vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-12 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: GA

Complaint narrative:
With reference to my XXXX XXXX 2016 Case Number XXXX with this consumer agency. 
Why is XXXX being allow to send this open case to a collection agency and continue to harass me with emails and unregistered phone calls while not providing a proper response to this CFPB claim? ( I now have reason to believe that XXXX has filed a negative credit report with XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Overdraft, savings or rewards features — 
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
I added {$200.00} to a Reloadit card and i never was able to get my money they told me the website was having trouble. The customer service WAS TERRIBLE i just took XXXX bucks of my hard earned money and put it on this card and POOF it was gone into XXXX KNOWS WHOS POCKET. I called over 5 times and it was the same thing we can not help you keep trying to create a safe on our site to put your money into and i kept getting the same error and when i would call them i would get the same run around. I just feel so taken advantage of

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP.
State: MA

Complaint narrative:
Hi, I had a multifamily home, and I moved out to a single, it was rented out, the bank that owned the loan file bankruptcy, the new company that brought the loan said I did n't qualified for a modification because I did n't live there and its considered and investment property so they foreclosured when I did n't agreed to there terms. I told them I should get a modification and that mgl XXXX for foreclosures states that, they claimed that the mgl. XXXX does n't apply to me, because I did n't live at the property I was n't entitle to any modification or a 150 days right to cure, and was not allowed to find another bank that would refinance me. After I did n't agreed to their terms in XXXX XXXX 2015 they sent back my money and foreclosed on XXXX XXXX 2015. I tried to get back my property but they sold it to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Loan me sent a post card to my address with a 7.4 apr when I actually was approved for the loan the APR went up to 137.70 % and 135 % for the Interest. I am a struggling single the parent and can not afford to give LoanMe {$12000.00} for a {$3000.00} loan. I received this loan in XXXX of 2014 and have been paying consistently for the last year. Please look into this company because the percentage rate for their loans is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
I have XXXX paid medical accounts that went to collection. They were quickly paid in full to original creditor. Collection agency reported inaccurate and incomplete information regarding these accounts before and after they were paid. 

Based on this poor account management XXXX and XXXX deleted these accounts from my file. XXXX continues to allow collection agency to verify bad information by rote.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: 21ST MORTGAGE CORP.
State: GA

Complaint narrative:
We were less than 30 days late on our mortgage payment and the company is calling multiple times a day and threatening us with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP.
State: LA

Complaint narrative:
I filed an insurance claim for damage to my home and the check was made to myself and my mortgage company. I have been in touch with 21st century mortgage several times in reference to getting the check dispersed. We finally settled on an agreement that if I caught up on my mortgage they would surrender the check to me so I can make repairs. I have caught up on my mortgage, but now the company is saying that I have to purchase all the materials needed to make the repairs and pay for the repairs then submit receipts before they will give the check to me. I can not afford to do this. I need the check to purchase the materials and pay for the repairs. It is extremely urgent that I get these funds to repair my roof. A company representative told me that once I caught up on my mortgage that they would send me the check, but now they are saying no. I need to make the repairs first. It is very disappointing and frustrating that the company is holding my insurance check as they have never paid a payment on my house insurance, I have always paid it myself! In addition, I have several other issues with this company. My mortgage originated XX/XX/1995 with XXXX and then it was sold to 21st mortgage. I have had this mortgage for twenty-one years. And the original amount financed was {$51000.00}. I have had this mortgage for 21 years. The annual percentage rate was 8.75 % and the monthly payment was {$420.00} We have paid over $ XXXX towards our home and the company is refusing to send me the payoff amount. When I asked for the payoff the representative said she would send it, along with the contract. However, I have yet to receive either. I would like an explanation of why I have n't received the pay off or contract. As well as, an explanation of why I have to pay so much on this mortgage. I have paid almost three times what my home is worth. I was young and trying to get started with my family and I was completely ripped off by this company. I did n't know any better, but this was definitely a case of predatory lending and I hope that it is not to late right this wrong. I have a child in college, XXXX XXXX child living at home, and XXXX child that is finished with school and I am tired of struggling. I would like to be able to help my family, but 21st mortgage is trying to bleed me dry financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP.
State: UT

Complaint narrative:
XXXX XXXX XXXX vs 21st Mortgage UNFAIR BUSINESS PRACTICES ( Nevada ) Fraud Upon the Court - Foreclosing Foul 21st Mortgage, apparently a " foreclosure mill '' is now unethically FORECLOSING, XXXX XXXX 2016 STOP THEM! They received an application after agreeing to review it. They received it more than the seven days prior to foreclosure they told me on the phone. If they meant " business days '' they should have said business days. I would have no way to guess that information. They can not foreclose while an application is under review. 

