vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TX

Complaint narrative:
Franklin American Mortgage company advised that I needed additional flood coverage, which I purchased and my insurance Co. sent a fax stating I had the extra coverage. FAMC maintained they did n't get the fax so I had my insurance co, send a XXXX fax. FAMC admits they received that fax and they posted it on XXXX. I received my XXXX house payment bill and it showed that I owed an additional {$48.00} for insurance which FAMC said it purchased on my behalf. I called FAMC and complained about my bill and the lady looked up my account and advised me they had mad a mistake and not to pay the extra {$48.00}. I asked her to e-mail a copy so I would have proof that I did n't owe the extra money. She stated that I would receive a confirmation e-mail between XXXX and XXXX hours. After waiting for more than XXXX hours, I again called FAMC and spoke with a supervisor named XXXX on XXXX. She too stated I did not owe the extra {$48.00} and I told her why I wanted an e-mail verification. Her reply was " I promise you I will check into it and I will call you by Wednesday XXXX. '' I still have not heard from XXXX. On XXXX at XXXX, I again called FAMC and this time I spoke with supervisor XXXX. She also said I did n't owe the extra money. but when I asked her the name or the entity that I must contact to file a complaint against FAMC, she hung up on me. I immediately called back and contacted supervisor XXXX. She said she would look into it and call me " right back. '' I asked her how many days or weeks it was going to take her to call me and she repeated " I will call you right back. '' It has now been XXXX hours and XXXX minutes since XXXX said she would call me right back. If you have any authority over matters like this, I certainly hope you suspend XXXX 's right to hold mortgages as they know nothing about running a business, let alone XXXX that hold a lien on real property. 

Thank you for your prompt attention to this matter. 
Sincerely ; XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
When I applied for the XXXX XXXX American Express Card, I was told there was an introductory APR of 0 %. This was in the Terms and Conditions. Also in the T & C is a statement that no interest will be charged if the balance is paid in full by the due date. What is the point of a 0 % APR if interest will be charged regardless? When I called the bank, from whom I received the card, they told me that that was just the way the card works, no further explanation. I made purchases with the above mentioned card, and in my second statement was billed for nearly {$20.00}.

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 monetary relief
Consumer complaint received 2016-03-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
wells fargo bank mortgages. Are lieying fradulent cheats, i have over XXXX case history complaints with the cfpb since 2012, they have doctered documants,? but i have all the originals that shows them to be lieying cheats, iam going to sue them and also you for allowing them to comitt fraud and perjury and falsifying documants now iam comming for you? 7 day notice of proceedings, the truth will come out and i will show the world how decieptfull you realy are scum

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 2016-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I 'm being denied for a loan that I qualify for because my past short sale which settled on XXXX/XXXX/2011 is showing up as a foreclosure in the automated XXXX and XXXX XXXX underwriting report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have XXXX minor dependents and I have desperately attempted to complete a HAFA short sale with Wells Fargo. My loan was originated by XXXX XXXX. It was a Pick-a-Pay interest only loan. The payments escalated higher than the market rate. I lost my job and experienced a series of hardships. I was denied a loan modification and have requested a HAFA short sale so that I can relocate with my children. I have been forced into bankruptcy because the legal track has not halted or slowed down while waiting for an answer. I was told the Texas office had to handle this matter because of XXXX and this could not be uploaded in the XXXX system. I have yet to receive the approval needed and the new school year is beginning. I have a viable cash buyer and I have performed every pre-requisite needed to fulfill the criteria of a HAFA short sale. This has been my only homestead for the last XXXX years and I would like to resolve this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Mountain West Financial, LLC
State: CA

Complaint narrative:
Our loan originator failed to lock our rate in time, even after we requested him to do so and reminded him before the deadline. Interest rates have now gone up and downpayment assistance has decreased. We asked to confirm that this had been acted on with time and he lied to us and told us that he had locked our fate which was not the case.He now wants us to make-up for the loss in downpayment assistance from our earnest money instead of adjusting origination fees to make-up for the loss that was a result of their negligence. The LO and both branch managers have lied to us in the past in regards to other parts of our loan, but this has been the one with the most financial impact so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
rec'ed Letter dated XXXX XXXX on XXXX XXXX : From : WELLSFARGO Bank 'EMPLOYEE ... XXXX XXXX the letter she sends dose n't reflict any case number from cfpb ...? ; and this Employee dose n't give and direct phone number to contact her? 

fine attachments of the letter mentioned in the complaint dated this day XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
For approximately the last year, the law firm of Machol & Johannes , LLC has been repeatedly contacting myself and my parents in an attempt to collect a debt that I do not recognize. Per the office, their client obtained a judgment against me in 2010 ; however, neither myself nor anyone at my place of residence was ever served with any paperwork to notify me that I needed to appear in court. 

