vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-29 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
{$45.00} of my {$50.00}, XXXX Gift Card, was stolen from my gift card. I activated the gift card on or about XXXX/XXXX/2016, and on XXXX 2016, I went to XXXX supermarket, when I got to checkout it was only {$5.00} left on the gift card. I reported that to XXXX Gift Card Co. They said that they would investigate it they reported to me that the money went to XXXX. And it would take 45 day to resolve this, and at the end of XXXX or beginning of XXXX, I called them they said that I needed to wait until the XXXX. Of XXXX for them to finish their investigation. On XXXX XXXX. 2016, I called again, and I was told that it takes 60 days to investigate so I was two days to early and to call back on the XXXX XXXX. On XXXX XXXX. I call back and was hung up on twice, on the 3rd. call I needed to give them more time. The on Monday I called The Massachusetts XXXX who put me in touch with your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
This last year my identity was stolen. The person who stole my identity tried to open a bank account with the XXXX XXXX XXXX. Now my file with Chexsystems has suspect fraud activity attached to it. I am trying to open up a health saving account, and I am unable to do so because this fraud is attached to my name.

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 2015-05-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PMAB,LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I was having a XXXX. My Sister drove me to XXXX XXXX XXXX XXXX. The nurse came in and she took my information, and then came back to hook me up to an XXXX XXXX. I told her NOT TO because I can not afford it. The nurse laughed, and AGAIN I said DO NOT hook me up to the machine. This is an XXXX XXXX, I have had these before. I just need medication refills, and because I just moved here from XXXX, I do not have a Doctor here yet. The nurse told me she WOULD NOT put the XXXX on my chart, so I do n't have to worry about being charged. ( Not only do I have a witness to this, but I also recorded this appointment on my phone. ) Since this appointment I have been getting " debt collector automated phone calls '' at my parents home. I received a letter in the mail stating that if I wanted to " appeal '' and disagreed I would need to do it in writing. I DID. I also sent that via certified return receipt. ( which I have ) yet the phone calls are STILL continuing. 

I DO NOT OWE this bill, and I am NOT going to pay this bill. 
I paid my {$35.00} co-pay at the time of the visit. I was assured over and over again that the XXXX would NOT be billed, my insurance paid them {$140.00}. XXXX XXXX XXXX XXXX billed a total of {$300.00}. They claim I owe them another {$130.00}. 

PMAB LLC. is a harassing entity with many complaints on the XXXX XXXX site. I have responded in writing to them, and I have even told them my story with XXXX XXXX XXXX XXXX. I HAVE THE NURSE ON TAPE, A WITNESS, and I can identify the nurse who said the XXXX would NOT be billed ( it was routine?? ). 

I am Social Security XXXX, and I have a VERY limited income. This is why I told the nurse NOT TO HOOK ME UP to the machine. 

I ALWAYS pay my bills. But I DO NOT owe this one. 
( XX/XX/XXXX was when I sent my dispute to PMAB. ) I have ALL receipts, I have the Recording, I have all paperwork. 

I want this OFF of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: A.R.M. Solutions, Inc.
State: FL

