vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
I filed a complaint and got nothing but double talk to confirm my feelings I called the XXXX XXXX XXXX and yes the resentative said the response made no sense ... they said I would start receiving monthly in XXXX I have not ... they did not answer my question in regards to why they are not reporting to the credit brue ... now they are making suggestion that I short sale my home I am 1 and a half months behind and am confident I will be able to catch up and the fact is I have substantial equity and do not qualify for a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Servis One, Inc., Titusville, PA Branch
State: MA

Complaint narrative:
XXXX XXXX sold my loan to BSI Financial and I am trying to pay off my loan. I can not get anyone at BSI to cooperate. My new loan is now stalled awaiting their reply to my repeated requests for a payoff of this loan

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 2016-08-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: 21ST MORTGAGE CORP.
State: WI

Complaint narrative:
When I applied for a loan with 21st Mortgage, the loan officer advised me that I needed to apply a different way and told me to do another app. Later I found that they ran a hard credit inquiry twice, one day after the other rather than referring to the first one. These hard inquiries are still affecting my credit score so I asked them to make a correction on my credit file and remove one. They were uncooperative and said I should have talked to the loan officer. The loan officer is exactly the person that told me to do this and caused the problem in the first place! Can you help please?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
My card was closed by Blackhawk and they are taking their time getting the funds back to me. I have submitted all the docs that they need, yet it is taking them a long time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
XXXX XXXX you do not address any of the other issues as online access. As well I am happy to print out copies of phone calls to show you how many times I have called XXXX as well we can set up a meeting so I can play you every recording of voicemails to XXXX and any voicemails he left me. The vagueness of your responses is ridiculous. The other item is who is doing your loan Mods and decided I had I had excessive obligations. That is funny because I do have XXXX to pay and I do not agree with all of so called fees you are trying to charge on top of that. As soon as I was going to pay your Reinstatement and I told you in writing I appealed my loan mod denial on XXXX/XXXX/16 I received on XXXX/XXXX/16 that my paperwork was received. Instead of letting me reinstate by XX/XX/XXXX BSI violated CHBOR by dual tracking and not looking and sending out anything on my appeal. I sent my appeal within 27 days and BSI never sent out anything on denying my appeal or having someone else look at it or requesting any other info. XXXX XXXX also have email I sent him on XXXX/XXXX/16 requesting that I was appealing as well as voicemail that day. Instead you had a company and use incorrect information violated CA laws of dual tracking and filed an NOD on XXXX/XXXX/16 which I was notified about on XXXX/XXXX/16. I will be paying what is owed on back payments of mortgage but I will not be paying your fees that you are trying to charge. Nor can you foreclose due to your fees which I am disputing in the excess of XXXX!!! I will take that to court and as I stated have a lawyer and all the proof I need on these violations so BSI will be paying for their violations as well as your XXXX falsely trying to foreclose on CA homes and then flipping houses is entirely unethical and will be proven

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Integrated Recovery Services
State: WY

Complaint narrative:
XXXX XXXX XXXX, gave me a call saying she is a court mediator XXXX fraud cases filed against me in XXXX County the county in which I live. 
Advisor I 'm not familiar with this debt and believe it may have been fraudulently done by my ex had access to my bank account but I do not know that for sure and to send me information and verification of debt as I 've asked many times from the same company, I 've been dealing with this company for a year and have still yet to get any verification of debt. 
She said if I did not pay the settlement amount of {$160.00} today I would be served within 72 hours and if it was my ex has filed it that 's not that I am still the financial person on there and need to pay this debt today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ZARVAD III S.A.
State: NV