Each time the law firm calls, I ask them what the debt is for. On several occasions they have stated it was a credit card for several XXXX dollars. I have never had a credit card with a limit higher than {$1000.00}, if I remember correctly the highest limit I have ever had is {$750.00}. 

I offered to discuss payment options if the firm provided me proof of service and verification of debt. I have requested XXXX these items multiple times and the woman I speak with, XXXX XXXX, refuses to provide me any additional information. She has raised her voice at me, hung up on me during our conversations, and not returned my calls when I request additional information. 

If this is a debt that I do owe I am willing to attempt to make payment arrangements ; however, I am not going to blindly send in money to a law firm without any documentation evidencing where the original debt was originated, details of the dollar amount that I owe, and proof that I was served paperwork and given the opportunity to appear in court as I was never made aware that there was the possibility of a judgment being entered against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Lamont, Hanley & Associates, Inc.
State: MA

Complaint narrative:
Rec 'd a call at work from Lamont Hanley and Associates, for XXXX. I told them it is illegal to call me at work. XXXX ext 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 2016-05-13 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XXXX XXXX, 2016 I went over Western Union web site to place and order for money transfer from XXXX FL to XXXX, XXXX. The order was posted and payed with Credit Card. Few minutes later a received an email stating that my money transfer is on hold until I contact them by phone. I made the call and the CSR told me that I must send over a photo ID to be kept on file for future transactions and verify my identity, since there was another person with my same name who was banned from making transactions with this company and they wanted to verify I was not that person. Since I realized that I have to send this personal information overseas, actually CS for this company works from XXXX, I decided not to do so, I do n't feel comfortable sending personal sensitive information over no where. I request my transaction to be cancelled and have not charge my credit card or reverse the transaction and give back the money that has been charged to my credit card. The CSR told me that he ca n't do that until I send over the information requested ( photo ID overseas ) or write down a letter of explanation to be send over to them, basically with the same information I was trying to avoid to send. I tried to find a phone number in the USA where to call, since this XXXX overseas seems not to understand why I did n't want to send my ID to them or that I was afraid of Identity thief. I contacted them also by tweeter and the response was the same, to call back to XXXX in XXXX. I decided to go to a Western Union office, and the person that attend my request in person was very understandable and offer to help me with XXXX and called them. He was very surprised to hear back from them what I was already told him about what they asked me to do, since I can show my ID to him, and copy my information but never keep a hard copy of my ID. Actually, when I registered on line my account with Western Union, I gave all information requested. At the end, I made another transaction, in person with this kiosk, payed this time on cash and the person in XXXX was able to cash out the money. So, my question, why is my money keep hosted? Since I was able to make this other transaction in person, why they still refuse to reverse the original transaction? I went over my credit card CSR and dispute this transaction in not receiving the service requested basis. I felt discriminated and alienated. My name is very common, but I do n't think that is reason enough to hold back a service, condition me because of my name, being stereotyped by my ethnic origin or place of birth. How many XXXX XXXX has the same problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: BYL Collection Services
State: CO

Complaint narrative:
BYL COLLECTION SERVICES XXXX. Has sent me a letter stating that they want me to pay a 50 % settlement for the amount of {$130.00} and it looks like the original creditor was referenced as total XXXX. Client account number is XXXX. Unfortunately This BYL Collection Services is a third party collection company that up until this time has NEVER communicated with me. I did send them a letter via mail asking for validation of this debt by supplying to me the original signed contract between myself and XXXX XXXX. At this juncture I have not received anything stating their position that I owe them anything. I have never entered into a legal binding agreement with this company and do not owe them anything. The FCRA states that in section XXXX I have the right to ask for and be supplied with the original documentation stating that i owe any such balance. Simply sending me an itemized bill or a letter offering me a settlement opportunity does not meet the requirements of the law. In my last letter to BYL I requested that all collection activities cease since no proof of validation was supplied to me and yet they continue trying to solicit me to pay them something that I do not owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Machol & Johannes, LLC
State: WA

Complaint narrative:
Same case from case number XXXX. They have stopped since XXXX and are now again resuming their garnishment NOW with my employer. The documents sent by this company never showed my application to the firm client, there was no balance on it and the entire account was already charged off in XX/XX/XXXX. Please let Machol and Johannes LLC stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
This company is trying to collect a debt I do n't owe.

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: Other financial service — Money order
Issue: Unexpected/Other fees — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I purchased a WU Money Order for {$75.00} to make a payment to my at a XXXX gas station ) located on XXXX XXXX XXXX XXXX XXXX, XXXX GA ) to make a payment to XXXX Apartments in GA. The money order was returned by their banking institution and a return fee of {$75.00}. Now I am out {$150.00} as I had to pay this to XXXX Apartments ( GA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I am having financial difficulties and XXXX XXXX XXXX continuously calls my cell and work phone. I have asked that they not call my place of employment because we are n't allowed personal calls and the calls are recorded, but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MO

Complaint narrative:
Sent money to person by Western Union XXXX and the person money sent to did not pass it on to the person that it was suppose to go to

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Description : CBA Unable to Validate Alleged Debt Creditors Bureau Associates has failed to provide requested information from a recent dispute letter that was sent within the 30 dispute period as suggested. 

