vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have a XXXX XXXX CARD number XXXX recently this card have many problems, on XXXX XXXX they charged me XXXX $ + XXXX $ for a TOTAL of {$1000.00} for annual fees for XXXX XXXX CREDIT CARD, the last month BARCLAY decided to change without authorization the Card and my account to a XXXX CARD, I am not agree with this change and asked them to close my account an refund the annual fees. Now, they closed the account and told me that are " unable to refund the fees '', this is a fraud and its happening with many clients, please help. 
Thanks, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
We purchased a home and had a mortgage through XXXX XXXX XXXX. 
Late 2014 our home loan was sold to BSI Financial. 
With XXXX XXXX XXXX, we were never behind in our monthly payments. 
Before BSI even gave us a monthly statement, we recieved word that we were behind in our morgage. 
Furthermore, we did not recieve a morgage statement for XXXX or three months, so we made our monthly payments to XXXX XXXX XXXX in the mean time. This payment was some {$6000.00} dollars. 
THEN, BSI was given the money we had paid to XXXX XXXX XXXX, but instead of putting it towards the morgage statements for the months we had paid XXXX XXXX XXXX, they put that money into a PARTIAL PAYMENT ACCOUNT. This account was never linked with our " overdue '' account balance and perpetually showed that our account/morgage payments were " late. '' We have contacted BSI monthly. Weekly sometimes, asking " WHERE IS THIS MONEY?? AND HOW COME IT WILL NOT APPLY TO OUR MISSED PAYMENTS?? '' They simply tell us we are late. " WE ARE LATE. '' That is their answer. We ask how are we late when there is money to pay the late morgages, and they tell us " we are late and we need to be 'caught up ' before they can work with us. 
WE STILL HAVE NEVER MISSED A PAYMENT!! Yet we are always late because the money that we paid XXXX XXXX XXXX, which was then given to BSI, was NEVER APPLIED TO OUR MORGAGE. 
ALSO!!!!! We have a DEFERED INTEREST ACCOUNT that containes {$7900.00} and when asked what this money is going towards, and why it does not apply to mortgage, they WILL NOT answer the question. Repeat : THEY WILL NOT answer the question. 
BSI is hurting us financially and economically. We would like this money to be applied to our mortgage so we are " Caught up '' and not " delequent '' as they falsly state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
I made 3 trial modification payments to XXXX. I made a 4th payment XX/XX/2016. XXXX sold the loan to BSI. I was told that BSI would honor the terms of the modification. BSI stated that they were waiting to find out who was going to pay the taxes for the home, BSI or XXXX and then we would receive the permanent modification papers in the mail. On XX/XX/2016 the representative said I would hear back from him by the end of the week about the permanent modification being mailed out and the {$30000.00} which is in escrow. The escrow account is 3 times the amount that is needed for escrow. On XX/XX/2016 I called the company to speak with the representative and he is not available. It has been over 60 days since BSI received all the paperwork from XXXX. I still have not received the permanent modification from BSI.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 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: FL

Complaint narrative:
I received a letter from Credit Protection Association in XXXX regarding a debt that they claimed that I owed in New York on a debt that I am not familiar with. I responded to their letter within the 30 day period asking them to verify the validity of the debt. I did not hear anything from Credit Protection Agency until I noticed that my credit report showed a collection in the amount of {$10000.00} stating that I owe this debt. I have not received any documents to this date that this debt is mine and I do n't think they have the right to place it on my report, reporting a current opening date of XXXX 2015. Even the opening date on the credit report was placed on my report before I received the letter in XXXX.

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 2017-02-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: GA