Homeowner DETAILED ACCOUNT of experience with 21st Mortgage ( a bank/servicer or foreclosure mill I never choose to work with, but was forced upon me by the changing of hands without my knowledge ). Included is back up documentation OF nasty harassment, multiple bad faith dealings over seven years ( XXXX or XXXX banks - this will focus on 21st Mortgage ), intent to defraud consumer, fraudulent activities and failure to comply with their own work out offers. I will demonstrate my good faith efforts to comply in order to stop the foreclosure, years of efforts to avoid foreclosure on my otherwise perfect credit by either a principle reduction to the current value at the current interest rate, a short sale or a DIL. I will show PROOF of bad faith on the part of 21st Mortgage, PROOF that they make offers, force compliance, then when compliance is completed, walk away, delay and delay and simply set a new foreclosure date rather than complying with their own offer. Is this bad faith or intent to fraud? Why is XXXX in every XXXX Nevada homes in foreclosure? 

PLEASE SEE FULL COMPLAINT ATTACHMENT as this box has a minimum character count and my document is too long. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Prepaid card — Transit card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
XXXX/XXXX/15 I was a victim of a IRS scam, some XXXX called me and I fall for it and purchased the prepaid cards XXXX it and them the numbers of the XXXX prepaid cards, an around two hours later I realized it was a scam so I called the number in the back of the cards, a CSR inform me the the money was on the cards and she ( XXXX ) was putting a stop on the cards. I was happy as thinking did n't loose my money and everything was fine just like she said, also she give me a ITS number of the claim and explain the it will take XXXX to XXXX business day to send me a check, I explain the situation and ask her if she was sure the sto payment was done because this was a time sensitive situation and she said yes. Week latter I called the company to seek the status of my claim and the inform me they only put a stop on XXXX cards and the XXXX of them were redeem, they only can return the money on those cards and the rest was lost because the cards area like cash, I did understand that but when I called them the money was there and they supposedly put a stop, if they would it told that the stop would take time, I could redeem the cards my self and get my money back but the make me believe that my money was save and I believe them because after searched their name it seem like a legitimate company. The are regulated by the federal government, and license from XXXX XXXX XXXX XXXX XXXX XXXX FDIC. I feel the this company is as guilty as the people how called me, or more because they deliberated did n't inform me of the time a stop would take, on the other hand the make me believe the money was save and everything was fine that I should just wait for my money to come in the mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-13 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Company claiming to collect on behalf of a payday loan. Wo n't stop calling at all hours. Left threatening messages on my phone as well as my husbands.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
My account got locked because the company changed the policy and started locking accounts automatically for any transaction over a {$1000.00}. I have not been able to use the account for months. I requested the account to be closed and the funds to be returned to me. After submitting all the requested documents, the company representative gave me 30 day deadline before the check would be issued. It has been over 2 months since and the account remains open and the crooks continue charging me monthly fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 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: NJ

Complaint narrative:
This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

Under federal law, I could hire an attorney to sue them at no cost to me and ask for {$1000.00} in damages, since credit bureau reporting is considered a collection activity and have failed to provide legal documentation that they are reporting this account 100 % accurate.

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 2016-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Everbank foreclosed on my house in XX/XX/XXXX. Then transferred the loan to XXXX and they started foreclosure in XX/XX/XXXX after Everbank had already foreclosed on the property. On my credit report Everbank has a line that says loan transferred. Which leads creditors to believe that I have a mortgage out there somewhere, but I do n't. I have spoken with Everbank and asked them to simply report to the credit bureaus that the account is closed and settled in full, but they refuse. They say that I need to talk to XXXX. I 've talked to both companies and they both are playing the blame game. Everbank says that I owe no money. So because they have the status of the that mortgage as being transferred it is hindering my credit and my ability to receive credit to buy another home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FIRST HERITAGE CREDIT LLC
State: LA

