vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
On XXXX/XXXX/16, I disputed an entry on my ChexSystems report with Chexsystems. The entry was placed by XXXX, California in the amount of {$250.00} and reported for " Suspected Fraud Activity ''. I did not recognize this, and in my dispute to Chexsystems, I requested documentation from XXXX to substantiate both ( a ) the amount and ( b ) the suspected fraud activity. I then received a letter from ChexSystems dated XXXX/XXXX/16, that states that they have verified the information, but XXXX informed that account was opened online so requested docs were unable to be obtained. This is a completely unacceptable response. How was Chexsystems able to verify information when there is apparently no documentation to substantiate the information?

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: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CountryPlace Acceptance Corporation
State: AR

Complaint narrative:
Country Place Mortgage has failed for the second year in a row to make timely payments from escrow for my hazard insurance, resulting in cancellation of the policy. We have been trying to rectify the situation for four days now, but leave messages with no return call, or when they do answer, feel as if we are getting the run-around. I was finally able to talk to a supervisor. She blamed it on the fact that the company switched insurance trackers in XXXX. When I asked if they swapped companies last year because it happened then, too, the system was down so she could n't check. I refused to hang up and said I would hold. She finally got back to me, though the system was still down, with the reason being the insurance company only billed for the minimum amount due. ( ..last year they never received the bill. ) They are n't able to make partial payments and must pay the full amount. They cancelled the minimum payment, and, since the bill was only for the minimum amount and they did n't know the total amount due, no payment was made. She could n't explain why we were n't contacted, just that it is n't the customer 's problem to have to deal with. I asked what would happen if disaster struck. She answered they had a blanket policy, but could n't assure me that my interests were protected with that policy or just her company 's. When I asked about last year 's issue, the excuse was that they did n't receive a bill. Before I got off the phone, she assured me a credit card payment was made on my behalf, but could n't give me a confirmation number, rather they would email me with the information. I have n't received that yet. I have done a little research and it seems that there are rules in place to make sure that timely payments are made. I interpret that to mean " on-time. '' I inquired about what I could do to be responsible for the payment myself, but she informed me that, per my loan, that is n't allowed. What can I do to make sure this does n't continue to happen? To make sure that my property is protected in these types of instances?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Lenderfi, Inc.
State: OR

Complaint narrative:
LenderFi, Inc. created multiple delays in processing our loan documents, eventually necessitating a rate lock extension with a {$780.00} fee. At one point we were told that documents faxed in by our agent had mistakenly been sitting on someone 's desk for 3 weeks. In addition, the morning the appraisal was scheduled we received an email stating that we failed to qualify, and so we delayed the appraisal over a weekend, by which time they had reversed this position and we were able to have the appraisal immediately performed. 
LenderFi President XXXX XXXX told us that they would only pay half of the {$780.00} fee due to our role in delaying the appraisal, which we agreed to. He stated on XXXX ( via text message to our real estate agent ) that he was mailing a check for {$390.00}. We have yet to receive this check, and have been unable to contact him since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
The company is Chess systems I 'm being denied to open bank accounts, credit cards this is. Blocking m. Credit all around. Pls contact me XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I filed bankruptcy back in 2013 and the check system is showing that I owe on some checks that were taken care of in my bankruptcy

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I filed for Chapter XXXX Bankruptcy and included items listed in Chex Systems in the Bankruptcy. I continue to receive decline notices because of the Chex Systems and the items were discharged today. Please have Chex Systems remove these negative items as I am unable to participate fully in the banking system and the items are improperly reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: Credit Protection Association, L.P.
State: FL

Complaint narrative:
The Credit Protection Association that owns the debt collection from XXXX did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature.

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 2016-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
Our home at XXXX XXXX XXXX, XXXX XXXX, CA was foreclosed on while in a modification with BSI Financial Services. 

* Our home was foreclose on 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 2016-08-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Finance System of Richmond, Inc.
State: OH

Complaint narrative:
XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX in XXXX Indiana have been treating my health issues for a few years. All XXXX of the above mentioned have different billing departments but all sends their outstanding or unpaid consumer bills to Finance System INC. a collection company in XXXX Indiana. 

I made arrangements with Finance Systems Inc. to pay bi-weekly payments of {$230.00} to ensure the collections remained off my credit report until i paid the amount in full. 

Finance Systems Inc. continues to place notations and remarks on my credit report stating that I am not paying as agreed. They sent data to the Credit reporting agency on XX/XX/XXXX that I defaulted on an {$86.00} doctor bill after paying my bi-weekly payment of {$230.00}. 

Finance Systems Inc. took me to court XX/XX/XXXX for a {$250.00} bill that ended up costing me {$900.00} to pay their attorney fees. 

I borrowed money from my XXXX account to pay XXXX different doctors bills that Finance Systems Inc. placed on my credit report and refuses to remove from my credit after i paid them. 

Finance Systems continues to discuss this matter and payment arrangements with my wife without my consent or knowledge. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX billing department is not sending proper notification informing me of services performed and sending the bill directly to Finance Systems Inc to collect the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
I have been trying to obtain a modification for this loan since XXXX XXXX and I have not received an answer. I have been working with XXXX XXXX XXXX and recently they sold my loan to BSI Financial Services. I honestly believe that this company has no intention of issuing me a modification for my home. I submitted a modification package In XXXX they review my file and told me I have until XXXX XXXX, XXXX to submit additional doc. I submitted the additional docs on XXXX XXXX, XXXX. I spoke to XXXX XXXX assistant and told him when to anticipate the documents because I was coming back from vacation and they will be submitted on time. I was told that once a modification was in place the property can not be sold. I received documents that my property has been sold. Then I receive document that the sale date was set for XXXX XXXX, XXXX. When I spoke to XXXX at the BSI he assures me that he would check that out and contact me. When we spoke he reassures me that there was no sale date set for my property. Yet I continue receiving court document of a court date. While I am waiting to hear the outcome of my modification, on XXXX XXXX, XXXX, I received a document dated XXXX XXXX, XXXX that they did not received my additional document so they can not issue me a modification and I have 30 days. Well the letter was dated XXXX XXXX, XXXX. So my question is ... 30 day from what date? I have called and left dozens of messages and no one has returned my call. Well, I do not know what kind of game they are playing. But the government need to put a stop to BSI and there unethical treatment toward consumer/borrower. I am in need of a modification for my home. I have a stable and sufficient income and I am more than able to afford this home. My place of employment is XXXX minutes from my home and I stay with my XXXX children. I am asking you to help me to work out this issue.

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 2015-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
I have been trying to complete a short sale with BSI Financial who has now purchased my loan as servicer XXXX ( lender ), as outlined in the Relief from Stay they filed in my Bankruptcy case. My agent has been working with them and receiving emails directly from them in which they continue to change the terms of what they need to get an approval. First, they declined the offer we presented due to it being an investor buying my home and the value being too low. BSI sent an appraiser to look at the value of my home, and he went inside my home on XXXX XXXX, 2015, but never disclosed to me what the value is. My agent and her short sale team requested the valuation many times without any response from them. I believe they have to provide it per the XXXX valuation rules. The bank then cut the commission in a later email to make it harder to obtain a buyer. Then, they required the buyer be owner occupied and get cross qualified with their lender. They even provided exact XXXX comments that my agent used exactly as they requested. We complied with this and my agent held an open house and obtained an owner occupied buyer ( and getting the Owner Occupied Affidavit signed that they provided ) with a much higher offer, {$15000.00} above market price. The buyer did get cross qualified with their lender as they requested. We submitted the full offer with all documents, repair bids and comparable sales as they requested. They declined the file with no reason other than a XXXX line email " offer is too low ''. BSI Financial should provide me with the value they believe my house to be worth and/or counter offer the great buyer we have. Its a nice family who is spending time and money to wait for some response from the bank. My agent and short sale team emailed BSI on XXXX/XXXX/15 requesting correspondence within 3 days and to provide the valuation done on my home. We have yet to hear anything from BSI Financial. XXXX XXXX XXXX is the person who has been in touch with us. We have asked for his manager and left many messages with no response. In addition, my lawyer has already obtained the required approval from the bankruptcy court allowing the short sale, which cost me legal fees. I do not believe that they are doing anything to assist me preventing foreclosure on my home, in fact, they seem to be stalling and trying to deny me as they want to foreclose. They clearly do not want to work with me on this short sale, even though I have a physical and financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
21st Mortgage bought our mortgage from XXXX. 21st Mortgage has created an overage account without my consent. I pay {$1000.00}, the payment is {$530.00}, but I pay an additional {$460.00} to be allocated to the principal amt. This is how it was done with XXXX. Instead of placing the XXXX in principal amt, 21st mortgage has created an overage acct. Also, 21st mortgage does not send me a monthly stmt with the new balance, nor am I able to obtain the balance online.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
I have a paypower prepaid card. I loaded more than {$3000.00} on the card. Now they hold my money and I can not use my card. I emailed the customer service and was told that they can not locate my account. 

I called the company and was informed someone will contact me. 

I never heard back from them. 

However, they kept charging my account after cancellation ( whatever you name it ). The latest Maintenance Fee was charged on XXXX/XXXX/2015. 

This company is just a scam. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NH

Complaint narrative:
My mortgage loan began in XXXX of 2016 with the first payment being sent to the original mortgage company of XXXX XXXX XXXX on XXXX/XXXX/16 ( Due XXXX/XXXX/16 ). 

On XXXX/XXXX/16 PHH Mortgage sent notice to me that they had purchased the loan on XXXX/XXXX/16. Beginning XXXX/XXXX/16 I began receiving 2-4 phone calls per day from PHH Mortgage representatives demanding that I make two mortgage payments immediately. They insisted they were owed the first payment that was due XXXX/XXXX/16 ( which had already been paid to XXXX XXXX XXXX ) as well as the second payment which was not due until XXXX/XXXX/16, 15 days in the future! 

I explained to your PHH numerous times that the first payment was already paid to the original mortgage company and that the second was not due for another 15 days. I still received 2-4 collection calls every day. On XXXX/XXXX/16 my bank, XXXX, sent payment for the payment due XXXX/XXXX/16 to PHH and it has been confirmed as received. I still receive 2-4 collection calls each day demanding I immediately make two additional payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
Good Morning, This is regarding a problem with a paid off mortgage in XXXX XXXX with PHH Mortgage in XXXX. XXXX, NJ. The mortgage of a home in New Jersey was paid off back in XXXX XXXX and we are still trying to receive the money from a TAX OVERPAYMENT made BEFORE the mortgage was paid off. 

Now it 's XXXX XXXX, OVER THREE MONTHS since the mortgage was paid off and the tax payment made in our behalf to the town. After NUMEROUS CONTACTS over MANY MONTHS to PHH Mortgage Customer Service, PHH Tax Department, the township in various forms, we are still waiting for a tax refund which was requested in XXXX XXXX. 

Your efforts to help us secure money that was deducted from our accounts and paid by PHH Mortgage from our accounts would be helpful. Please help us RETRIEVE OUR MONEY back from PHH Mortgage. 

Thank you, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Business Revenue Systems, Inc.
State: FL

Complaint narrative:
I am not aware of what this debit is. And I do not leave it to be mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
I visited a branch of Zion 's Bank a few months ago and received a copy of my statement. The statement had an address on it that was unfamiliar to me. The address was XXXX XXXX HOLD AT UT XXXX XXXX DO NOT MAIL. I did some research and found that the address belonged to Nevada State Bank, an affiliate of Zion 's Bank. The address involved a service called External Transfer to a Friend. I spoke to a representative from Nevada State Bank who told me there was an online account under my tax ID and name, ( along with a signature card ), at their bank. I asked if she could send me a copy of the signature card but was denied. I was not aware of any online account at this bank ( which was connected to my account at Zion XXXX Bank ), nor was I aware of any External Transfer to a Friend. I never filled out an application or signed a card for this service. I had no intention or reason to be sending money to anyone. I then sent an email to the administration of Nevada State Bank to inquire about this online account. I received a reply from them which denied any account whatsoever. I called the bank to make sure they understood what I was asking for and the representative 's reply was that her computer showed that " the records had been purged. '' I sent another email to the administration and they suggested I call Zion 's Bank. I sent an email to Zion 's Bank, they told me that the account was a trust account owned by my family and that I would have to reach the " Trustee '' of the Trust for information. They said that I was not a signer on the account. There are XXXX problems with this reply : 1 ) I was the only signer on this account, I have attached the signature card from my account at Zion 's. The card states that the bank is authorized and directed to take instructions concerning the account from myself only. 
2 ) The service External Transfer to a Friend specifically states that Business, Organization, and Trust accounts are NOT ALLOWED. 
I mentioned this in an email to Zion 's Bank and asked for a reply from them, the response was that I should seek an attorney. I should not need an attorney to get information regarding a bank account that I owned.

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 2015-08-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : ( XXXX ) XXXX : XXXXPHH Mortgage Corporation Loan Number : XXXX : Consumer Financial Protection BureauRegarding : XXXX XXXX XXXX XXXX XXXX ) PHH send me a letter dated XXXX/XXXX/2015, stating that I was not eligible for a Homeowners Assistance Program, and that you are the " owner of your mortgage loan : XXXX XXXX XXXX XXXX XXXX ''. 
2 ) Your customer service department stated you are not he owner of my loan. 
3 ) A Notice of Trustee 's Sale was posted on my front door for a sale date set for XXXX/XXXX/2015, stating that are a Trustee for XXXX XXXX Mortgage. 
4 ) A Notice of Trustee 's Sale was posted on my front door for a sale date set for XXXX/XXXX/2015, stating that are a Trustee for XXXX XXXX Mortgage. 

I 'm requesting of you to provide me under the California Homeowners Bill of Rights, Mortgage in General-California Civil Codes : 2923.55 and 2923.6 and 2923.7 and 2924.9 and 2924.17 and all other Civil Codes that applies. 

Copy of the Note The Recorded Name on the Deed of Trust Any Assignment Notice of Trustee 's Sale for XXXX/XXXX/2015 and XXXX/XXXX/2015 All Evidence Required to Demonstrate the Right to Foreclose The letter Fair Debt Collection Practice Act ( FDCPA ) The Wet Signature because of Robo Signing Explain Securitized Loan Explain Mortgage Electronic Registration System ( MERS ) Explain XXXX XXXX XXXX Explain XXXX Explain XXXX XXXX XXXX XXXX of XXXX pages

Company response to consumer: Closed with explanation