vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SecurityNational Mortgage Company
State: AZ

Complaint narrative:
I am a XXXX and have been trying to close on a house for a client since XXXX XXXX. It has been over 115 days since the lender has had the contract. At first they loan was for a VA loan. A few days before we where supposed to close the lender says that my client does n't qualify for a VA loan. Something that should have been figured out in the Pre approval process. Did you serve two years or more? Or did you do a full tour? My client did n't meet that requirement. But he paid for a VA appraisal. So then we switched the loan to a FHA loan. We extended the close another 30+ days and extended a again after that. The sellers where very nice in extending and they had a contingent house based on the closing of this transaction. The FHA appraisal took forever and once it came back did n't get uploaded correctly. With all of the issues that this loan has had you would think that the lender would have been in constant contact. I heard from the loan officer 4 times on the phone after I would have to call him repeatedly to get a answer. I went over his head to the branch manager and she did n't know anything was wrong with the loan. The Lender had no since of urgency in getting this transaction closed. With the lack of communication from the lenders and that they kept making promises to close the loan yet week after week it did n't happen. My clients have now lost the home that they where trying to buy and they do n't have a place to live because they had to give a notice that they where moving. They have spent over {$1500.00} to try and get this home and have nothing to show for it. And because they are a FHA loan they might not have the funds to go after another home with all of the costs of inspections, appraisals, and the 3.5 % down payment. Through out this hole process the lender has taken no responsibility and has dropped the ball many times. I feel bad for my clients because at the end of the day he did serve our military and they do n't deserve to be not cared about by a big lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Couple years ago, I took in credit 2 phone from the store XXXX, New Jersey, XXXX. This phones were from the XXXX and in about 5 days I returned them in a legal amount of 15 days which was the policy for returning and I changed to XXXX. In the next couple months I found out that the XXXX did not complete the transaction. So, I returned back to the store with the receipt which they gave me for returning the XXXX phones and changing to XXXX. They made a copy of the receipt and said that they called XXXX and correct everything and I suppose not to have any problems. But couple days ago I discover I do have a collection on my credit history and this came from XXXX. But after all this years I can not find already the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
Beginning in XXXX of XXXX, I had an invoice show up on my pay pal account that got paid without me hitting the " pay tab. '' My bank, Bank of Hawaii, accepted the invoice, even though I did not have the money in the bank, because I was not aware of the invoice. Bank of Hawaii charged me an overdraft fee of XXXX dollars and kept charging me overdraft fees every week that I was overdrawn. I was stunned when I realized I had to pay over a XXXX dollars in overdraft fees from my social security check at the beginning of the following month. 

I called Bank of Hawaii and told them I did not sign an overdraft protection option and please not to pay for anything being charged on my bank account if there was not enough money in it. I told them I was wary of another unauthorized invoice entering my account. 

I explained that I had gone on free book promotion sites to promote my new book and one site had sent XXXX an invoice. I talked to XXXX. She checked my account and said I indeed had not signed an option for overdraft protection and it would not happen again.She was polite and helpful, so I let the matter drop.. 

. Come XXXX, it happened again.I got the same invoice from the same company that XXXX paid. It seems like the company was trying to make their invoice look like an automatic monthly withdrawal.. When I called the Bank of Hawaii and protested,, a supervisor told me the bank needed proof that I won the dispute I filed with XXXX before they would reverse my charges. The supervisor then told me I was overdrawn XXXX dollars and change, and to pay it before Thursday or the bank would charge me again for having an overdraft. 

I got to the bank and covered my overdraft charges on Weds. However, I got a notice from the bank a few weeks later that my overdraft fee had been XXXX dollars and change, and I was being charged overdraft fees again. 

This is three months in a row that I am being charged fees that I have to pay with my social security income for the invoice I tried to warn the bank about. Currently, I am in an overdraft status and the bank is charging me every week for being overdrawn. 

I took my Bank of Hawaii card off XXXX and changed all my settings. I have n't had any unwelcome invoices show up since doing that. 

Here is my complaint : It should not matter when my XXXX dispute ends. A dispute can take awhile. The fact is, I did not sign up for overdraft protection with my bank and I believe Bank of Hawaii 's fees are in excess and based on a false premise. I would like all my overdraft fees that started with the invoice from XXXX in XXXX XXXX and continued through XXXX XXXX, to be reversed. 

If the bank will not reverse my charges from XXXX XXXX XXXX, I am asking for a full review of their overdraft fees on my account from the time I opened it. 