Complaint narrative:
My husband and I purchased furniture from XXXX XXXX. We applied for a 24 month interest free loan through XXXX XXXX that was being financed by 1st Heritage Credit ( First Heritage Credit XXXX XXXX XXXX XXXX, XXXX, XXXX, LA XXXX, Branch Manager XXXX XXXX ). The amount of the furniture purchase was {$2700.00}. We received correspondence from 1st Heritage stating our payment amount was {$100.00}. This means we would not pay off the purchase price within the 24 month interest free period if we paid their " payment amount. '' We then received a " 1st Heritage Payment Statement '' stating that our loan amount is {$3800.00}. 1st Heritage 's statements and correspondence have been very misleading. We did not agree to a loan amount of {$3800.00}. We also do not owe them {$3800.00}. We feel as though 1st Heritage is making these process misleading and trying to get us to pay an extra $ XXXX for the furniture that was financed. This process is so frustrating that will likely take money out of a saving account to pay off this loan as to not deal with a dishonest lender. It 's frustrating that this loan appears to be hard for the average consumer to manage and understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIRST HERITAGE CREDIT LLC
State: NJ

Complaint narrative:
I am being harassed by a company called 1st Heritage credit out of XXXX Tennessee XXXX for an account my father owns. They are making threats to my wife and I stating we are liable for my fathers debt and our credit will be affected and our house will be repossessed. They are constantly calling my phone mumber demanding payment. They recently called my in laws demanding payment as well. The debt owed is between them and the my father and these threats need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Back on XXXX XXXX, 2015 I purchased a cell phone from XXXX XXXX using my credit card. When the phone did not arrive, I called to file a dispute on the XXXX of XXXX. I was issued a temporary refund to my account. I always make the habit of paying off my balance as soon as the charges clear the account before the statement is processed, so I paid the charge of {$1000.00} already back in the beginning of XXXX, but as of XXXX XXXX, I noticed the refund was taken away and I was rebilled for the charges of {$1000.00} and I am being asked to pay them XXXX even though I still do not have the merchandise that I originally paid for. I called several supervisors who claimed that a mistake was made and that I recieved XXXX charges and XXXX credits that should have cancelled each other out, but they would do nothing the correct this issue and I was forced to pay the {$1000.00} back to the credit card company to avoid a negative consequence on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have had a XXXX ( mental health and physical health ) starting in XXXX. In XXXX XXXX of my Doctors ( XXXX XXXX XXXX ) stated that I was likely fully XXXX. In XXXX XXXX I was ruled by an administrative judge to be 100 % XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX XXXX Florida ( XXXX XXXX, XXXX. ) contacted these all of the federal student loan agencies but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease in XXXX as these directly impact credit scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I reviewed my Chex Systems consumer report and there are fraudulent and unauthorized inquiries listed on my consumer report. The following inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Agency will not provide the correct documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
This has been an ongoing situation with Chex-systems. I have been trying to open up an account for an auto loan that was approved but the requirements of the loan is for me to open up membership and There is a Fraudulent Checking account that was established in my name with XXXX in which they are reporting a charge off account. I had a police report filed for some other fraudulent accounts that were established in my name. I sent it in to chex-systems and they said they were not going to use my police report because the XXXX Account was not included in the police report. I have filed a new police report with XXXX XXXX XXXX Sheriff and have specifically included the XXXX account that is fraudulent. I need this account to be blocked and removed immediately from my file. This has already token way to long and I have not been able to obtain my car loan because of Chex-systems lack of trying to help me remove this fraudulent information from my Chex-systems file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
TRIED TO OPEN BANK ACCOUNT AND XXXX SYSTEMS REPORTED THAT MY SOCIAL SECURITY NUMBER COULD N'T BE MINE GIVEN THE SEQUENCE OF NUMBERS WAS AVAILABLE FOR ISSUE IN XX/XX/XXXX IN NY, HOWEVER, I WAS BORN IN XXXX MARYLAND IN XX/XX/XXXX NOT NY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Admin Recovery, LLC
State: FL

Complaint narrative:
Collection agent left a voicemail at my place of business on an extension that I use. The voicemail message indicated the attempt to collect a debt on behalf XXXX. The voicemail greeting does not state my name or make any reference to me individually, and the voice mail messages are accessible to the entire office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
THIS IS a request to have invalid address 's and different variations pf my name deleted from my consumer file. I request Chex-Systems to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXFINANCIAL INSTITUTIONS : XXXX XXXX XXXX XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I have filed for ID Theft protection because there is no way I can leave in XXXX different states a one time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation