vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-25 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: TX

Complaint narrative:
I received a notice from this collection agency stating they validated and will continue collection efforts. I need some help as they are violating my rights. First I do not owe them anything all equipment was returned and second this is over 10 years old and they should NOT be reporting it on my credit file. I thought there is a 7 year statute of limitations. Please help

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 2015-09-08 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX at XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX, NC denied a checking account for me. XXXX XXXX stated ChexSystems had a DENIAL code on my ChexSystems file XXXX my consumer id is XXXX ). I spoke with XXXX at ChexSystems immediately after who stated they do n't place denial or approval messages on consumers accounts. Can you review if ChexSystems is reporting a denial or approval to financial institutions?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
Certegy is reporting on my credit report that I have an outstanding balance in their office for {$1400.00}, from XXXX. I have now called their office several times to inquire about the debt they are reporting. They tell me that I do not have a debt in their office. Nevertheless, they are not taking the account off of my credit report, even though I have disputed it multiple times.

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 2017-03-19 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: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
The XXXX has been attempting to collect money for a newspaper I have never received. A solicitor came to my door offering subscriptions to various magazines and the XXXX. To get rid of her, I gave her a check for {$19.00} for the times. It was supposed to be for the Sunday edition to be delivered for 2 months. The paper was never delivered, and I have never received anything from the XXXX other than bills for more money. I emailed them stating that I never received the paper and I did not want it. No newspaper ever arrived, yet requests for payment continued. I assumed it was fishing by the XXXX, so I threw them away. 
Today, I received a letter from A.R.M. Solutions which is apparently the XXXX ' collection agent. They are attempting to collect {$28.00}. I realize that it is a small amount, but it is maddening to be continually sent bills and then be put into collections for a product I never received. I am sure that were I to pay the amount they say I owe, I still would not receive any newspapers from them, nor do I want anything they have to offer ever. 
I would like this resolved so that false debt or false collections do not show up on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Movement Mortgage LLC
State: AR

Complaint narrative:
I was approved by a underwriter at Movement mortgage and at the day of closing my loan was denied, all my documents were approved, my income was verified, I had all funds cleared for purchase in my bank. The company did n't bother to call me after driving 4 hours to close on the home, it was very damaging to my credit i have taken a large hit because of this deceptive practice. I arrived at the home of my dreams talked to the agent and inspected the home before providing title company with down payment, and to my knowledge i was the victim of mortgage discrimination there was not reason why my loan would be denied according to the loan officer 45 days prior, which was more than enough time for underwriting to verify docs to make an offer, I also have emails that prove that this was not just a pre-approval I was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
Chex system actually wrote back to you and lied. 
The police said that there is no shelf life or expiration date for a police report when it contains similar offences over the course of years to follow. Check system seems to want to feel that the police should do things differently and that what they like. The law clearly states that I need to file a complaint with them that the information is fraudulent and they have no more than four business days to block it. If they find they blocked it and error then they can add it back. The police do n't have to do their job and I do n't have to do their job I 've done my part according to the law of the fcra section 605b. I 've complied with that and they have broken that law. Please write to them with this complaint and tell them they can not rewrite the laws because they want it that way petitioner Congress people and have the Congress people rewrite the laws but they have to follow the laws as written. And there 's no shelf life for police reporter investigative report for ID theft and they 're absolutely is no leniency if they do n't react within 4 business days. We 're talking years now and they still have not complied at all. Have them answer to these charges because they are a XXXX percent factual. I 'm a victim of identity theft the court found that and the police found that I do n't have to constantly defend myself because an agency does n't want to follow the law. Have them remove this information immediately. XXXX XXXX XXXX Bank and XXXX XXXX XXXX. After the police report was concluded XXXX Banks tried to take me to court saying that I was using an alias and they lost. That 's the dismissal that was voluntarily done by the XXXX Banks. So much for the shelf life of a police report because this was the next year. I did n't have to file a new police report the courts accepted that XXXX from XXXX this dismissal was XXXX. The letters that have gone out for my attorney to these entities are dated XXXX of XXXX and they do n't feel I need to file a new police report because the police do n't want it and they know the law too. Check systems needs to be called out and have them follow the law they ca n't rewrite the law because they want to and they do n't like it. No argument they make is valid at this time unless the law gets Rewritten. Act according to the law ChexSystems not what you want the law to be.

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 2016-06-10 00:00:00
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: BOK FINANCIAL CORP
State: FL

Complaint narrative:
I have banked with Bank of Oklahoma for almost 30 years. About 10 years ago I opened a Representative Payee account for my mentally challenged daughter. I have now moved to XXXX from XXXX but my daughter chose to stay in XXXX. I pay all her bills by check or Visa debit card from XXXX. My daughter is capable of living by herself but she has issues with money. Social Security is aware of the situation as I have met with them and they have no issue with it. Last year I had some checks stolen. I called the manager of the branch I always have delt with. I spoke with the manager and he closed the account and opened a new one for me by phone. About 2 months ago I get a call for a new manager at that location. He tells my daughters account is frozen and I cant get to my daughters money to pay her bills. He said the Legal Dept says the account was set up wrong and they need proof of me being her representative payee. I told them that this account had replaced another account but they refused to even check the old account. So I faxed XXXX-XXXX different papers because they kept saying they needed more. Then the manager told me that Legal Dept questioned whether I could take care of my daughter from XXXX. I told them that is not their business. I told them that social security had no problem with it. He kept arguing with me so I was so upset at being treated like this for a long term customer. I told him I have to have access to my daughters money now. I told him to close the account and mail me a check for the monies in the account. I opened an account for her in XXXX. It two weeks to get that money. I am XXXX and on a fixed income. This has caused a hardship for me and my daughter. Ive had to try to pay her bills out of my small fixed income. The stress of all this has made my health issues get really bad. I am also in the process of switching my personal account to another bank and will be closing that account also. I have always felt Bank of Oklahoma had awesome customer service that 's why I stayed with them all these years. But obviously that is not true..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I authorized a credit card purchase of {$500.00} through XXXX using my BarClayCard on XXXX XXXX, 2015. I now see that they charged me interest and a cash advance fee for the purchase. This was not a cash advance fee. I believe that because I am using their special promotion of 0 % interest for 2 years, they are trying to get some kind of money out of me. I did not authorize a cash advance on my card and nor would I. They told me I needed to speak to XXXX, which I did on a XXXX call with Barclaycard. XXXX clearly stated that they charged my card as a credit, not cash advance. I believe they should refund my almost {$50.00} worth of fees for this transaction as they can not produce a disclosure stating I would be charged a cash advance fee for this transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
On XXXX XXXX, 2015 around XXXX this morning I contacted FMS debt collection regarding a debt I have from an apartment. XXXX gave me the information of what I owed. I later asked XXXX, can I settle the debt, and he stated that the " XXXX XXXX '' does not take settlements. I said, well if I pay half would they settle? XXXX responded, they will only take settlements if it 's close to what I owe. I then asked XXXX could this be removed from my report if I paid it in full, XXXX response was " Nah ''. I responded to XXXX " nah or do you mean no ''? He then replied to me in an ill-mannered tone and said you are being sarcastic and you need our help. Furthermore we will take legal action upon you. I asked him who was the manager, XXXX replied, I am. I asked him who was his boss, and he said the owner of the company. He also said that he will not give me his information because the owner does not talk with the debtors. He then slammed the phone in my ear. I then called to speak with XXXX XXXX XXXX, Operations Manager and I was told she no longer works for the company. I asked for XXXX XXXX XXXX and he said he 's not in this office. I then proceeded to call XXXX XXXX and left her a message at XXXX on XXXX XXXX, 2015. I have yet heard a response from anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BOK FINANCIAL CORP
State: FL

Complaint narrative:
We started the refinance application process in XXXX XXXX 2015 through XXXX XXXX /Bank of Oklahoma XXXX . All moved along with positive feedback and we were told that the mortgage should be approved without an issue the week after everything that was required was received and reviewed. The following week, last week of XXXX, we were informed that the underwriters do not believe the appraisal that they set up because it was a high value in the state of Florida. We asked to borrow not even half of the appraised value. We are informed that the reason that our mortgage is not approved is because they did not believe the appraisal. We feel that XXXX XXXX / Bank of Oklahoma XXXX has nothing to base this rejection on and they are discriminating against Florida residents. We wasted time and money going through this process all because the companies underwriters do not believe their own appraisal. We do not understand the risk involved and nobody can explain it to us, the unapproved loan on an amount less than 50 % of value does not make sense. Not one person has been able to explain the risk involved for the loan amount requested on this property. We were only told that the appraisal is too high and they will not approve it. We must start the entire process over with another Mortgage Lender. If they have an issue with Florida they should be up front and disclose their Florida State paranoia and have us go to a mortgage lender who does not discriminate against residents of the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
I would say about 6 years ago maybe longer I messed up on a bank account XXXX for {$320.00}. I got contacted by the collection agency about 2 years ago and settled the acount to I think {$250.00} and paid it. Today I tried to open up with a credit union givin the fact I have had my bank account now in good standing for 2 years. They denied me for being in chexsystems for the account I had already paid off. I wish to have it marked as paid or settled or taken off or something becuase it is tarnishing my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 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: A.R.M. Solutions, Inc.
State: FL