Thank you, I am seeking a reversal of all

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
Had a debt with XXXX of MA that I paid in full prior to them sending it to collections. I got a collection letter from convergent outsourcing, a few weeks later in which I figured that it would get corrected from the gas co. I now notice that they are reporting to all XXXX credit reports as unpaid even after I called them. they are not correcting this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I canceled my XXXX account in XXXX 2014 and just yesterday received a letter from Convergent Outsourcing located in XXXX, WA, saying that I owe {$130.00}. I contacted XXXX and they told me that they do n't have any record of me owing any money and my account balance is $ XXXX..I spoke with XXXX XXXX over at Convergent and she was extremely rude like I was inconveniencing her for asking questions and told me that she 'd send it back to XXXX as a dispute and when I asked how i 'd be informed about what 's going to happen, she said that I just would n't get anything else in the mail about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
A collection agency put information on my credit report for a bill that I had for a XXXX cell phone XX/XX/XXXX. This was included in my bankruptcy back that I filed XX/XX/XXXX and it clearly lists XXXX and another collection agency that was trying to collect the debt at the time. This has brought my credit score down by XXXX points for old information. I have attached all of the information that is needed for review but if anything else is needed pleae let me know as I am in the process of trying to rebuild my credit. I am also considering taking the collection agency to small claims court as researching this was time consuming and cause credit to be declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
on XXXX/XXXX/2015 XXXX accessed my credit report with permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
When I went to the dealer, I signed for my credit check so they can see my credit and offer me a loan rate as they offer up to 0 % financing. The sales person told me that my credit score will give 8 % APR financing. I checked my credit score that night and it was already impacted for this credit check from Toyota. So I decided to continue and buy the car I found there. A couple of days later they have the car ready, I get the insurance and I was ready to sign for the car. When I was in the financial office, the person who attend me told me that my credit score was too low and they only way they can " help me '' to have the 8 % APR was if " I help them '' buying the extended warranty. It increased the final price for almost {$4000.00}. I told them I did n't want the extended warranties and all I want was the car and the 8 % finance initially offered. The person in charge of the financial office was pressuring me to get the extended warranty, as I refuse to take it he told me that the APR will be 9.44 %. As my credit score was already impacted and I 've spent many hours in this dealership I did n't want to go to other dealer, I decided to take the car and sign with the 9.44 %. I think that this sales tactics, pressure and confusing information is not correct. Why they offer and initial APR but do n't say that is subject to buy extra services that increase the final price of the vehicle. Also this person who I do n't remember his name at the moment, was very rude, unprofessional, and was acting like he was doing me a favor not treating me as a customer that is buying a car. He said " if you do n't like the way I do it, you can go to other place ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I spoke to Cmre rep a few times. They keep asking for the FULL AMOUNT of original balance. They 're not the original creditor and ca n't pursue the full amount. I 'm a veteran and have notified them several times. They 've been extremely rude and management wo n't return a single call.

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 2016-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
they keep on harrassing for debt i do n't owe and threating me I have no business relationship with them I asked them for validation of debt they keep on harrassing me non stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
According to XXXX XXXX ( per my pending complaint ) a ChexSystems score was used to close my account after it had been opened and set up ( approved by a Principal in the company ). I did not receive any notice from ChexSystems regarding a denial or was it clear to me that XXXX XXXX would use a third-pary reporting system without my knowledge. Additionally, the redress option that I was offered from ChexSystems was to order a report because I was denied credit. This is first time I 've even heard of this company as from my understanding the XXXX major credit bureaus determine credit scores. However, this is not the case. The issue I have with ChexSystems is that I was not informed that I was denied an account via XXXX XXXX because of a ChexSystems score. The report I received ( as the letter I uploaded ) indicates I have no history of " mishandled, reported for cause, and/or outstanding debts. '' Either the information that ChexSystems provided to XXXX XXXX was incorrect or there 's another scoring component. Additionally, the language used on the " Inquires Initiated by Consumer Action '' states that " These inquires can be viewed for ninety days up to three years. '' What is the criteria for that? Who determines how long they will stay on the report? Does this negatively affect your score? How can you know your score when the report does n't show it? These are all questions that have not been answered by ChexSystems. It is unfortunate that such an opaque process is used deny consumers the information they need to address an issue that is so clearly important ; understanding consumer reporting agencies and having access to redress issues that are vitally important to a consumer 's financial life.

