vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-04 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
First off, I want to say that every experience I have had with Blackhawk Network products has been a disaster and wo n't ever purchase another of their gift cards/prepaid cards etc. 

I purchased multiple Reloadit packs and placed the into the Reloadit safe as required by their company. From the safe the money can be transferred onto a debit card. 

They disabled my safe with money inside and then re-enabled it, wiping my entire transaction history and my funds inside. {$420.00} and all records of past transactions were gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
Our Loan was recently transfered from XXXX to XXXX which we received notification for in XXXX, We made 2 payments to XXXX and when we went to Pay for XXXX 2016 their web site stated there was no payment due, Today I was finally able to get thru to them and they stated that they had sold the loan to BSI Financial Services, I asked when they where going to let me know and they said they send a letter, I told them I never received a letter so they looked it up and found out that they had put the wrong address on the letter, so they are resenting another letter today, I have not received anything from BSI as of yet. I am in hour XXXX on hold awaiting a customer service rep for BSI to track down some information so that I can pay on my mortgage. Do I have any rights here or will there confusion cost me more money?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
I purchased a computer for a XXXX that I lost XX/XX/XXXX. The remaining balance on the loan was {$2500.00}. I began receiving several telephone calls, and numerous dates to appear in small claims court from Kohn law firm, XXXX, WI. and XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. Judgement was ordered on XX/XX/XXXX. Telephone calls from XXXX and court dates began XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. As of XX/XX/XXXX I have paid seven monthly payments to them in the amount of {$990.00}. I explained to them that my husband is ill with XXXX and I am the sole provider for my family at this time. I have gone to court for this several times, and I have sent them a " cease and desist '' letter to stop harassing me with court dates. TODAY XX/XX/XXXX I have been served again for contempt of court. This was for the court date ordered on XX/XX/XXXX with XXXX XXXX. I was there, I have written notes in regard to our conversations with someone who had not even looked at my file before threatening me with the fact that they can send me to court every week or every month if so needed. I asked how can you do this when I have paid you " monthly '' for the last seven months? And will continue to pay until the balance is paid off? Because I would not give him the " name '' of my current employer, ( I am not allowed to receive contact at work, In this day and age anyone and everyone can do a " background '' check. That is how I got my current job ). This is why they sent me to court today. For contempt. He said he would be sending me to court for this. I also sent a " cease and desist '' letter certified mail on XX/XX/XXXX. They signed on XX/XX/XXXX. I am at my witts end with this KOHN law firm. I feel I am being harassed by this company every 45 days. I am going to go to court again and present my case " again '' to the judge, with my notes from the XX/XX/XXXX meeting, my " paid '' receipts to this company, and the numerous harassing they have applied to me. I am filing a complaint with you and with the XXXX ( 4th time ). Is there anything else that you can suggest to get them to stop wasting the tax payers money, adding more money to my balance, wasting the court house and judges time, and my risk of loosing yet another job from this company. ( I lost another job XX/XX/XXXX from having to take time to be in court ) PLEASE help in XXXX. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL

Complaint narrative:
I received numerous calls stating they were processing a lawsuit against me for cash central and that I would be serve a subpoena to attend court on XXXX of the voicemails I was told if I did n't call back to Watch Out. The debt was about a payday loan that I took out that was sold to XXXX debt collector then that debt collector sold it to national check resolution also go by XXXX recovery services. When I called back the guy I talked to got very rude and aggressive with me as I began to question the matter he said it was because the subpoena was on the way to my house. They told me to give them my credit card number to settle a XXXX loan for {$300.00} or I will have to pay {$1000.00} plus attorney fees and court cost. I do n't know what to do because when I called XXXX attorney they tried to look up the company and told me it was a scam and I need to cancel my bank card but I do n't want to do that and end up getting sue for more than I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
I call XXXX customer service and told them my address XXXX, TX XXXX ends at XXXX the XXXX day of XXXX PREVIOUS BALANCE Payment Receive XXXX/XXXX/2014 {$26.00}, XXXX there lease agency told I had to move out this apartment on XXXX XXXX, 2014 at XXXX. I move with XXXX and call and told XXXX customer service to disconnect XXXX account on XXXX XXXX,2014. see on this Bill Date : XXXX/XXXX/14 Past Due After XXXX/XXXX/14. Current Gas Charge Total XXXX TAX/FEE CHARGE TOTAL XXXX CURRENT CHARGES XXXX TOTAL AMOUNT DUE XXXX. Are someone at XXXX employer and employee steals and uses your personal information do fraud and put fraudulent charged on your billing account related to identity theft. I am disputing these fraudulent bills charges on my XXXX Costumer Number XXXX Customer Name XXXX, TX XXXX. Account close out XXXX XXXX, 2014. Billing Date XXXX/XXXX/14 PAST DUE AFTER XXXX/XXXX/14 XXXX, PAST DUE XXXX/XXXX/14 XXXX Final Bill PERVIOUS BALANCE XXXX these bill are like the same billing XXXX/XXXX/14 past due XXXX/XXXX/14 XXXX, Billing Date XXXX/XXXX/14 past due XXXX/XXXX/14 XXXX, billing Date : XXXX/XXXX/14 Past Due After XXXX/XXXX/14 XXXX see these attachment the XXXX bills date XXXX/XXXX/14 past due after XXXX/XXXX/14, Payment received XXXX/XXXX/2014, XXXX Current Gas Charge Total XXXX Tax/Fee Charge Total XXXX Total Amount Due XXXX, Previous Date XXXX/XXXX/14 Past Due After XXXX/XXXX/14 Pay Receive XXXX/XXXX/2014 XXXX tax XXXX = XXXX, they are not the same like Current Charges and Tax/Fee Charges Total, Total Amount Due date XXXX/XXXX/14, XXXX/XXXX/14 and date XXXX/XXXX/14 disputing fraudulent charges XXXX accounts identity theftXXXX XXXX employer and employee told me there collection agency Professional Finance Company , Inc will get the {$56.00} dollar from me are mass up, this is company 's do when you close out your account with them. they call there collection agency for more money from there customers and mass up your credit. This is not rightSincerely, 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 2015-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
Has the Attorney General 's Office investigated BSI Financial Services for unlawful practices, fraud..etc? Please take a look online under ripoff reports/BSI and please view what fellow Floridians are dealing with. My loan was with XXXX XXXX XXXX and I was approved for a trial modification which I made payments for a total of {$5.00}. The loan was then transferred to BSI Financial Services which they claim i defaulted on my trial modification and denied my Permanent Modification. I paid {$5200.00} and as you can see i do wish to keep my home and pay what I owe. I have an Attorney 's Office and they have been very helpful. Part 2 of this complaint is that my Attorney 's Office has requested a Payoff Statement from BSI since XXXX XXXX, 2015 and to this date it has not been provided. My Attorney 's Office requested the payoff statement from XXXX XXXX/BSI which then referred them to XXXX XXXX with XXXX XXXX XXXX. which is the Attorney 's Office for BSI. XXXX XXXX received the request on XXXX XXXX, 2015 but has failed to provide the Payoff Statement as he states he will check with his client or he does not respond to the emails requesting an update on the Payoff Statement. My Attorney 's Office received an email from XXXX XXXX/BSI inquiring about my intentions with the property which my Attorney 's Office replied that we are awaiting a Payoff Statement. His response was here is one from XXXX it 's close enough either I can pay or I ca n't pay in full. Can i get an updated Payoff statement? Is it that hard or difficult? My intentions are to fight for my property and I will. I will share my experience with BSI to everyone that I can. Now my question is ... can BSI provide me with an updated Payoff Statement? Attorney General XXXX - I want to save my home, I was approved for a trial modification which included XXXX payments that totaled {$3400.00} and I paid {$5200.00}. I do n't see how i defaulted. I paid more than they were even asking for and their mortgage statements are the statements that confused me on what to pay. I was just happy to be able to make a payment. Can BSI provide me with a Payoff Statement? I do n't need to explain my intentions as I am simply requesting my payoff figures so i can know what i owe the bank. Can you investigate BSI as i would hate for fellow Americans/Floridians to be dealing with what i am having to deal with?

