vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's appliances has been calling me since XX/XX/XXXX multiple times per day regarding a debt that someone with the same first and last name as me owes them. I have informed them multiple times that the middle names and birthdates are incorrect and they have called the wrong person. I have requested them multiple times to take my number out of their system, and they keep telling me they have done so but then start calling again. They have called multiple times every day for the past few weeks again, including harassing my daughter today and asking her for my personal information such as birthdate. In previous calls, they have asked me for my social security number and have harassed my wife multiple times. I called them again today to ask them to remove my number and told them again that I will take action if they call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I attempted to access my money market account and was told the account was dormant even though I did everything requested by the bank to keep the account active

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XXXX/XXXX/2016, I requested a credit limit increase with HHgregg/ Synchrony bank. I spoke with a representative who never informed me by requesting a credit limit increase this would count as a hard- pull on my credit file. Currently I 'm enrolled with FICO credit alert and on XXXX I was alerted to an Hard Inquiry on my credit report, upon further investigation I noticed it was from Synchrony Bank. I called Synchrony bank and spoke with several agents who advised me anytime you request a credit limit increase this is counted as a hard pull on your credit report. I explained to several of the reps I was never given this options when I spoke with the rep who processed my request for a credit limit increase, I then asked were all the calls recorded and was told yes they are. I spoke with the fraud department and spoke with XXXX who advised me they would have o fill out paperwork to have this hard inquiry removed but he would need to transfer me to Customer service???? So I spoke with a rep from customer service who had no Idea what paperwork the prev rep was talking about, I asked for a supervisor and spoke with " XXXX '' from Customer Account Services I explained to her the issues and wanted to have the call reviewed the day I spoke rep on XXXX pertaining to credit Increase just to prove to her I was never advised this would be a hard-pull on my credit file. XXXX advised she was unable to assist me and she would trans me to a XXXX rep. I disconnected the call out of frustration and decided to file a complaint against Synchrony Bank to have this Hard Inquiry removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: ZARVAD III S.A.
State: OH

Complaint narrative:
Ive have called them several times to tell them to stop calling me but they just harass me over the phone with inappropriate comments ... .then after i hang up and threaten them with a harassing complaint they proceed to send me numerous emails ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I was denied for bank account/savings account and was told to contact chex systems. Upon contacting chex systems they refused to give me any information and requested my social security number. I do not feel comfortable giving my social and want verification of whatever this maybe. I have never had a hot check in my life. Please provide information that this is me along with verification and validation of whatever this is.

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 2015-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I banked at XXXX for a long time. I had a stellar rating with them. I made a deposit through the ATM and they said it was empty. After asking them to run the security camera 's and verify I did make the deposit and it was a bank error, I had the check writer cancel the original check, write another one, and within days my account was positive again. I was able to resume using my checking account and the bank employee told me " this happens all the time ''. My account was not closed and my rating was still high with the bank. A couple of days after this, I deposited a {$97000.00} check and they allowed me to draw {$3000.00} off of it right away because of my account history and tenure. The next day my account was XXXX out and the " fraud department was looking into it ''. The next day I was told the check was cleared and verified ( Life insurance check as my mother had passed away ), but they handed me a cashier check for the balance and said " XXXX has decided to no longer do business of any kind with you ''. I have since learned they are reporting me to Chexsystems for " ATM abuse and Fraud ''. I was never charged with any fraud, nor did I commit fraud. They continued to let me use my account after the ATM incident, and my account status was not changed. It was the {$97000.00} check that flagged them and even though the check was good, they are still reporting me as " Fraud '' on XXXX. I would like this item removed as I work in the Finance field and any reporting of fraud will indefinitely disqualify me from employment in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Collection Technology Incorporated
State: TX

Complaint narrative:
I have contacted my student loan servicer several times to get a break down of the XXXX a month. How much is going to interest? I have much is going for collection fee? How much is going towards the actual loan? At some point I want to pay my loan off. I do want to make over payments, How much will actually go to the loan. On XXXX occasion they keep sending me a printout of the payments I have made. I have copies of that already. I want the detailed info so that I can pay this account off. I keep getting the run around. But no one can give me the info. Frustrated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc
State: TX

Complaint narrative:
I receive a letter from Northland Group that I owe XXXX {$550.00}. I have never had an acct with this bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Nationwide Debt Management Solutions, LLC
State: CA