Complaint narrative:
XXXX mistakenly send me to collections. This situation was resolved with XXXX XXXX. XXXX XXXX informed the collection company that this was resolved. I continued receiving collection notices. I requested documentation from XXXX XXXX that this was resolved. I have a letter from the collection company, dated XXXX/XXXX/15 that the account was closed. I received another collection letter dated XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Debt Management Solutions, LLC
State: LA

Complaint narrative:
the caller stated that he has made several attempts to contact me and that I need to call him back asap or legal actions will take place against me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: LA

Complaint narrative:
Conn 's repeatedly calls between the hours of XXXX - XXXX cst. I have counted today XXXX XXXX, 2015 8 received calls from their bill collection department both human operator and automated. Within the past 4 days I count exactly 27 calls from them. I 'd like to see restrictions imposed and fines if deemed necessary, I do n't think they realize that calling as often as they do will not materialize money to pay them with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My wife and I received about {$10000.00} in XXXX work from XXXX XXXX XXXX in XXXX, Fl. We were told if we signed a Care Credit Agreement that our payment would be {$420.00} per month with no interest for 24 months. Our statements were delivered electronically. I called them today and found out my balance was {$1000.00} because they had charged {$950.00} interest. {$580.00} XX/XX/XXXX and {$370.00} XX/XX/XXXX. They said they charged thge interest because the promotion periods had expired. I was told by XXXX XXXX that by paying {$420.00} per month there would be no interest. I was not told about promotion periods. Looking online I see where the CFPB ordered GE Care Credit to refund XXXX for Deceptive Health-Care Credit Card Enrollment. GE owned Synchrony Bank / Care Credit is doing the very same thing. The have adopted the same deceptive practices. Help please. XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
diversified consultants has repeatedly called my cell phone number looking for someone with my same last name but not my first name. when I pressed the customer service rep as to how they got my name she said " we use an " auto dialer '' and a number pops up on my screen. I do n't do any research or have any information on the debt. We have technology that says this might be the right number '' She advised that she could n't remove my number from their system or tell me anything about the debt since my first name was different. 

Using Auto dialers is ILLEGAL and they should be stopped and fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XXXX/XXXX/15 I signed-up for a Wyndham Rewards Barclay Card as part of a Wyndham time-share program I purchased. The Barclay VISA credit card was used for the down payment. The terms of the Barclay agreement I received that day said 0 % APR for balance xfers for 45 days after opening account. When I received the credit card about two weeks later in the mail, the balance xfer terms were 0 % APR for 0 days after opening account. The online account also says 0 % APR for 0 days after opening the account. This is an error I would like to get fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I am a XXXX veteran, I do n't expect any special treatment for that but I want to let both you and anyone else know who may have a Barclaycard account or may be considering it just how they are. I have attached a history sheet with my own personal encounters with this company and I hope you provide some way to download it. Long story short I have been with this company since XX/XX/XXXX I started out with a XXXX credit line it was increased in XX/XX/XXXX to XXXX this only lasted 9 short months at which time in XX/XX/XXXX this line of credit was decreased after the card was paid in full to XXXX this affected my credit score they could not provide me with any reasonable for this action from the period XX/XX/XXXX thru XX/XX/XXXX they received a total of XXXX in payments from me. Again in XX/XX/XXXX the credit line was reduced now to XXXX and again after talking with them they were not able to provide me with a logical explination. This action again affected my credit score. They referred to XXXX Report as to their reasons my report reflects a XXXX score with XXXX accounts all on time payments and XXXX of them are paid in full.??? also my min payment due this month was XXXX they received a XXXX payment processed thru my bank on XXXX as instructed by me this is within their billing cycle but they are still insisting that the minimum payment is still due so this is not the first time this has occurred either can you see a pattern I can. These people should not be able to operate this way and get away with it if myself and my fellow veterans acted this way XXXX. I do n't know if you can do anything but I can hope you get a better resouloution than I did

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 2016-07-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Over the course of the last two months, I have received XXXX department store credit cards in the mail for which I have accounts with but the names on the cards were not mine. Perhaps coincidentally both department stores ( JC Penny and XXXX ) are now serviced by Synchrony Bank. After speaking with Synchrony, they indicated someone tried to charge amounts on my card utilizing my SSN but the 'system ' rejected the charges and the account ( JC Penny ) was put on hold in early XXXX 2016 unbeknownst to me. I have been a victim of identity theft for over twenty years and continue to be amazed how easy it appears to be to obtain credit utilizing a name that does not match a SSN given all the new rules and requirements put in place. I asked Synchrony if they have had a recent data breach in which my account numbers and SSN were compromised and at that point the individual stopped providing information/insight. I would like to know the following 1 ) did Synchrony have a data breach recently, 2 ) how they let someone other than myself to approve adding a name to my account and 3 ) why the individual that requested the additional card is not being prosecuted for Credit Card fraud.

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