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 2016-12-27 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: WA

Complaint narrative:
I had purchased a REloadit pack in the amount of {$470.00}. The REloadit pack number was ( XXXX ) and when I tried to apply the pack to my REloadit account, I received the error " Invalid Pack. '' Concerned, I called REloadit and was hung up on several times before finally reaching a person. The representative told me that someone else had claimed the pack and a refund is being processed to that person! I was asked to send a selfie holding the REloadit pack with the receipt, to prove that the pack is mine, and was assured that I will get the refund instead. However, even after sending all of this in, they said the refund is being processed to the other person. They are completely unresponsive to emails and I have to call every time just to get some excuses and incompetent people telling me that I cant get my money back. There is some big fraud involved here for sure and I will not be using this service again until I receive some sort of resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Protection Association, L.P.
State: IL

Complaint narrative:
I had an account with XXXX and I was paying regularly, I sold the whole building which consists of XXXX units, I found a collection under credit protection association LP on my XXXX report that I owe them {$290.00} unpaid, I did pay even its not mine and they said they will delete it because its not mine and no sufficient info about this account, however it 's not deleted as requested and it 's not mine, I had XXXX bill on basement and their collection does n't include any Unit number and they have phone that does n't belongs to me and wrong amount, however I had original bill and shows payments for the specific unit and account number different what is in collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: TX

Complaint narrative:
I received a notice from BSI Financials on XXXX/XXXX/2016 ( dated XXXX/XXXX/2016 ) that my loan had been transferred to them and as of XXXX/XXXX/2016 my old servicer will no longer accept payments from me. ( Note they generated letter 3 days AFTER the fact that my old servicer will not accept payments ). I also got a letter saying that I am one month behind in my payments ( which is total lie given that I have automated payments going to XXXX - old servicer ). I have called BSI 5 times and no one picks up the phone, and it finally transfers to Voice Mail. I have left 2 VMs and still there is no response. I looked at the company reviews ( XXXX ) and it seems this company has common practice of mistreating customers and misplacing customer information. I am concerned that although I have made all payments, my credit history would be impacted. And that I am now stuck with a sickest mortgage servicer who seems to be XXXX with their customers. I ask CFPB to take action to make this company respond and stop XXXX their customers. I want CFPB to review the consumer affairs link I provided too and take an action to review BSI Financials business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Bliksum, LLC
State: CA

Complaint narrative:
This collector is harassing me at work and stating that I owe {$16000.00}. The loan was for {$3000.00} and I have paid {$2200.00}. I am a single working mom with XXXX children and XXXX these people are making it difficult to function for my children. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Physicians & Dentists Credit Bureau
State: GA

Complaint narrative:
XXXX XXXX has committed insurance fraud. She claimed visits that I never made/attended. She received payments for services not rendered because I was never there on certain dates. She runs a business out of her home and has no legal process for check in/check out, or billing. I believe she fabricated invoices because again, I never attended the number of sessions she claimed and received payment for. She ruined my credit, caused me undue distress, and harrassed me over a debt that was paid promptly by my insurance company. According to XXXX XXXX, she repeatedly sent duplicate claims to them, stating she was not paid. 

She does not have proof of my visits because she never asked me to sign anything upon arrival ( aside from my initial assessment ). There 's no proper check in process. She told me she would just give me a certain diagnosis over the phone so that XXXX XXXX would cover my visits. Then after XXXX XXXX sent her payments, she called me and told me they were cancelled and I personally owed her money. She then proceeded to threaten to take me to court if I did not pay her. 