I received a letter by mail from Creditors Bureau Associates of Georgia ( CBA ) on XXXX XXXX 2016 dated XXXX XXXX 2016 stating that I had an outstanding balance of {$1100.00} from " XXXX XXXX. '' According to the received letter from CBA it states as follows : " Unless you notify this office within 30 days after receiving the notice that you dispute the validity of this debt or any portion thereof, this office will assume the debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice this office will provide you with this name and address of the original creditor, if different from the current creditor. '' On XXXX XXXX 2016 I sent a dispute letter to CBA and a tracking delivery confirmation was received on XXXX XXXX 2016, asking to verify the validity of this account and original creditor. 
On XXXX XXXX I received a letter from CBA dated XXXX XXXX 2016 that states : " According to the FDCPA, your account is past the 30 day validation period. Please contact our office if further information is needed regarding this account. This account is seriously past due. Please remit payment immediately. '' XXXX XXXX : XXXX wrote the first letter on XXXX XXXX 2016 I received their letter on XXXX XXXX 2016 I responded back to their letter on XXXX XXXX 2016 They received my response on XXXX XXXX 2016 From XX/XX/XXXX-XX/XX/2016 is a total of 19 days ( including weekends ) 13 days ( excluding weekends ). My dispute letter was written within the correct/allotted timeframe and still no information was sent regarding verification. 
As stated above : " If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. '' Since CBA can not obtain such information for verification CBA is not authorized to : - Collect this alleged debt - Make contact about this alleged debt - Report it under the FCRA, - Report this debt to XXXX, XXXX, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
In the course of Bayview Loan Servicing activities, Bayview Loan Servicing has engaged in the following acts and practices : XXXX ) Failure to timely and accurately apply trial modification payments made by borrowers XXXX ) Failure to maintain accurate account statements XXXX ) Failure to timely and accurately update automated system with timely, accurate information and accurately applied payments and accurate account payment dates, accurate account On XX/XX/XXXX, we made our forth trial modification payment for the month of XX/XX/2016. Although Bayview Loan Servicing had been notified regarding their automated system in a previous complaint, Bayview Loan Servicing 's automated system has continued to provide the wrong information on our account for XXXX months. Bayview Loan Servicing 's automated system states " Your next agreed upon payment for {$1900.00} is past due as of XX/XX/2016 ''. ( Please listen to exhibit D ). Bayview Loan Servicer is the servicer of our loan and is responsible for the servicing activities on our loan, which generally include collecting payments from mortgagors ; applying payments made in an agreed-upon order and in a correct order free of errors to the mortgagor 's indebtedness. Bayview Loan 's Servicing LLC 's failure to timely and accurately apply payments made by borrowers and failure to maintain accurate account statements and failure to maintain accurate automated system information has resulted in unlawful conduct that has caused injuries to the borrowers. The harm sustained by borrowers includes payment of improper fees and charges as well as psychological and emotional stress. Bayview Loan Servicing LLC 's failure to timely and accurately apply payments made by borrowers combined with failure to maintain accurate account statements and failure to maintain accurate account statements/recordings for the mortgagor through the automated system constitutes unfair or deceptive practices in violation of the consumer protections laws of the State of XXXX. ( See Exhibit A, Exhibit B, Exhibit C, Exhibit D, )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Machol & Johannes, LLC
State: WA

Complaint narrative:
Back in XXXX, when I was still in college, a letter was sent to my mother 's home address stating a company named XXXX XXXX had been had been awarded a civil suit against me in XXXX County Court, Indiana, on the grounds that I did not appear. I was never informed of any court date, was not living in XXXX County, Indiana, and to this date have no idea who XXXX is, or why they think it is I owe them money. As such, I have not paid them. In this foul year of our XXXX XXXX, thirteen years later, I am now being harassed by Machol & Johannes, a law firm known for their unscrupulous behavior and slimy tactics. They have been doing so for a year now, and continue to send me letters inferring that they are filing a civil suit against me in my local county for a time-barred debt. They 've even gone so far as to provide fake XXXX County case numbers that do not exist in the XXXX XXXX XXXX records search. This is clearly against my rights under the FDCPA. Judging by the numerous complaints about this so-called legal firm, this is n't the first time they have done this. By providing fake civil suit numbers and feigning threat of a lawsuit, Machol & Johannes is bullying it 's victims by preimptively awarding itself " judgement '' ( they use that word frequently ) a priori. They falsely represent themselves as an authority of the court by invoking the County 's name throughout their letters.

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