vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
I received a home equity loan from Bank of Albuquerque 8 years ago. Payments were made for seven years, XXXX. I called the bank for forebearance, they offered half a month. I had no income, and they started foreclosing on me in three months, the amount they were owed was around {$650.00}. 

I am losing my home over principal and interest due of under {$3000.00}. I have no idea what is being charged for legal fees. I have approximately {$9000.00} that I earned in the last few weeks, the balance was {$15000.00}. The auction sale is XXXX XXXX! 

What really bothers me is that I had a 7.5 % interest rate. I closed my bank account with them over unfair overcharges. They increased the interest rate to 8 %. Prime rate was under 4 % at the time and I had a FICO score of XXXX. They lost a class action settlement suit over the issue. They called and said if I opened an account again, they would pay me {$70.00} for their wrongdoing and modify the home equity loan to 4.5 %. After going through the process of opening an account and applying for another XXXX THEY DID NEITHER OF THOSE. MY LOAN WOULD HAVE BEEN ALMOST PAID OFF by last year at the promised interest rate. 

Bank of Albuquerque has, again, imposed unfair and unauthorized charges on my business and personal accounts. This happened after contacting them about loan fore bearance. I specifically opened those accounts with their stating that there would NOT BE ANY AUTOMATIC WITHDRAWALS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Movement Mortgage LLC
State: LA

Complaint narrative:
Received a purchase / construction mortgage from Movement Mortgage in XXXX XXXX. That loan was for the property purchase ( $ XXXX ) and renovation funds of XXXX $ XXXX XXXX for a total loan amount of {$180000.00}. Contractor did n't start work until XXXX XXXX. Worked four weeks, was paid $ XXXX from construction fund. After receiving payment the contractor abandoned site. Found a replacement contractor. Movement Mortgage wo n't release any of the remaining construction funds to the new contractor or to me to pay the contractor. They wo n't even work with me to refinance the original loan for the new contractor 's contract price. The new price is higher than the original contractor 's price, since major damage was caused by that contractor and now has to be fixed under the new contractor contract. In the interim I am required to pay monthly principle and interest on the remaining construction funds they are holding and wo n't release toward any construction. This has created a complete STOP on renovations of our home and has created much over costs since we can not move into our house. Since Movement Mortgage wo n't do anything for us, we have found a local Bank that maybe able to payoff Movement and issue a new mortgage. Movement after too many requests, refuses to give me payoff amounts on my existing loan. They wo n't give me any actual numbers. They continue to refer me to my mortgage statement balance which includes the remaining $ XXXX construction funds that they are holding and wo n't release but demand that I pay monthly on. 
The attorney that I have hired to sue the first contractor, spoke to an attorney at Movement Mortgage who gave a reason for not doing anything for us was that they were afraid I was going to sue Movement Mortgage. As of this writing Movement mortgage wo n't return my calls or respond to me. I want to have this situation investigated as to the legal right of Movement Mortgage to keep funds and demand that I pay principle and interest on those funds. Also to refuse to submit proper payoff accounting of my loan so I can move forward with a fairer and more reasonable lender.

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 2016-02-22 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Collection Technology Incorporated
State: TX

Complaint narrative:
Collection Agency is using false and misleading information to collections for students loan which is more than 20 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I purchased XXXX XXXX My Cash Cards on XX/XX/XXXX in CVS for {$500.00} each, total {$1500.00}. When I tried to load them to my XXXX account several days later, XXXX of XXXX cards I bought had issue to load, one of them loaded successfully. I contacted XXXX and tried to resolve this, they asked me to contact a company called InComm, said it 's their partner to handle XXXX Cash. After multiple failed attempts, I finally reached InComm, and they mentioned they will look into it. Then after several months I did n't hear from them, I contact InComm again, they asked me to send copies of my XXXX Cash Card, a bill has my address and driver 's license. After sent all my files, they promised to open an investigation and update me for the case, and gave me a case number but I never heard from them for anything relate to my case for serval months. I almost lost my hope to get my money back, then finally got hold of their customer service again, and the representative on the phone told me the case was closed, and they are not talking to me unless a law enforcement agent contact them, but she 's sure {$1000.00} on my two cards have been loaded to a different account, not mine. She keeps blaming me and said I 'm the one responsible if someone " stole '' my cards, and I told her my cards are with me, and the time when I tried to load them to my account, I was the one who scratched those cards to see the PIN, and I never shared the PIN with anyone! 
After the unpleasant conversation, I did some research online, and found out I 'm not the only victim of this potential fraud. A lot of people posted online they had similar experiences. For example, one case I found on XXXX website, it 's a complaint filed by XXXX, XXXX CASE # : XXXX, it 's basically the same experience I 'm having. And he even posted on his blog of findings he had that InComm had security breach and their own employee potentially stole customer 's money. 

One of his post can be found through this link : https : XXXX I strongly believe this is a systematically flaw in XXXX 's system if not an intentionally scam. Please help me to recover my money lost and investigate InComm for their wrong doing and hostile treatment towards customer, {$1000.00} is a big amount of money for me, you are my only hope! 

Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
On XXXX/XXXX/2016 I sent a certified letter to Chexsystems regarding XXXX items on my consuymer file. In my dispute I asked for Chexsystems to validate this information and provide me with copies of any documentation associated with these accounts. I also, asked that in the absence of any such documentation bearing my signature theat this information be immediately deleted from my file that they maintain under my social security number. On XXXX/XXXX/2016 and XXXX/XXXX/2016 I received letters from Chexsystems stating that their investigation was complete. The letter states that the accounts have been verified as accurate as reported, therefore it would retain in my file. The letter gives me contact information for the bank. It also states that if I request, Chexsystems will provide a description of the procedure used to determine the accuracy of the disputed information in my file. On XXXX/XXXX/2016 I called Chexsystems to request the procedure used to verify the accuracy of the disputed information in my file. I spoke with XXXX a representative who stated that they contacted the bank and the bank told them that it was my account. I asked what documentation was received to verify the accountt he was not able to provide me an information to verify the account. I asked if the obtained any documentation bearingmy signature? He stated that if I wanted that documentation I need to contact the bank at the number listed in the letter. I again asked for verification of proof that the account was verified and valid and he could not provide any such documentation. I requested to speak witrh a supervisor. He took my name and number to have a supervisor call me back. Today XXXX/XXXX/2016 I received a call from XXXX a supervisor at Chexsystems. I discussed with XXXX the same infromation as I did with XXXX the previous day. I asked for the procedure and documentation showing this account belonged to me and that they were inacurately reporting information as they are not able to provide documentation bearing my signature. XXXX continued to say that I could contact the bank and I continued to request the process they used to verify the account. I said what did they provide to show it was accurate she stated the bank told them it was verified and accurate. After several attempts to request their procedure and documentation I considered it a failed attempt and advised XXXX that I would be contacting the Consumber Financial Protection Bureau. She stated to give her a minute and placed me on hold and then came back and stated that I needed to contact the bank for verification. My XXXX account is still pending. On XXXX/XXXX/16 I placed a security freeze on my file.

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 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I 'm a victim of identity theft and Certegy cleared my file from the negative information. Because a law enforcement agency claimed that the bad stuff that I 'd already been proven not guilty of they asserted it back to me. I demand Certegy follow the law and remove it once again because it is not mine and already proven not to be mine.

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 2015-06-03 00:00:00
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
I do not have Bank account. Rather, I use a prepaid debit card from XXXX XXXX that allows me to deposit checks by taking a photo with my phone. Recently, I tried to deposit a {$77.00} check from the U.S. Treasury for federal jury duty via this method. It was declined, and I was instructed to call Certegy check services. I did, and they said they ca n't tell me why they issued a recommendation to decline the check. They are rude, deceitful, and refused to share any kind of information that would explain why they consider a check from the U.S. Treasury a " risk ''. 

I am unable to do anything with this check since virtually all other check cashing stores, grocery store money service counters, etc. all use Certegy to verify checks. 

With just a little internet research, you 'll see that many, many complaints about Certegy have been logged, regarding the same type of poor customer service, dishonest behavior, and arbitrary decisions to decline perfectly good checks. It seems their only purpose is to make it exceedingly difficult to just cash checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Admin Recovery, LLC
State: NY

Complaint narrative:
This debt collector is calling my father and other family multipme times, whom I do n't have a relationship with and is disclosing embarrassing and defaming debt information as well as personal information about me. They are making it clear to my family that they are trying to collect a debt. I also just checked all XXXX of my credit reports and I do not have any Admin Recovery accounts on any of them. I do n't know who they are or why they are harassing me and my family. In the attachment that I added is a voice mail from one of their many phone calls which makes it clear that they are collecting a debt and they are also disclosing personal information about me in the phone call.. They can be calling anyone and disclosing my information. This is unlawful and unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Applied Business Services, Inc.
State: GA

Complaint narrative:
The original collector, XXXX XXXX XXXX XXXX, has already agreed to and accepted a settlement offer for this debt with the agreement upon receipt of payment, the referenced account will be removed from Security Collection Agency, any collection agencies, and credit bureaus. Please view my supporting documents from XXXX XXXX XXXX XXXX. However, Security Collection Agency is still reporting this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Financial Management Solutions, LLC
State: VA

Complaint narrative:
On XXXX XXXX, 2017 @ XXXX XXXX, I received a call at work from XXXX. I answered and a man gave his name ( coulnd't understand ) and the company FMS XXXX Solutions . He proceeded to inform me that I owe XXXX $ for XXXX ( my previous apt ) He asked if I was aware of this. I said, no, I 'm suprised you are calling because I was in a dispute of sorts with the office about this several months ago and had heard nothign more from them since XXXX. He proceeded to get very rude with me and said " You signed a LEASE. '' I could not get a word in edgewise and he loudly yelled, " What makes you think you are different from anybody else?!?! '' I said, Sir, I 'm going to speak to someone more appropriate on this matter. '' and I terminated the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Simpson Law Firm, P.A.
State: MS

Complaint narrative:
Actually, i did not receive notice of right to dispute, instead a guy came to my job representing Simpson Law Firm stating that i could be arrested if i do n't contact Simpson Law Firm and set up a payment plan with them. They also stated they will garnish my wages as soon as possible. 
Still i never received validation of the debt i sent them 3 times already. i sent it to them the first time last year of 2015, it was signed indicating they received it, i also faxed and send them another validation letter by fax and XXXX after they would not tell me the amount i owe over the phone. 
two weeks after sending them the last validation letter, they sent me a letter stating they will garnish my check again. I have already started the process to file suit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 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:
XXXX is blantantly lying that they did not receive appeal letter. I am enclosing copies of email I sent to SPOC on XXXX/XXXX/16 regarding I am appealing this and to send me any forms needed. Since he never responded I sent my letter which was not expressing I want to appeal. IT STATED I WAS APPEALING and the reasons why. BSI is trying to play a game and this is infuriating with their lies. XXXX XXXX XXXX XXXX received a Cashiers Check for XXXX so their telling me I owe XXXX from them is a lie as well. They released lien when paid in full!! I will send copy of cashiers check as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
After we made arrangements they still call everyday and week and keep calling till we answer! They call my house then my cell phone right after then I get a email also then text messages and voicemails! I do n't know what to do I 'm so stressed and we are only XXXX payment behind! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TFS FINANCIAL CORPORATION
State: MI

Complaint narrative:
Completed a chapter XXXX bankruptcy in XXXX. have sent in XXXX payments since and requested a statement every month. No statements or correspondence. No year end XXXX interest statements either. I am concerned that this lender is doing this deliberately. Previous to this situation this lender took over for the original lender that closed.I am also concerned the balance owed is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: DCN Holdings Inc.
State: TX

Complaint narrative:
i paid two weeks in advance after taking my daughter out of this XXXX in XXXX XXXX, TX '', i have checks and bank transfer to prove it. not they are trying to charge me for an additional two weeks even when my baby was n't there. i do n't own any money and they threaten me with damage or reporting to the credit bureaus. i have all the evidence and probes that i do n't own any money.

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 2016-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Mayan, LLC
State: TX

Complaint narrative:
XX/XX/XXXX In XX/XX/XXXX I took out loans student loan. XXXX federal and XXXX private I believe to attend college at XXXX XXXX in XXXX XXXX Texas. I was led to believe I would be able to transfer my XXXX credits and go XXXX. I was told by XXXX employees/recruiters that signed me up that my credits would be transferable because I wanted to be a XXXX. This would give me the experience and get my feet in the door to have my goal reached. I attended XXXX for 9 months. I did not have the greatest experience. I did not feel like my education was important. Our teacher was nice but teaching was not his main priority. I went to the dean and my councilor. No help was given. It was clear there man goal was promising the moon and stars then once they had you and there money they were of no help. I have been paying on my XXXX loans since then. I am a single mom and have went time periods not paying but I have been regularly now for a while. I originally bowered XXXX have been paying off and on for 9 years and because of interest and not being able to get a head I owe XXXX still. I will not have it paid off till XX/XX/XXXX. I feel robbed and wrong. I was told they were accredited. I was told I could transfer. I was told my degree could turn into so much more. I was lied too. I had meeting with the Dean many times. She would not even give me my transcript to try to transfer credits until I sent her an email telling her much to my surprised our XXXX college was accepting my credits. This was a lie, they did not nor had I even tried yet but in order for her to let me have my transcript I was made to lie and send this email so she could use to show others that their credits could be transfers. It was a scam and all lies. I am still paying for the lies monthly as will be until XX/XX/XXXX at this rate. It is not right. The campus clearly committed fraud and 9 years later I am still paying XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
I was contacted by mail on XX/XX/XXXX by the law firm of Nelson and Kennard. In the letter it was stated that they had obtained a judgment against me on behalf of their client XXXX XXXX XXXX XXXX. They then stated that I had an outstanding judgement balance of {$10000.00}. 

I have never received any paperwork notifying me of a lawsuit and in fact the original debt was by my records charged off in XX/XX/XXXX. 

I had moved on XXXX XXXX of XXXX and on XXXX XXXX of XXXX so if they had served the paperwork to an old address it was n't to me. 

Furthermore I just received a phone call from one of their representatives at work. 

I think it will go a long way if the Bureau of Consumer Financial Protection contacts Nelson and Kennard and just ask some simple questions. Like " When did you supposedly sue this person? Do you have court document showing proof of service? Who signed the proof of delivery? Show us documentation proving you have the right to collect this debt? " Please help as I do n't know who else to contact and really need a help from your organization to help with this dispute.

Company response to consumer: Closed with explanation