XXXX XXXX paid all of the claims she submitted in a prompt manner, and she continually harrassed myself and XXXX XXXX, stating we owed her more money. I have proof that all claims were paid ( cashed checks made from XXXX XXXX to XXXX XXXX, as well as a ledger ). I 've repeatedly disputed this with XXXX and am in the process of disputing with the XXXX other credit bureaus, and according to XXXX, XXXX XXXX refuses to remove this from my credit report. My account was closed on XXXX/XXXX/12 according to my credit report. However, she refuses to remove it and it should have never been on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I have been using a XXXX prepaid card for several years. Mostly so that my daughter who lives out of state can get access to money quickly if she runs short on cash. 
The last three times I have tried to make a deposit to my card, the deposits have been declined by Certegy Check Services , Inc . I keep getting reason code XXXX. 
Since this has happened to my last XXXX deposits, which are small amounts, under XXXX I contacted Certegy to see what is happening. I had to fill out a form to fax or mail with my banks routing and account information, SS # and drivers license info. 
The FAX number at Certegy does not WORK. XXXX. It literally never picks up. 
Calling into Certegy you never get to speak to a real person. 
I am feeling very scammed here with this Certegy company. They are stopping me from using a convenient service that I 've used for five or so years. 
My complaint is not towards XXXX. 
It is towards Certegy Check Services , Inc, XXXX XXXX XXXX, Fl. XXXX

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 2016-11-01 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: WI

Complaint narrative:
I continue to receive collection calls for " XXXX XXXX '' on my personal cell phone, but I am not XXXX XXXX nor is my number his. I have received calls from multiple collection agencies over the past 2 years or so - typically around the beginning of the month. Most recently I received calls on XXXX/XXXX/16 and XXXX/XXXX/16 from Northland Group for " XXXX XXXX. '' I have also received calls in the past from XXXX XXXX XXXX, XXXX XXXX and XXXX, to name just a few. My number is on the Do Not Call Registry and I continue to inform collection agencies that they have a wrong number. But then the next month the account gets sold to another collection agency and the calls start up again. On the most recent call with Northland Group, the manager admitted that I was robo-dialed, even after I had asked to be removed from their list.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
chex systems reports that i have deliquent bank accounts. I filled bankruptcy XXXX chapter XXXX included all bank accounts. now im on my feet and cant open an account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Central Service Bureau, Inc.
State: TX

Complaint narrative:
I received a call at first from XXXX stating he needed my address so he can deliver documents he gave me a number of XXXX which they state they are central services. Found out they are trying to collect on a loan from XXXX into which I never took a loan out on in XXXX 2012. PLus they are past the statue of limitation for this. I never received a deposit from anyone other than my employer and they said if they do n't comply they will file criminal charges against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
I am submitting this as a follow up to Case number : XXXX. I no sooner received a packet to send back to the Bank of Oklahoma that we have received in less than 30 days an order to vacate. Again Bank of Oklahoma has shown that sending a packet that had an extensive list to be turned back in which has taken several weeks to complete because of the extensive nature that we have received a NOTICE TO OCCUPANTS OF PENDING ACQUISITION. So again we have been duped by Bank of Oklahoma ... first I had to get their attention by contacting the CFPB but know they are toying with my family and my home without offering real help. I wish to stay in my home and again we are seeing smoke and mirrors when it comes to Bank of Oklahoma. Also we keep being told we can submit my own insurance but when the Insurance company calls to get info from Bank of Oklahoma they are told that the property is in foreclosure and they can not place new insurance on my property in foreclosure. I am more than frustrated that Bank of Oklahoma is not being helpful but has decided to tell the CFPB one thing and show me another side. This has been the true problem from the beginning. Also we are told to make payments of which Bank Of Oklahoma will not receive. When trying to speak to Bank of Oklahoma I am told that because of the status of my home that Customer Service is not available to me. Please give me some type of guidance in this matter as I believe I am being railroaded into a situation and every month that goes by my Credit is being destroyed and the equity of my payments to the Bank are being denied because of their lack or unwillingness to work with us. I truly just want to be able to make payments and gain my equity back and my credit standing that has been destroyed. We have been sent the same document two times prior and the address given for the document to be sent was sent back to us telling us they could not receive our document. Again terrible response to an address not even correct on prior documents. Please help me.

Company response to consumer: Closed with explanation