Complaint narrative:
They called my place of business and asked for a supervisor after I requested they DO NOT call me at work. They have my cell phone number, there was no reason to call me at work again after I demanded they do n't. This WAS HUMILIATING and damaging to my job role.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR

Complaint narrative:
My husband and I tried to cash a check from the XXXX XXXX XXXX XXXX ( my husbands work credit union ) at XXXX on XXXX/XXXX/2016. It was declined. I came home and called the credit union and they assured me that the check was good. We tried again at XXXX ( our bank is closed on Saturdays ), again the check was declined. I have called Certegy customer service over and over again. I have never spoken to a live person. All I ever get is a recording and then I am put on hold. Endless hold, for hours at a time. My husband and I never write checks, we use a debit card all the time. The only thing that I can figure out is that we do n't meet Certegy 's criteria, because we do n't write checks. What in the world does that have to do with us cashing a check?? This seems terribly unfair to me that we are being punished and unable to cash a check at a business that offers check cashing just because we do not write a lot of checks. It is horrible that they can decline to cash your check and they do n't have to tell you why. This seems illegal to me.

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 2016-12-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Frost-Arnett Company
State: FL

Complaint narrative:
I had XXXX on XXXX/XXXX/2015 at XXXX XXXX XXXX XXXX. I had XXXX insurance at the time of service. The claim was paid and it left a patient responsibility which I was paying on.Once I found out XXXX took the payment back from the facility, I stop paying They continued with collection practices and I am owed {$1100.00} in payments, and I sent a certified letter to the facility requesting the payments back with no response. After I sent the facility the letter requesting the refund, I was sent to collections again but to Frost Arnett. I faxed over a copy of the XXXX from XXXX with no response so far form them.,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
Although I have filed bankruptcy and this was discharged in XXXX 2014, I am still battling with the credit agencies and creditors to reflect accuracy - this inhibits the ability to move forward and gain a credit history ; which was the ultimate goal of going to this extreme. I am simply trying to face forward and establish some positivity out of a horrendous situation. However, it has been months and they seem to discredit my claim. This is why I turn to this portal and request some assistance they may take a little more seriously ... thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northland Group Inc
State: FL

Complaint narrative:
I had a collections account for a XXXX Charge off with Northland Group. I paid Northland Group to settle the account. I accepted a settlement offer with the understanding the XXXX Account would reflect a XXXX balance as I agreed to the settlement offered to me by the Northland Group. On my credit report the XXXX account on my credit report continues to report a balance past due of {$220.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
Chex Systems has received letters, faxes, and police reports as well as verified evidence showing that it was not possible for me to have the listed accounts. Chex Systems negligently refuses to remove the fraudulent accounts. The only action left for me to do is file a lawsuit, which I 'm more than willing to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I submitted a dispute to ChexSystems a little over a month ago. I called this evening and they have no record of it. Needless to say, I am not to pleased right now. Attached is the information that they sent me and I disputed everything. Also attached is the letter that I sent out to them today with notice that I will be filing suit if the information was not removed from my report immediately.

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 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I had an account with XXXX like five years ago, I actually did nothing wrong whatsoever and of course there was no abuse I never abused any checking account with any institution and of course not with an account i had open maybe like three months. 

I had someone working for me in the an other state I was trying to sent her via ACH like XXXX since this was a fairly new account instead of adding i was debiting her account which i adjusted immediately when I was made aware of the error at that point someone of the bank called me and was trying to scare me of and all that he was threatening me with all he could. to make a long story short they reported me to the Chex systems so I cant open a new account now cause of this issue please help me to get my records straight. 
Thank you in advanceXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Finance System of Richmond, Inc.
State: KY

Complaint narrative:
XXXX keeps calling and leaving messages on my cell phone, I only use my cell phone for friends and family and do not give it out to creditors or retailers. I give my land line number to creditors and retailers to avoid cell phone charges.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC
State: CA

Complaint narrative:
Continues to call ALL day throughout the day from different area codes, different customer serv reps which always asks me the same questions over and over again, never updates my account, will not mail a copy or email my account, I have received numerous emails with incorrect information, can never speak to anyone in the collections dept, I have been left on hold to speak to a " supervisor '' and the list goes on. So, I stopped calling them to rectify my debt, I am truly sorry I ever did business with this company, I believe they are a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: AZ