Complaint narrative:
We have been attempting to modify our home for several years to no avail. I filed a complaint 6 month ago against my previous mortgage company ( XXXX ). After the complaint was filed they sold our mortgage to BSI Mortgage Company. BSI Financial Services offered us a modification that was 60K plus over the value of the property and wanted to attached a second mortgage also. If we were to undergo another hardship we would have to pay 60k plus out of pocket to sell the property. Reluctantly we could n't afford to be trapped in a mortgage that was up side down no knowing the future. After rejecting this proposal we were forced into a short sale option. We hired a agent and completed the process of submitting a contract to sell the property. BSI Financial services rejected the offer and now they are telling us that the property has a m sale date for XX/XX/2017. If we have a short sale option why is there a foreclosure date on property. We really want to keep the property but we are being forced out. Furthermore XXXX XXXX XXXX stated we would receive XXXX for relocation expenses which we would need to relocate. CFPB can you please assist us in the matter..Please & Thanks XXXX & XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX Loan # 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 2016-08-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
Dear cfpb, after the real estate market crashed in XXXX XXXX California in XXXX, my husband and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were brooke.. Our new jobs could not cover our credit card payments and eventually, we were default on all credit cards and mortgage payments. I had also used my XXXX card to pay my XXXX. So after I became default with my credit cards by XXXX and XXXX. XXXX sold one of my credit card debts to Nelson and Kennard Attorney at law / XXXX XXXX XXXX XXXX. And XXXX XXXX file a lawsuit and got a judgment on XXXX/XXXX/XXXX for XXXX. Since then they have aggressively taken money from my bank accounts various times leaves me without money to pay my modification mortgage or utility bills or groceries. They have continuously caused me tremendous pain and sufferings. It appears that XXXX have had some agreements with CFPB and state attorneys general. But because XXXX sold this account to the collection before coming to an agreement with CFPB or the attorneys general, this collector continue to drain my account. Previously, they have taken over XXXX and now on XX/XX/XXXX, they have taken {$2200.00} from my account ( this is my mortgage payment ). Now I am devastated. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
BSI Financial abused our fiduciary relationship and manage my escrow account badly. More than twice over the last three years BSI has paid insurance after the expired date more than two times. I get mortgage adjustment that vary with huge gaps for example {$1200.00} to {$1700.00}. Often, I call BSI customer service and their answers are given as if there is no shared resource information that tracks properties connected to the account, the number of insurances and taxes to be disbursed, etc.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: NJ

Complaint narrative:
This collector is contacting my job and I am absolutely prohibited from receiving such calls at my workplace.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
XXXX contacted collection agency called One Advantage, LLC and advised them that I do not owe anything on # XXXX/XXXX {$650.00}. I contacted One Advantage, LLC and requested from them a closed paid in full letter noting that I am not responsible or do not have a pending open balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I have requested validation of debt in writing on XX/XX/XXXX and no response. Statue of limitations of XXXX has expire ( last payment date is XX/XX/XXXX ) they are reporting a zombie debt and have ask in writing to delete it from my credit and no response on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have been disputing XXXX accounts with CMRE asking for Validation of these debts and have sent XXXX letters which where certified asking for validation evidence bearing my signature showing I had any contractual obligation tied to such debt. They failed to abide by FDCPA 807 ( 8 ) they had 30 days to contact the credit bureau and dispute they waited 60 days. They have now violated federal law by not properly investigating within the proper time frame and I have evidence of this via certified mail receipts. I am considering small claims court but I thought I would do this first. However should they not take immediate action and delete with the credit bureau. I will be seeking {$3500.00} in damages for : 1. ) Negligent Reporting 2. ) Violation of the Fair Debt Collection Practices Act. 
3. ) Violation of the Fair Credit Reporting Act This is effecting my credit negatively and has been humiliating and embarrassing. I have kept excellent records with all communication for the purpose of filing with the FTC office regarding all non-compliance of Federal laws. 
Before I sue them for violations and other damages I would like to see if this will let them know I take my bills and credit seriously. 

Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
In XXXX 2016 I contacted XXXX billing department to arrange a payment schedule. They agreed and established a {$50.00} per month payment. Since they do n't provide a user friendly online bill payment option, beginning in XXXX I set up electronic bill payment through my bank. A total of XXXX payments were made ( in XXXX electronic transactions ) with confirmations sent from XXXX XXXX. On XXXX XXXX I received a collection notice from CMRE Financial Services and I contacted them on XXXX XXXX via phone. I was told my account had not been credited for the above referenced payments. That same day I emailed documentation for all payments made beginning in XXXX. On XXXX XXXX I called to confirm that the email had been received, spoke to XXXX and she confirmed they had been. She said they had requested more information from XXXX XXXX XXXX and it could take up to 2 weeks to resolve. Today, XXXX XXXX, I received a voice mail from CMRE and called. They said they needed documentation for the XXXX XXXX payments. I explained that they were electronic payments directly from the bank so other than the payment confirmation I received I had no other documentation. XXXX got very belligerent and said the payment confirmations I provided were not sufficient and I needed to send cancelled checks. I again explained that I did not write checks, that these were electronic payments through XXXX XXXX bill pay program. She continued to insist, said I needed to send them further documentation and then hung up. I just pulled bank statements showing the debits from my account and sent that along with the previously submitted payment confirmations. In the email I requested confirmation of receipt as well as how this collection issue will be resolved so as to not impact my credit score which I take very seriously.

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 2016-12-01 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: Convergent Resources, Inc.
State: TN

Complaint narrative:
I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years.Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have 18 to 20 inquiries on my credit report. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Received a letter from Convergent Outsourcing , Inc and XXXX regarding an account they purchased. The amount they are attempting to collect is not what the charged off amount reporting to the credit bureaus is. They have raised the amount to try and collect more money in which the amount of debt is not for.

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 2016-11-23 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
Due the the fact that in the above choices I have to choose from in the above box. My choice is not represented well so I had to pick XXXX because my situation is based on the legal right to operate in the State of XXXX as a debt collector and Convergent Outsourcing does n't have the right to collect debt in the State of XXXX. I am going to provide you with the XXXX I sent to them, I am going to provide to you the research from the State of XXXX Debt XXXX Website to prove they are illegally trying to collect a debt. Finally, I am going to provide the certified mail document showing when they received the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
This is the third time that Convergent Outsourcing Inc has placed the same collection on my credit report, both XXXX and XXXX. I have taken it off twice. They called asking for social security number and I would not provide. I contacted XXXX the supposed creditor. They informed me that I had no collection or account with them and that the information being provided from Convergent Inc was false and that I should not pay. Since this is the third time they have placed the collection on my credit report, I am having a difficult time removing it. When I notified them what XXXX said they did not do anything unless I provided my full social security number. I gave them name, address, phone number, but did not give them my social security number. I am in the process of fixing my credit and this false collection has lowered my score XXXX points. I am tired of dealing with the same collection agency over the same collection that does not exist. Please do something. The guy on the phone sounded annoyed I would not provide my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE Financial Services ( collection agency ) has classified my account with them as in Default, however I have proof of payment via my HSA with XXXX XXXX XXXX that my payments which actually exceed the amount agreed upon, were in fact mailed to them within the XXXX days of last payment. Their letter is generated when payments have not been received with the XXXX days. However, I have mailed them XXXX payments, XXXX of which were within the time indicated but the agency has not cashed XXXX out of the XXXX checks or posted them to my account. I called their account specialist, who just wanted to over talk me and repeat that they do n't have my payment. I have copies of the checks that were sent to them by XXXX XXXX XXXX. Do I have any rights, even when an account is in collections to expect that my payments are accurately posted and in a timely manner? 
Thanks you for your assistance, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
Receiving collection notices in my name for medical debt incurred by my granddaughter who is XXXX years old and has nor lived with me in over five years. I have told them not to contact me since I have no information about the debt or her whereabouts. I consider this harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Debt Collectors is reporting a debt of {$1500.00} dollars on my credit that is not my debit. I did not have any service at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Ok, I checked my XXXX credit report, and these XXXX are harassing me for {$6.00}!!!!! REALLY?!!! I HAVE NEVER EVER seen these providers in my XXXX life, I do not wan na hear a XXXX thing about contacting the police either, bc I have already done that. I have spoken to several reps about this, all XXXX were rude, one of them asked me a question abt Medicaid and XXXX. It 's none of your XXXX business what insurance I have, also ... the police DO NOTHING abt ID Theft unless your XXXX is famous!!!!!! That does not work!!!!!! I know XXXX other people that have had the same stuff happen, and they did nothing ( the police ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: EMBRACE HOME LOANS
State: DE

Complaint narrative:
Embrace Home Loans Mortgage Company and XXXX XXXX XXXX XXXX fail to address my request for PMI removal. Attached is my XXXX XXXX, 2016 letter which outlines the correspondence I had as well as documentation that had been provided to Embrace. 
In response to my XXXX XXXX, 2016 letter I received a call from Embrace on XXXX XXXX, 2016 which I returned the following day. During the call I was informed that my PMI removal request was again denied. During that call, I was told I needed to provide information related to significant improvements and that I needed to authorize an appraisal. This request for information is consistent with the mortgage insurance removal request form Embrace provided with their letter dated XXXX XXXX, 2016 in which I provided in my XXXX XXXX, 2016 letter. I informed the Embrace representative that information on the improvements as well as authorization to proceed with an appraisal had previously been provided to Embrace in my XXXX XXXX, 2016 letter. When I pointed out to the representative that I had already provided the requested information and authorized an appraisal the response was that the representative merely received notice that my request had been denied. 
I requested a written response from Embrace during the XXXX XXXX, 2016 call and was told I would receive a written response from Embrace within one week. I have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed