vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-24 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Missouri Loan Center LLC
State: MO

Complaint narrative:
In XXXX of 2015 my adopted mom asked me to co sign a title loan for her. Knowing the title loan has a high interest rate I really did not want too but did. She took my paycheck stubs to the title loan place without me being present or knowing what 's going on. I was under the impression the loan was XXXX. By doing this she is now over XXXX. 
Sunday XX/XX/2015 I have a letter on the door.inside this letter was a contract for XXXX XXXX 2015, it has my signature on it, clearly this is not my signature. Then here 's the letter, my name is totally spelled wrong. The tell me in the letter anything over XXXX is a class D felony and I need to take care of the payment in the amount of XXXX. This to me is they are trying to strong arm me into paying. Which I 'm not going to do. If they take the vehicle they take it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
I made contact with XXXX XXXX XXXX who is operating as the " attorney '' for XXXX XXXX ( A subsidiary of XXXX XXXX XXXX ). I tried to discuss the recent consent order that was issued by the CFPB to let them know that the default judgment that they obtained and the payments that I am currently making are a part of the order. I know that they have time to address the Consumers but I was just trying to get a copy of my payment history so that I can close on a mortgage. They were not willing to cooperate with me, said that I have defaulted on the payment agreement, and were rude for no reason. I could not get the legal staff on the phone. What are my options as far as the Consent Order goes?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Professional Finance Company, Inc.
State: GA

Complaint narrative:
Professional Finance Company is attempting to collect debts for XXXX and XXXX. I have never received validation of this debt, nor any proof that this debt is actually owed and I am responsible. Furthermore, for it even be possible for this debt to be mine, PFC would have engaged in re-aging. Re-aging is a violation of my consumer rights and the FCRA. Collection companies participate in this act to maximize their collection time. Failure to validate this debt is also a violation of my consumer rights. PFC can be held liable with fines for such activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
They have reported false information on my credit reports with ( XXXX, XXXX and XXXX ) that I paid in full with them {$1000.00} and they collected on a debt. That information is incorrect. I never paid them nor the amount they reported on my credit report. If I paid them directly ; they need to provided the means of payment ( check, credit card, etc ) receipt. I never spoke to anyone or neogitate settlement payment with anyone at this collection agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Bliksum, LLC
State: CA

Complaint narrative:
XXXX at XXXX NY XXXX is calling my place of employment over and over re a debt they say I owe LOANME INC. I verbally informed the rep to not contact me at work and she rudely and forcefully insisted she could and proceeded to call 2 more times getting me in trouble. I then faxed a cease and desist letter also and they still called again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 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: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Original creditor is XXXX. I joined XXXX ' in XX/XX/XXXX. The agreed upon terms were a forgiveness of the original debt and removal from my credit files from all three ( XXXX, XXXX, and XXXX. ) The Collection Agency is Credit Protection Association of XXXX TX. I met XXXX terms in XX/XX/XXXX. It is now 15 months later and Credit Protection is still reporting this debt as 'OPEN ' unpaid on XXXX . They are reporting this debt as 'Closed ' paid on XXXX , and XXXX. They HAVE NOT removed the debt from any of the credit files, as per the terms I agreed to with XXXX originally. I have been declined credit recently because of this inaccurate reporting, reason stated 'Collections ' on your credit report. 
I have contacted Credit Protection Association twice via email, and numerous times by phone and have had no response from them. No one ever returns my communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP.
State: NM

Complaint narrative:
21st. Mortgage has been sending my house payment back to me each month no matter how I make the payment. Then I get a letter letting me know there will be a XXXX dollar late fee. Upon calling them to try and set something up so my payment gets to them any way they want they tell me I have to make 6 payments myself before they can or WILL set any form of auto payments up. Basically I call them to find out why my payment was returned to me and they just cuss me outt telling me there was no payment made!! I tried going over the persons head to see what could be done but was told they did not care I HAVE MY credit union paperwork showing my payments were made and returned!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
XXXX and their debt collection company Credit Protection Association continue to report a debt on my credit report at all XXXX agencies despite this account being reported as opened via identity theft in XX/XX/2016. A police report was also sent to Credit Protection Association in XX/XX/2016. They continue to report this debt as in collections despite being in receipt of dispute documentation. XXXX also did not attempt to contact me or send any written notice of collection in advance of sending this debt to collections. They are both non-compliant with Fair Credit Reporting Act requirements.

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 2016-11-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Access Capital Services, Inc.
State: CA

Complaint narrative:
I 've been trying to get this collection of my name or get it paid! I tried to dispute it but it know shows that this company sold it to a third party and its showing on my credit report as a recent collection of 90 days with a balance of XXXX my original creditor was city of modesto with original balance of {$350.00}. when they decided to sell it to this third company they decided to put it as a new collection that just open in XXXX of 2016. I 'm trying to fight this collection because its not a recent one and the information is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Solutions, LLC (KY)
State: LA

Complaint narrative:
I paid a XXXX bill XXXX of {$200.00}. I lost my receipt. I went back to the XXXX office here in XXXX and was told they could not give me a copy of what I had paid. The bill is still showing as not being paid on my credit report. The debt is listed as being in XXXX account number XXXX.Tthey are telling me I have not paid this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Multiple calls says it 's in regards to a " financial matter '' Message says that it is for XXXX ( XXXX ) not my last name " XXXX '' When I attempted to call the number XXXX to have me removed from their call list I reach a voice prompted dead end. 
the call is from XXXX reference # XXXX my phone number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
This is my XXXX complaint for BSI Financial. Per my previous complaint BSI stated my hazard insurance was n't supposed to be in escrow. They corrected that with my previous complaint, and now my hazard insurance and taxes are now in escrow. They are now charging me a monthly escrow amount of {$120.00} for my tax and insurance which is understandable, however they are also charging me a additional monthly shortage of {$190.00}. When I called into BSI Financial I was advised by XXXX XXXX that it is a " cushion ''. I would like to know why I am being charged an additional {$2300.00} as a " cushion '' for my taxes and and hazard insurance when my and taxes and hazard insurance only total {$1500.00} for the year.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
We received a loan modification from 21st Mortgage. We made XXXX of the XXXX while working with them to verify the amounts they claimed were due. The loan modification says specifically that the amount of the escrow is subject to change, and we were negotiating that figure from the outset. Today we received a letter saying that we rejected the loan modification when that is blatantly false. We were negotiating the correct amount of the escrow. In fact, part of what was in escrow was amounts charged by XXXX, who notified us that those amounts were fraudulently charged, and refunded us a small portion of those charges by a class action lawsuit. 21st removed all the charges but taxes and we were negotiating on our claim of slander of title against the amounts of the escrow. Our point of contact XXXX XXXX is travelling and his auto-email notification says that he is not available until XX/XX/XXXX, so I called to his office. I was told by his assistant that so long as our payment was received before the end of this month, we would not lose our loan modification. Now 21st is saying they are going to return our loan modification payments and try to sell our home. HELP. We do not want to lose our home or our loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
The following company known as " Loan Me '' has be utilizing deceptive loan practices in effort to register and sign up clients. My husband and I each applied for a loan with this organization as we were advised that by taking out the loan it would be reported to all XXXX major credit bureaus. After several months of making our payments on time when we pulled out credit reports we learned that Loan Me was no where to be found. When my husband and I called to discuss the issue, we were advised by a separate representative that Loan Me only reports to XXXX. We XXXX complained advising that was not what we were told when we signed up and that we each had the intent on fighting them for deceptive practices. In return the representative on the phone advised it did not matter if we reported them as they did not have to adhere to Federal Banking Laws and that my husband and I had no choice but to continue to pay the loan. This is negligence as even in the contract listed is states the agency will report the the " bureaus '' not " bureau '' or even lists the bureau in which they plan to report too. During the signup process my husband and I were mislead into thinking we could use this service as a way to rebuild our credit and now are refusing to repay back this loan until this matter is investigated further for the gross negligence and misleading products and services being offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: TFS FINANCIAL CORPORATION
State: IL

Complaint narrative:
My daughter an I applied for a mortgage with Third Federal Bank. We hold joint title to the property which she occupies as her primary residence. Third Federal was duly aware of the occupancy situation and that I did not reside at the residence. After subjecting us to the application process and collection of documents, they declined the mortgage based on the reasoning that I would not be residing at the residence ; clearly a fact that was made apparent when we first talked to them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
I think I disputed account but not 100 % sure. I do know that I never received any communication from collection agency ( certigy ). I did receive communictions from a different collection agency asking for payment on XXXX returned checks from XXXX which I paid XXXX 2013. Certegy is reporting that the account is open and that I have XXXX late pays. Certigy should be reporting acct closed and no late pays. I never set up any payment plan with Certigy or first collection agency that was assigned my account. I also requested validation and received no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 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:
Good-afternoon, I am submitting a complaint on Chex-systems because on or about XX/XX/XXXX I requested a Chex-systems report online because of an identity theft issue that I have. I reviewed my report and found a fraudulent account that was established in my name for the sole purpose to apply for a credit card in my name with XXXX XXXX, because if you are not an existing customer they require for you to apply in person. The identity thieves established this account and the account went in to charge off status once they used the credit card and deposits were never made to the account. There were also a list of fraudulent inquiries with several institutions they are as follows XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. The last time that I applied for a checking account was with XXXX XXXX XXXX which they have been my bank since the merger of XXXX. I sent in a fax to Chex-systems with XXXX different police reports that were filed on separate months because of the continued theft against my personal information. I have had a lot of frustrations with this issue as it has been my responsibility in contacting each institution and notifying them of the theft. I am filing this complaint and attaching a copy of what was sent to chex-systems by fax, in hopes of clearing my name from any negative reporting and inquiries that have resulted from the fraud that has been committed against me. My file should be reporting free of any charge offs and no inquiries against my report as i have not applied for a checking account since XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT

Complaint narrative:
First I never received a notice of rights to dispute. The only letter I received said that I owed a debt and I could no longer write checks at all and had to pay this debt plus a fee. The address they had was incorrect and not where I live and I have not lived at the address in over 4 years. In order to be able to write checks, I sent in a post dated check to this company. I post dated the check to reflect XX/XX/XXXX. The company cashed this check XX/XX/XXXX. Due to this I received about {$200.00} in over draft fee 's because of them posting a post dated check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I received a XXXX gift card as a birthday present. Upon use of this XXXX gift card for {$150.00} the card was declined. I called the number listed on the back of the card and spoke to a representative who proceeded to tell me she was unable to find the card number. I then provided the serial number from the back of the card and she did pull up my card. She then proceeded to tell me she was sending me a replacement card and I would receive it within XXXX14 business days. I requested expedited shipping and this was not offered or provided. I requested I speak to a supervisor and during the extensive hold she placed me on the call was answered and immediately disconnected. I then called back and proceeded to speak to another representative who stated she was " resolving my issue ''. She confirmed the card had been sent and stated it would only be up to 10 business days and requested I be placed on a brief hold while she " resolves my issue ''. After 45 minutes of hold time with brief interludes of " Thank you, I 'm still looking into this '' ; I requested I no longer wait on hold and requested a call back from Incomm corporate. She stated this call back would occur within 48hrs from approx XXXX XXXX. This callback never occurred, I then proceeded to call them today XXXX since no callback had occurred. They then told me I need the receipt or I need the store to print the receipt that they can find in their electronic journal and XXXX of my utility bills within the last 30 days. They provided me with an email address of XXXXXXXXXXXX with a reference number. I then called the sender of the gift card and found the purchase location to be XXXX in XXXX, RI and date. I called this XXXX and spoke with a customer service representative that stated she had numerous transactions from that date and wo n't provide me with a receipt without myself or the sender being there in person even though I have the serial number and and card number. I then again contacted the purchaser/sender of the gift card and he will be returning shortly to ascertain this document. I did want to start a dialogue with you about what seems to be going on here. From my simple research on XXXX gift card and incomm I found quite a few stories all leading to essentially theft of the funds purchased. I am working the get the receipt requested but since it was a gift I did n't receive a receipt with the card. Seems their strategy is to delay and make it extremely difficult to get the funds purchased. Case after case found with a simple XXXX search. I believe their is some larger fraud occurring here. I hope to pursue this complaint through the CFPB to some resolution with incomm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 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:
This is my second complaint against Chex Systems. I am a victim of identity theft and I have unauthorized and fraudulent inquiries on my Chex Systems consumer report. The following inquiries are unauthorized and fraudulent : XXXX/XXXX/XXXX/XXXX/XXXX/XXXX XXXX XXXX.

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 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
XXXX Bank alleged my Business Account was found on a known cyber criminals XXXX XXXX, so they closed the account and report to chexsystems under my personal social security number instead of the business XXXX " suspected fraud activity ''

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