Complaint narrative:
Servis One Inc dba BSI Financial and XXXX Mortgage increased my monthly payment without cause or reason. They decided themselves that my property taxes would be increasing in 2016 even though the County Treasurer has not issued tax bills for 2016. They arbitrarily selected an amount of {$1200.00} as my new property tax amount and said I had an escrow shortage of {$1500.00} as a result. My monthly payment was increased from {$670.00} to {$890.00}. I have made 5 attempts to contact them by telephone without success. The recording says they are experiencing an increased call volume and disconnects after 15 minutes unless a voice mail is left. I have left 3 voice mails and my calls have not been returned. 
Next, the recording says " Under Federal Law we are required to inform you that BSI Financial is attempting to collect a debt and any information obtained will be used for that purpose. '' My account is not past due and is not is collection process. I am calling them to question my account. They are not calling me. In the past when I have reached a real person this same statement is read to me. I am calling my mortgage company, not a collection agency. None of the mortgage companies I have had in the past use such a derogatory statement. I find this offensive and believe it is unlawful for them to make such a statement when I am initiating the call to my mortgage company. 
Third, all of the tax payments that have been made on my behalf from my escrow account have been paid late. As a result I have been assessed interest and late fees by the County Treasurer. These fees have been paid from my escrow account. This company has tarnished my credit rating by paying the tax bills late and has mis-used my escrow account by taking the late fees and interest from my escrow account when in fact they were at fault for making late payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 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:
To whom it may concern. Not only did you not respond to my QWR in XXXX days you have not fixed your errors. As you know the CFPB has been notified and you finally sent me a letter saying you are researching. Not only did you not apply the XXXX payment correct. I had not received a bill from BSI or statement since XX/XX/XXXX. I paid off what was due and had still been fighting your incorrect again applying of funds there. XXXX is trying to make late as no bill and no online access. I received nothing for months and asking. Also your online statement shows nothing. I have emailed with zero response for a month. I copied CFPB on emails with supporting documents of my screen shots as well as attorney who is compiling all of the violations. I finally received XX/XX/XXXX bill on XXXX/XXXX/16 mailed by BSI on XX/XX/2016. Strange how that worked having to go to CFPB just to get XXXX to actually follow the rules. As a servicer as well the overall incompetence and overcharging has been caught. As with adjustable my payment in XX/XX/XXXX was XXXX which is the only time it can adjust yet all of a sudden now you are charging a different amount which is illegal and the changes were never put in to writing from you. It was just added as you felt necessary and I went through my entire loan with lawyer and we have actually found a great deal of violations which will entitle me to thousands now for the bullying and false charges throughout on this. I do not know why XXXX can not fix their wrongs correctly. It just so happens that my niece is now dating a man that used to work for XXXX and now is at another commercial loan company and he was pretty high up at XXXX as well as XXXX assets and a lot of information is coming out from this. It is quite interesting how this will be public with an investigation now by some lawyers and other people in southern California coming forward. Stop stealing money and apply the payments correctly. I should now be paid up through XX/XX/XXXX with all the charges that were wrong and still XXXX later can not be applied correctly. Also per the statement directly from XXXX in XX/XX/XXXX my XX/XX/XXXX payment had a partial of XXXX just sitting in the account and no one told me you were holding extra money. She said to pay XXXX so the entire XXXX would be applied but now XXXX just changes when they want. It does not work that way.

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 2015-08-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: FIRST HERITAGE CREDIT LLC
State: MS

Complaint narrative:
I requested a cash loan. I was told that I qualified for the loan but had to list personal property to secure the loan. I was then told that I had to also purchase property insurance to make payments in the event that I defaulted on the payments. I was told that the loan also came with life and XXXX insurance and road side assisstance. These products were NOT offered to me as an option, but rather a condition. I was told all premiums would be prorated only for the months the loan remained active. When I returned the next month to pay off the loan in full all before the first monthly installment was ever due. I was told that I owed all of the money I borrowed plus 403 %. The cash I received {$2000.00}. All insurance was never used and cancelled. Total payments demanded {$2700.00} ... .. all before the 1st payment was ever due!

Company response to consumer: Closed with explanation