Complaint narrative:
I have been paying {$180.00} a month through direct debit withdrawal from my checking account for several months on a {$600.00} loan. The {$180.00} a month was an " Extension '' that I thought was installments to satisfy the original loan. This company has received {$2000.00} in fees on a {$600.00} loan and I still have a balance due. They did send me a contract that I agreed to in haste and did not clearly understand. Although I understand payday loans, how is it fair business to charge this amount on a {$600.00} loan? This equates to over 300 % interest in just an extension fee??? There should be a cap on what they can charge you for fees.. {$180.00} a month as an " Extension Fee ''!! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XX/XX/XXXX my daughter and I traveled to the XXXX Clinic from NJ. While there, for the first time, I opened an XXXX acct with my TJ Maxx credit card ( Synchrony Bank ). We used the service several times for which I paid in full. During the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the XXXX acct was used fraudulently running up over {$800.00} in charges. I reported the fraud to Synchrony and they opened an investigation. After 3 months I began receiving calls from Synchrony saying my account was delinquent. Again I called to say this was fraud so they opened another investigation. Once again after several months I received a call from Synchrony to say my acct was delinquent. Yet again I went through the Fraud Dept and the Investigation team. I was told my fraud claim had been rejected because I did business with XXXX therefore it was my responsibility to contact XXXX with my fraudulent claim. I have attempted to contact XXXX without success. There is no telephone number nor address to contact. On the their website a web address is provided XXXX. I have in vain sent info describing this incident. After submitting it a several days later a notice comes back saying that it was not received. I can not begin to tell you how many times I 've tried to submit the information to them. In the meantime I have been sending money to Synchrony to protect my credit worthiness. It occurred to me that perhaps Synchrony had a contact that they communicated with or perhaps they also had the issue I was experiencing- not being able to contact XXXX. Today, XX/XX/XXXX, I received a phone call from Synchrony advising me that my account is past due. This time I asked Synchrony to show me actual proof that they did contact XXXX and if so I would like that info so I may get in touch with XXXX. After being switched to the third individual I spoke to XXXX who was an account Manager of Fraud Investigation. Donie was agitated and could not answer the question : who did Synchrony contact at XXXX? I need proof. XXXX said that info was not provided. XXXX said Synchrony had asked me to provide new information. I explained I was never asked to provide new information. Specifically what are they asking for. Once again XXXX could not provide answers. XXXX said this was my responsibility and the investigation had concluded. I asked to speak with a supervisor to which XXXX responded there are no supervisors. I asked for an employee id number to which I was told there were none. I challenged that so XXXX gave the following # XXXX. After 43 min of being on the phone I was put on hold and eventually disconnected. NEVER WAS I INFORMED THAT I COULD CONTACT CFPB IF I DIDNOT AGREE WITH THE CONCLUSION OF THE INVESTIGATION

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 2016-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I went to the bank to open an account and was not able to do so because Chex system inc. was reporting incorrect information about me. I contacted chex system XXXX 2016 to dispute the incorrect reporting and to date I have not received any response from them. I know they got my letter because it was sent certified mail with return receipt, and someone from their office signed when they got the dispute letter.

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 2015-11-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This is a further complaint in reference to complaint # XXXX. I submitted a complaint against Capital One on XXXX/XXXX/2015. On XXXX XXXX 2015 I was contacted by someone who identified himself as XXXX stating that he was looking into my complaint and hoped to have an answer for me by Friday ( XXXX XXXX ). As of XXXX XXXX I had not heard back from XXXX, though I did leave a message on his voicemail. On XXXX XXXX I received a telephone call from a woman who wanted to know when I would pay them. I explained to them the issue and that I wanted a resolution before I paid them but that if the issue reached a point where they absolutely needed money to let me know an I would take care of it. The following day I received another telephone call from Capital One demanding money. The person I spoke to had no knowledge of the complaint, and admitted they had not read the notes on the call before speaking to me. I explained the situation again. She asked if she could transfer me to a supervisor. After XXXX minutes ( literally ) on hold I was put through to someone who identified themselves as a supervisor. I explained the situation to him. He claimed that the auto-dialer did not give the employees time to review the account before it called my cell phone. He told me that I may still receive telephone calls every day. I told him that I felt they were harassing me because I had filed a complaint and that if I was going to have to do Capital One 's job they should give me money. He said, " that ai n't gon na happen. '' I then heard nothing from Capital One. My mother received a message on her answering machine ( she is not the borrower or an account holder ) that cryptically stated, " things have changed. '' I called Capital One ( XXXX direct line ) and could not get an answer. She returned there call and they said they were just automatically dialing her number, though they still did not apologize for unlawfully removing money from her account. I feel that I am being intentionally harrassed because I filed a complaint against Capital One.As of this writing I can not get through to a human being.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I purchased a computer bundle and a XXXX inch TV back in 2014. The salesman sold me insurance in case if the items I purchased broke. My TV 's screen broke. I called Conn 's, they sent someone to check the TV. It could not be fixed. Through XXXX, I was able to work things through. I was told to go the store here in XXXX to get my TV. When I went to the store, I was told the TV was discontinued and could not get it anywhere else. They told me I had a little over XXXX to get a TV. As I looked for something that would be acceptable, the salesmen where trying to convince me to buy something bigger. I picked a TV that was less than was given. The difference in price which I expected to be applied back to the account, the manager denied. 