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 2015-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXdebt collector : Financial Recoveries XXXX 

My name is XXXX XXXX. I sent a dispute letter out to Financial Recoveries using certified mail on XXXX/XXXX/2015. It has been XXXX days since i sent the letter and when i called them, i get different dates XXXX has received it. I then tell them it has been thirty day and the response from Financial Recoveries was the companies XXXX days to responded start from the day it is received the dispute and not the day it is mailed out. is this true? if not, could you look into it. Plus, the collect account is still being reported has open or closed and not " being disputed '' could you pleas look into that and see which is not report Financial Recoveries or the credit Bureau XXXX because Financial Recoveries is saying that it was reported the credit bureau.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have several issues with Experian. See below : 1. The following XXXX bankruptcy accounts appearing on my file were previously removed in XX/XX/XXXX due to my credit file being mixed with another individual and not belonging to me. The Bankruptcy case # 's are XXXX and XXXX. As of XX/XX/XXXX they were re-inserted back onto my file. In addition, there were several other accounts that were not mine, XXXX, acct # XXXX, XXXX acct # XXXX, XXXX, acct # XXXX, and XXXX, acct # XXXX. All of these accounts belong to whomever my file is mixed with, they are not my accounts. I asked Experian to provide me with the documentation received from the creditors identifying that these accounts in fact belong to me which would be my ENTIRE social security number, address and DOB. I was informed by XXXX whom I spoke with today, ( XX/XX/XXXX ) that I would need to contact the creditors to obtain this information. I would like for Experian to provide me with a copy of the documentation proofing that the accounts in fact belong to me or remove them from my file 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 2016-10-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have several ongoing issues with Chase Bank ( JP Morgan Chase ). 
1. Since the bank has account maintenance fees and fails to honor the types of deposits made into my account. I was forced to close my savings account. I do not have a credit card linked to the account either. I do not have any type of overdraft account. Therefore, I opted out of automatic withdrawals when the account has insufficient funds to complete transactions. Yet, they still proceed to withdrawal funds from an account that does not have sufficient funds nor overdraft accounts to cover an item and the charge non-sufficient funds fees. 
2. I have XXXX types of direct deposits as XXXX XXXX banking customer which deposit more than the required amount per month to avoid monthly account maintenance fees. 
a. The first is a weekly transfer from XXXX. I have XXXX clients who pays me strictly via XXXX and refuse to establish a direct deposit with banking institutions because they are not willing to pay astronomical fees to the banks. 
b. The second deposit made twice per month on average comes from a client who pays via Chase Banks ( JP Morgan Chase ) in-house Quick Collect system. 
I have addressed these concern with bank officials ( whom I met with inside the branch and spoken with over the phone ), on many occasions. They refuse to come up with a permanent solution to this issue. 
I feel they are determined to discriminate against those of us who are XXXX XXXX, women, XXXX XXXX owners, senior citizens, XXXX, lower economic class, and poverty level customers by taking advantage of the socially disadvantage/underserved population. We need local banking institutions as well. But they make a considerable amount of fees because they constantly penalize us for being in those categories. 
Also, I use to get a free bank check every month. In XXXX, they no longer offer that service. Seems like they 're retaliating because I have been vocal about discriminatory banking practices. The officials at JP Morgan Chase have told me that I can take my business to other banks if I do not like their policies. I felt disregarded as a customer. They have a valid point. However, the only reason I continue banking with them is to accommodate my client. Because I appreciate the business that is given to me. It 's unfortunate the JP Morgan Chase devalues customers of lower social and economic levels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello- i purchased a home in XXXX 2014. This day was suppose to be the happiest day of my life and instead i was feeling like i should have not made the purchase but was n't able to get out of it because of i would loss the down payment money and other things. the lender company did n't do a great job of explaining things correctly to me and i often received conflicting information or finding out that the amount approval was given was incorrect fha vs 100 % financing. ok, i found out that the lending company use and insurance company that i had no knowledge of and the amount of coverage was not correct. the house had coverage for someone not going to be in the home for about six months. i found that out due to searching for a lower monthly payment, on now i found out that the taxes on my home is 1500.00 hunder dollars more than what they said at first before closing. so with my monthly payment of XXXX is now going to go up over 800.00. When i went into the office to apply or see if i can qualify for a home, i told them I do n't a monthly payment of 700.00. they said i would have to fight the payment of XXXX until i file homestead exemption and i will drop about 300.00 a year and the would put me closer to my request. I said ok, now come to find out THAT is not going to happen since i am in the whole from the amount of propery tax and the correct insurance has gone up on my home. I am so afraid I will not be a home owner for long because of the STRETCH payment i am having to come up with from month to month now. This is stressing me OUT so bad, it will mess up my credit, and my living status with my family of having to find them a nother place to live. I spoke with manager of homestar and i do n't feel as thou he understand how this has effected my finances of struggling to pay this every month. Having to come up with extra monthly with children and other responsiblity is difficult, and that is Y i try to plan and keep it to an minimual ... .. this is CRAZY ... .... i am trying not to cry but it is hard to tell your family we may have to move because we can afford where we are because of some XXXX else neglection.

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 monetary relief
Consumer complaint received 2016-10-30 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
myprepaidcenter.com declined a transaction before the card expired. Stole the {$100.00} balance I had left.

Company response to consumer: Closed with monetary relief