to think I 'll never see this money again. I have spent about 20 hours on the phone ( all recorded on my end ) and am surprised about his this company is allowed to operate. I have received XXXX refund checks in the past for unrelated issues. 100 % of the time, the refund check got lost in the mail. They take 30 business days for the check to be approved, then require XXXXXXXX business days for shipping. That means after they tell you they 're sending a check, it could be close to 2 months before it 's due date at your door. This is enough time for many people to forget a check was even supposed to be coming. 100 % failure rate makes me believe no check is ever sent the first time around. After you call them back and wait for another check to be approved, they might finally send it. When they do, it is a very small post card style check, which is small enough to fall in cracks or be overlooked as mail altogether. I am now on the XXXX iteration of checks being issued for this refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-25 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I tried to get a refund on {$4500.00} worth of cards. I called reloadit and they said that if I would send them a copy of the receipts I would receive my money in 20 days. This was on the XXXX of XXXX. Then they asked for a copy of the reloadit cards with the numbers on them and they said it was approved.=, but they wanted me to send them a copy of my drivers license and my utility bill. Than they said they sent the check out on XXXX XXXX. I still have n't received nothing so far and i told them if I did n't received my check by the XXXX XXXX I was going to call the FBI and the FBI said that I should contact you. I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-22 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 HAVE BEEN APPLYING FOR MORTGAGE ASSISTANCE WITH MY SERVICER, BSI FINANCIAL. BSI HAS ASKED FOR THE SAME DOCUMENTS ON XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX, 2015. EACH TIME THE DOCUMENTS WERE SENT TO BSI. THE DOCUMENTS ARE : 2 MONTHS BANK STATEMENTS, XXXX MOST RECENT PAY STUBS, AND HOMEOWNER 'S DECLARATION PAGE. IN A LETTER DATE XXXX XXXX, 2015, BSI ASKS FOR THE SAME DOCUMENTS AGAIN THE LETTER IS ATTACHED. ON PAGE XXXX OF THE LETTER IS AN ADDRESS AND FAX NUMBER FOR XXXX, PA. ON PAGE XXXX IS THE ADDRESS AND FAX NUMBER FOR XXXX TEXAS . IN A PHONE CALL WITH BSI ON XXXX XXXX, 2015 AN ENTIRELY NEW FAX NUMBER WAS PROVIDED. BSI IS UNABLE TO PERFORM BASIC OFFICE FUNCTIONS AND ACCOUNT FOR DOCUMENTS THEY RECEIVE VIA FAX. WHAT THEY CAN DO, HOWEVER IS SCHEDULE FORECLOSURE SALES. BSI SENT A REPRESENTATIVE TO MY PROPERTY WHO POSTED A NOTICE OF TRUSTEE SALE WITH A FORECLOSURE SALE SCHEDULED FOR XXXX XXXX, 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
The lender advised on XX/XX/2017 By XXXX XXXX XXXX - opt XXXX - the clients file was approved for a loan modification : approval terms of In-house mod are as follows : Total loan amount is {$780000.00} -interest barring balance is {$540000.00} -deferred balance ( balloon note ) {$240000.00} -I/R is now 4.85 % and was 6.125 % XXXX month term - 40 years P & I pmt amount is {$2500.00} 1st pmt due XX/XX/2017 - this loan is on a service transfer list and will be transferred XX/XX/2017 - approval of terms are needed by the lender prior to the service transfer to ensure the new servicer honors the terms set forth. 

Since XX/XX/2017 I have been unable to get a response from the rep about the approved mod terms being mailed to the client. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX we have left voice mails for XXXX and also reached out to the opposing counsel regarding the approved terms, opposing counsel also reached out to XXXX and was advised that the approved docs would be sent to the client and to opposing counsel. To date the lender refuses to speak with the client to take a payment. The clients loan was on a scheduled transfer of servicer list and we were told the approved terms would transfer to the new servicer. We do not feel confident in the information provided by the lender and the lack of communication from the assigned rep is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
I received notice of a hearing from the attorney for a motion to renew judgment on a very old debt. 

The attorney is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX Phone XXXX Fax XXXX. 

I ca n't recall why this amount was owed, etc. and it was never explained to me. I knew from ten years ago that a judgment was made and unfortunately I was unable to attend the hearing because I was moving from my original address in XXXX, MI at the time. I am now living in XXXX County and the hearing is in XXXX County. I received notice from the State of Michigan that she seized my Michigan State tax return in XXXX. 

The upcoming hearing is XXXX miles away from my home residence, of which Mary Jane Elliot et. al is well aware. The notice is dated XXXX XXXX, XXXX and I did n't receive it until XXXX XXXX, XXXX, so I have n't been given adequate time to prepare a legal defense. 

They are also charging me {$960.00} in interest on a {$690.00} balance for a total of {$1600.00}. I feel this amount is ridiculous, especially since I never acknowledged this debt and the statute of limitations has run out long ago. 

I feel that ten years of having my credit report ruined and fear of the unjust actions of this firm for a false debt is more than adequate a price to pay. They have done nothing to provide proof of the debt or get my voluntary acceptance of it. This is the first I have heard from them in years. The original judgment was in XXXX. 

As Mary Jane Elliot et. al must be aware, I have limited resources to respond to her lawsuit. At the very least she should be suing me in a court near my residence not somewhere I have n't lived in a decade. 

The case number is XXXX in the XXXX District Court before the Honorable XXXX XXXX XXXX on XXXX XXXX, XXXX. 

In closing, I would like to comment about the importance of protections to safeguard the rights of consumers from the unethical actions of creditors such as Mary Jane Elliot et. al. 

Sincerely, 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 2015-12-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I was contacted by phone from Convergent right before or around the 7 year date of past due payment to XXXX. I owed approximately {$9000.00}. They did n't tell me I had a right to dispute. They offered for me to settle with them at a reduced rate, of which I had no funds to provide. They said I could work out a payment plan monthly. I told them I could n't afford to pay much back in payments monthly because since XXXX I had been on XXXX. I also told them I know it is my responsibility to pay it back. I wanted to pay it back too. Then I told them I was n't working and had no idea when I would be returning to work. I have n't had substantial earnings having tried several places of employment only to have symptoms return and have to quit the job. Holding employment XXXX for XXXX or less. I 'm working now since XXXX of XXXX at only XXXX a week as that is all my XXXX and I know that I can manage. 
For the month of XXXX XXXX Convergent did n't take my auto-pay payment and did n't contact me. This payment is taken on or about the XXXX of each month since, I think, XXXX XXXX. I have paid back close to XXXX already. They may have not taken auto-pay because in XXXX I reported a lost or stolen debit card and the XXXX sent me a new one with different debit card #. I called to explain this to Convergent on XXXX/XXXX/XXXX after receiving my XXXX statement but I could only leave a message as the call was n't taken from me. In addition, I called to let Convergent know that I have recently found out that they can not collect XXXX for payment of collections. I am fearful they will take more money from me now that this month of XXXX XXXX the {$150.00} garnishment from my Bank account was not processed, which they may believe is intentional on my part. This would break any phone agreement we made in XXXX. 
I 'm also contacting you to ask, " Can they take this money from me legally? '' And, " Who can represent me if they are n't allowed? '' Thank you for reviewing and responding to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Firstsource Business Process Services, LLC
State: LA

Complaint narrative:
The university returned a portion of my student aid without informing me until after the term was completed. I was enrolled for a certain number of hours. I was unsuccessful with one class. The university had already received my financial aid package and applied it to fullfill the balance. However, at the end of the term, they returned a portion of the funds because i was not successful in a class. They did not correspond with me prior to doing this or inform me that it would happen.

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 with explanation
Consumer complaint received 2015-04-15 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
this company put a debt in my credit report, but I did not know about the debt either the company.When I called them they talk about a t mobile bill I had 9 years ago.This bill was on my credit report before, I disputed with the credit bureau and they removed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I requested a loan modification from green tree servicing and after months of submitting and resubmitting paper work they keep had already been sent, they finally agreed to a modification. They modified the loan to 40yrs and they said they would move part of the balance to the back of the loan. Well recently when I requested a credit report a saw that they structured the loan so that at the end I have a XXXX plus balloon payment that will be due. THAT WAS NEVER explain to me. This was the first a known that this loan was set up that way. They lied doing the whole process and now I see that they were deceptive as well. Your agency recently found them guilty of similar conduct. I want to know what I can do at this point to get this changed and whelther I need to seek legal help at this point to handle this matter. Thanks in advance for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
In XXXX 2015, I cancelled service with XXXX XXXX XXXX. At cancellation, I disputed the final bill and attempted to return a phone that I was leasing via a letter sent to XXXX XXXX XXXX dated XXXX XXXX, 2015. XXXX XXXX XXXX did not respond to my correspondence, but instead used a debt collection agency. The initial debt collection agency was XXXX XXXX ( XXXX ). XXXX contacted me at work and after a lengthy discussion where I explained the situation, they agreed to take a reduced amount as Payment in Full. 

On or about XXXX XXXX, 2015, I received a letter from a XXXX debt collection agency claiming I owed the difference of approximately {$400.00}. The XXXX collection agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX account number with SCS is XXXXImmediately after receiving the collection letter from SCS , I called the number listed in the letter. I told them I had a letter from the initial debt collection letter proving that I had satisfied the payment in full. I was told that I had to submit the letter as proof. The SCS representative also stated that XXXX had not contacted XXXX XXXX XXXX to let them know that I had settled the account in full with a payment XX/XX/XXXX or XXXX 2015. After reflecting on that, that statement was false because how else would XXXX XXXX XXXX know I had made a payment? 
I requested and received a letter from XXXX that proved I had paid the account as agreed representing payment in full. 

About two weeks later, SCS contacted me with a second attempt to collect the amount of the debt that had been written off. I again called SCS. The first representative transferred my call when I told her I was recording the call. The second representative was very helpful and I relayed the account of what had happened and she gave me the same email address that I has used to send the letter proving I had already settled the account in full. I promptly sent the letter from XXXX XXXX as proof. 

On XXXX XXXX, 2015, I was notified that SCS had reported me as a collection notice to XXXX, which in turn negatively affected my credit score. 

The result I want to achieve with this complaint is for Sunrise Credit Services to rescind the debt collection notice to XXXX and any other credit bureau or agency to which they have reported me. 

Secondly, I would like for your agency to investigate SCS practices to determine whether they have treated other individuals as they have treated me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
Received a bogus collection letter from Convergent Outsourcing Inc . Addressed to XXXX XXXX ( not my first name or initials ). Attempting to collect a XXXX debt of {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I was contacted last week on behalf of this company telling me about a debt for my daughter. They did not explain to me that I could dispute this claim nor did they mail me any information about this debt. The collector was very rude and I was just trying to figure out what she was talking about. I filed a complaint with the XXXX as well. But, it should be against the law for them to add this on my credit report without giving me all the information. I believe that someone has been fraudualent and used my medical information. They put this on my credit report without telling me that they would do so. They even said hey spoke to my husband in XXXX. I am. It married.

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