I waited to get the TV, The TV they brought was not in a box and rapped in plastic paper. " for protection '' I asked him what was that, he said it was the TV I picked. I was informed that TV was also discontinued and that was the TV on the floor. I told him I was not going to take that TV home and left. 

Through many calls to XXXX, I decided to get the replacement TV. A different salesman helped me. I picked one and went to get the paperwork done. I was informed by the salesman that in order for the TV to work I needed a special cable which cost quite of bit but they had this package which included the cable and the mounting kit to put the TV on the wall. I said ok. 

AS THE SALESMAN WAS DOING THE PAPERWORK, I TRIED TO PAY IN CASH FOR THE MOUNTING KIT AND HE SAID HE COULD NOT TAKE THE MONEY. NOT ONCE HE SAID IT WAS A NEW ACCOUNT. AT THAT TIME HE INFORMED ME EXTRA CHARGES AS ADDED TO THE ACCOUNT WHICH INCLUDED INSURANCE FOR THE DURATION OF THE LIFE OF THE ACCOUNT IN CASE THE ITEMS WERE STOLEN AND OTHER CHARGES. HE SAID IF I HAD HOME OWNER 'S INSURANCE, I WOULD BRING IT TO THE STORE AND THE EXTRA CHARGES WOULD BE TAKEN OUT. I TOLD HIM WAS NOT AWARE THEY DID THAT. HE INFORMED ME IT IS ALWAYS DONE. 

I HAVE HAD MANY ACCOUNTS IN THE PAST 12 YEARS AND NOT ONCE I WAS INFORMED OF THESE CHARGES. I HAVE HAD HOME OWNER 'S INSURANCE FOR 15 YEARS. 

TODAY, I CALLED CONN 'S BECAUSE I WANTED TO REDUCE THE MONTHLY PAYMENT. I WAS INFORMED I COULD NOT REFINANCE BECAUSE MY ACCOUNT IS NEW. IT WAS MY DECISION TO INCREASE THE PAYMENT TO {$200.00}. IT WAS NOT THE AGREED AMOUNT WHEN I WENT TO CONN 'S. I DID NOT AUTHORIZED THE SALESMAN FOR A NEW ACCOUNT. I WENT TO PICK MY REPLACEMENT TV. 

CONN 'S STORE IN XXXX XXXX STOLE FROM ME BY WITHHOLDING INFORMATION THAT WOULD DECREASED MY DEBT. I HAVE SPENT COUNTLESS HOURS TRYING TO GET ANYONE TO SOLVE ALL THE ISSUES WITHOUT SUCCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I opened a U.S. airways credit card about a year and a half ago. 

1. I never received my original card. I never activated my original card. I forgot I ordered the card because I never received it or activated it. 

2. I received an overdue bill for the credit card. I accrued a late payment charge because the card had an activation fee of around {$100.00} dollars, and thus started with a balance. 

3. Upon receiving the overdue account notice, I immediately called Customer Support, and told them I never received the card. I pay the orginal {$100.00} activation fee to clear the balance. They sent me out a replacement card, and I was assured that the late fee would be reversed. 

4. I receive my card in the mail in the mail and decide not to use it because of the poor experience. 

5. A few months later, I check my mail and find another late fee on the account. It turns out they never reversed the original late charge! I now realize, I have been racking up late payments for a credit card that I never even activated, and had spent {$100.00} out of pocket for the privilege. 