Complaint narrative:
I have received numerous letters from A.R.M Solutions INC stating that I owe {$9.00} for a delinquent account from The XXXX. I entered into an agreement to receive limited issues of XXXX in 2014 ( estimated ) through a XXXX door to door donation special. Through my donation I was set to receive a specific number of issues of the XXXX. I did not sign up for or agree to receive any additional issues or extend my subscription. However, according to them and A.R.M. Solutions I owe {$9.00}. I believe this is an illegal process on the part of XXXX. Forcing me into purchasing additional subscription, without my permission or expressed willingness.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I attended a school called XXXX. At the time i had no XXXX, XXXX diploma or nothing to that sort. They admitted me by claiming i had the relevant paper work. I left the school after only 6 weeks due to how unprofessional they were. I later found out that all the schools had been closed due to them committing fraud which included admitting students who did not have the relevant paper work. 
My credit has always been in the high XXXX to early XXXX. I have never in my life missed a payment on anything. I have only been in the country for 6 years as a permanent resident and am very vigilant and mindful in my credit. 
At the XX/XX/2017 Fed loan reported to the credit bureau that i had missed several payments. I believe they entered XXXX different types of loans and one of the payments they reported was {$1.00}! 
On my side i thought my account was still in deferment. I had also told them i had moved but im assuming the file was not updated. 
I am wondering where i stand with this. I wrote to them to get this loan discharged but have heard nothing to date. 
Are they allowed to report XXXX different entries for XXXX loan AND an amount of {$1.00}! 
They took my credit from XXXX to XXXX for a loan that i should be considered for discharge AND due to mail being sent to my old address. 
Please let me know where i stand. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Dear Sir/Madam, In XX/XX/XXXX, Costco terminated their relationship with XXXX XXXX and required use of a Visa credit card. Citi offered a New Costco Anywhere Visa Card and with it advertised rewards which included 0 % Intro APR on Purchases for 7 months. I signed up for the card but noticed that Citi applied late interest in month 4 which I refused to pay, so the interest charges continued for 3 additional months despite paying off the balance of my merchant charges. I sent Citi several letters detailing the interest error, but they replied the charges were correct. Ultimately, I stopped using the credit card and Citi then charged me a {$25.00} late fee for not paying the late interest. During this dispute, Citi sent me a notice expressing thanks for being a great customer and lowered my APR for new and existing purchases on my Costco Anywhere Business Visa account through XX/XX/XXXX. In other words, Citi twice offered me 0 % interest, yet they charged interest. Also, nowhere in the Citi card brochure or on the Costco Citi Card web site does it discuss a late fee in addition to late interest. 

Citi clearly waived any interest from the start of my new credit card account until XX/XX/XXXX, yet they charged interest and continued to charge me even after I paid off the principle. Once I discontinued using the card they then charged an undisclosed late fee on the late interest. Their non-transparent, deceptive and disingenuous business practice is abusive, intimidating and unfair. I spoke with a Citi representative ( XXXX ) on XX/XX/XXXX who told me I misunderstood the notices discussing the 0 % interest offers and apologized for my misunderstanding of the unambiguous Citi notices as if I were an idiot. She then went on to tell me my account was put into collection for non-payment of the late interest, which should never have been charged, and a late fee on the late interest which is even more ridiculous. Credit card companies should not be allowed to defraud the public, and I respectfully request that you investigate Citi 's offensive actions. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: PA

Complaint narrative:
Current mortgage servicer took over my account mid XX/XX/XXXX. Made the XXXX XXXX payment and it was returned to me along with a letter stating they could not accept my payment because the previous servicer gave them records indicationg I had made no payments for seven months and my account was in foreclosure status. I provided documentation showing the payments were made and I was not in arrears. I have also provided documentation that my bankruptcy was discharged in XX/XX/XXXX and all payments due the mortgage company were paid by the trustee of the court. I have sent them every piece of evidence indicating payments have been made and no monthly payments were missed. Their response is that they are waiting for the previous mortgage servicer to provide them with information as to where these payments were applied. In the meantime, this whole issue hangs over my head with no resolution in sight. They have not accepted a payment from me for 5 months. I am making sure that money is kept available so I can send them what I owe them if and when the time comes. The stress is tremendous and I do n't understand why this matter is not yet resolved. I went through 5 years of a chapter XXXX bankruptcy and am trying to restore order to my financial future. These mortgage servicers are not doing enough to resolve this issue. Is there nothing that can be done to force them to get this matter straightened out. Do they have the right to just do as they please. What if I wanted to sell my house. I ca n't because of their screw ups. I need help badly as I am at my wits end.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Loanme, inc has taken advantage of my financial hardship and issued me a personal loan at 99.75 % apr .... On XX/XX/2015 they have charged off this account but have NOT notified me I kept paying my payments when I noticed them charging additional interest rate and late payments.. when I requested to see my payment history it showed that I had a CREDIT balance of {$1200.00} but their billing statement showed a balance due of {$1700.00}. I 'm including all the supporting documentations for this case and hope you will serve justice on this predatory loan practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: NC

Complaint narrative:
I have a loan account with BSI Financial. My account includes escrow for taxes and insurance. I have contacted them at least 10 times by both email and phone since XXXX trying to get them to pay the county taxes that were due in XXXX. They have yet to act, and I have no where else to turn since they will not pay the bills. I tried to cancel my escrow so I can pay the bills myself, but they denied the request since my loan is less than two years old. I need assistance getting my tax bills paid, in which there is more than sufficient funds in escrow to cover. 

Account number is XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bliksum, LLC
State: UT

Complaint narrative:
The company sends out reminder emails staring my payment is on a specific day but the payment is taken prior to the date mentioned in the reminder email. This causes payments to bounce and overdraft fees in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: MD

Complaint narrative:
I just received a calculation for my new mortgage payment that increases it by {$500.00} per month! The new payment is effective XXXX XXXX. The escrow custion is listed as {$1000.00}. Is that legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: WA

Complaint narrative:
We were working on a short sale and the lender XXXX service release the loan to BSI. What the investors at BSI is wanting is illegal, and is trying to force the homeowner into a deed in lieu. This is why XXXX XXXX XXXX now has a class action suit against them. Per regulations when a loan is service released with a VALID approval the new servicer is to honor the terms. The short sale was approved on XXXX XXXX, 2016 with a closing date of XXXX XXXX. On XXXX XXXX, the approval was extended good through XXXX XXXX. The loan was transferred to BSI on XXXX XXXX ( per attached letter ). With that said, the approval was indeed valid at the time of the transfer and we would have closed by XXXX XXXX if BSI had promptly honored the terms as they are supposed to. 

BSI has been jerking me around for the past month and a half. I was originally working with an XXXX XXXX and he confirmed that BSI would honor the previous terms of approval and that we could expect an approval letter within in a day or so. Everything seemed fine until one day you were suddenly assigned to a XXXX XXXX and then started stating the investor will not allow a short sale and wants to do a deed in lieu. I will also be contacting BSI upper management/ombudsman to seek resolution on this matter in addition to filing a complaint with the XXXX. 

Thank you Kindly, XXXX XXXX Senior Negotiator Loss Mitigation Group P : XXXX F : 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 2015-10-21 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
XXXX XXXX Offered us a {$100.00} XXXX card if we switched our cable and internet from XXXX XXXX to them. We changed and they sent us a card, but it had zero dollars on it. When we called XXXX XXXX they said we had to call a third party vendor for the card, Blackhawk XXXX. Blackhawk XXXX said the card was used for fraudelant charges XXXX and the card had never been activated. They told us to send in a dispute form, we did, and they sent us another zero balance Pre-Paid card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I am very disapointed with Loan Me Inc.. this is company that instead of helping people is killing with their interest of 94 %. I got a loan with them On XX/XX/2016. in the amount of {$6500.00} Just a t the begining they charge to my loan {$750.00} dls for office documents. two weeks after they diduct from my account {$280.00} and monthly payment was {$500.00} interest only. 
when I went to my account to check how much was my principal balance. I was very surprise!!!!! ... .. that from the payment of {$500.00}. only XXXX cents had went to the principal balance. 
Be Very Carefull With This Company!!!!!!! DON T GET THIS TYPES OF LOAN, BECAUSE ITS REALLY BAD RATE 94 % INTEREST ... 
I WILL NEVER RECOMENDED TO NO ONE ELSE!!!!! MY LOAN NUMER IS # XXXX NOW I WANT TO ALL OF US THAT HAD BEEN HURT WITH THIS COMPANY CALLING " LOAN ME INC '' WE CAN ALL GET TOGETHER AND BRING THIS COMPANY TO THE XXXX XXXX SUPIRIOR COURT TO MAKE IT JUSTICE.. BECAUSE IS HURTING WITH THEIR INTEREST RATE.!!!!! Please Contact me at XXXXXXXXXXXX. Thank You!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
the Kohn Law Firm at XXXX WI XXXX, has many attorneys, I sent a written cease of communication notice, because I do not deal with 3rd party collection agencies. the 1st atty sent me a fake summons to a real court, I found out it was fake when I contacted the court they did not know anything about it. Then the next atty ( I assume XXXX all I have is the name XXXX on my answering machine ; that calls me once a day for the last few days. I sent each attorney written cease of communication notice. I guess they r pretending that they did not receive them because I did not send them certified mail.

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 2015-12-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Medical Management, Inc.
State: PA

Complaint narrative:
I received a letter from Financial Recoveries located in XXXX XXXX NJ. The letter stated that I owed {$40.00}, I called Financial Recoveries at XXXX and spoke with a XXXX and when he answered the call he stated that I was reaching the office of XXXX I could not make out his last name. However he misrepresented himself by not saying that I reached Financial Recoveries. I asked XXXX for an itemized bill and he told me that first they did not have a copy of the bill and that if I wanted a copy that I would need to put my request in written. I explained to him that I work in the collection industry and that they needed to provide me with a copy of the bill whether it is a verbal or written request for proof of the debt. After getting no where with XXXX I asked to speak to his manager and he told me to have a nice day and hung up on me. 

I then went on the internet and got another number for Financial Recoveries XXXX. I spoke to a XXXX XXXX and again when I asked for a copy of the bill he told me that the bill was for a Doctor XXXX XXXX and I explained to him that I paid that bill he then stated that they did n't have a copy of the bill and that I would need to request that in writing. I explained to XXXX that I work in the collection industry and that whether my request for proof of the debt was verbal or in writing that they needed to provide it to me. After XXXX kept over speaking me and telling me that is not the case I asked to speak to his Manager, I was put on a brief hold and XXXX came back on and said I spoke to my supervisor and he told me that what I told you was correct. I then said to XXXX that is no what I asked for I asked to speak to your Manager after several minutes of going back and forth with XXXX I lost my patience because he would not let me speak and when I asked for his Manager again he then hung up on me. 

I then called the doctors office I believe this bill is associated with at XXXX and they gave me the phone number to their billing service in XXXX Pa I called XXXX. I spoke to a man named XXXX XXXX he told me he could not find any bill listed for myself. XXXX then gave me the phone number to customer service XXXX. I called and spoke to an XXXX XXXX he also stated that he could not find any bill paid or unpaid bill listed under my name or social security number. 

XXXX gave me a number for the physician 's billing service and gave me a number to a XXXX XXXX XXXX, I called and left XXXX a message and am waiting to hear back from her.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Foreman Financial Inc.
State: CA

Complaint narrative:
I received a vehicle which was a lemon. I was paying thousands to fixed car which caused me to have to file XXXX for this vehicle.i owed under {$12000.00} dollars when I filed bankruptcy. I finally gave up car and went to court with foreman financial over never receiving any mail letting me know the status of car and how much they received from the auctioning of car. They have added fees totally over XXXX and continuing to add fees even though my credit report saids charge off closed now open / charge off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I am the court appointed conservator for an individual. Capital One sent out a credit card which I returned to them and told them to cancel. They refuse to do so and are now billing the annual fee and late fees on top of that. They insisted that I send them certified copies of the letters of appointment, which I have done, but they still refuse to address this issue. Under Iowa law, the ward does not have the legal authority to enter into a credit card agreement and in this case I caught it before the card was ever used. However, Capital One keeps telling me that I, as conservator, do n't have the authority to cancel this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Solutions, LLC (KY)
State: OH

Complaint narrative:
This debt was originated at XXXX Hospital in XXXX Ohio. My father whom shares the same name, visited and provided his insurance information. XXXX Hospital was unable to collect from my fathers health insurance and proceeded to collect thru credit solutions, LLC. This company reported the collection on my credit report and refuses to fix the problem. This company should be responsible for for all the damages generated by stealing my identity.

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