6. I call customer support for a second time I document the customer support call record this time : & lt ; NUMBER & gt ; They apologize profusely and tell me they 've successfully reversed the charges. I have her check the credit bureau to see if this dinged my credit history. She insisted that she talked to her team member and fixed my credit, by retracting their report. 

7. I check my old e-mail account and see ANOTER LATE PAYMENT e-mail buried in my inbox. This could have was from a 'Barclays card ' which, apparently, my old U.S. Airways card had magically turned into. 

8. I am livid, I escalate this request and reference the customer number, I am connected with a senior specialst and I stay on the line with her while she reverses is all of the charges. She is astounded when she finds out that these late payments were generated by an account balance of XXXX cents. How that XXXX cents got there, I have no idea, because I was told that all charges were reversed and there was a XXXX balance. She is angry that one of her customers has to deal with this, and is confused as to how or why the XXXX cents was in my account as I had a zero balance after the last horrible experience. 

9. The customer service agent reverses each charge one by one and closes my account. I think I 've finally resolved it. 
10. Now, months later, I check my e-mail and see ANOTHER LATE CHARGE NOTIFICATION FROM them. I have lost, time, money, and maybe even my credit score. 

11. This is my story. I posted this to the Consumer Protection Bureau and social media so the public may be aware of the abhorrent business practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
my wallet was taken and I had my pin written down on a piece of paper someone used my debit card along with information on my drivers license to cash a counterfeit check into my account. XXXX XXXX XXXX honored the check without positively identifying if the person was me. I filed a claim regarding identity theft but the did n't honor in my favor because my in was used. I do n't think that was fair because I did n't expect anyone to steal my wallet and I did n't expect XXXX XXXX XXXX to not be more careful identifying me before cashing a check from a name, state and place, that has never been used in my account before, based on activity in my account you can clearly see that my account was used for direct deposit from my job. please help me I need a bank account and this is preventing me from getting XXXX anywhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed that a credit card company reported my account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately. 

According to section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
On XXXX/XXXX/15 I made a settlement agreement in the amount of {$3300.00} with Selip and Stylianou LLP. I agreed to pay this debt once the settlement agreement was received in writing. I did not receive the settlement agreement until XXXX/XXXX/15 and on that same day i mailed a personal bank check in the amount of {$3300.00}. via certified USPS mail. Later on in the afternoon of XXXX/XXXX/15, I went to the ATM to withdraw money and it was then i learned that Selip and Stylianou LLP had placed a levy on my bank account and despite our settlement agreement 3 days prior. I also learned that after my account was levied they illegally withdraw {$1300.00} from my bank account knowing the settlement check in the amount of {$3300.00} was on route to them. Since this time, I have also received notice from my employer that Selip and Stylianou LLP served them with garnishment papers. Prior to the settlement agreement, my debt with selip and stylianou LLP was {$4900.00}. If you add the {$1300.00} that they withdraw from my bank account + {$3300.00}. settlement check, the total that I paid out was {$4900.00} which is {$1300.00} more than the agreed upon settlement that I have in writing. I am requesting a refund of {$1300.00}

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 explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I was suggested this card from my dental care. As per their suggestion, I applied and was charger for my service. I was making payments in time for past one and half years. For last three months, I dint receive any statement. I was contacted by their reps and informed that i was running behind my payments. I informed that, I will make a payment after I receive the statement. After two days I received the statement and was charged XXXX interest of XXXX balance. I offered them to pay all my remaining balance which is XXXX but informed that I am not making interest which sounds ridiculously high. And I do n't think it was my fault since I dint receive any statement for past 3 months. It looks to me that they intentionally dint send the statement so that they can force me to pay unjustifiable interest. I am ready to make a full payment but wo n't pay the interest. At this point I feel like they are palying fawl game. Please suggest us something that will help, I do n't wan to owe them money but still do n't want pay fowl interest which was introduced later on.

Company response to consumer: Closed with monetary relief