vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-10 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:
Designed Receivable Solutions ( " DSR '' ) is a debt collector. Their client, to whom the debt is owed, had an incorrect address on file for me. Thus, an invoice for {$150.00} was never sent to my attention. Upon applying for a mortgage, I discovered this debt in collection. My credit is otherwise perfect and this debt which DSR reported to the agencies is a false representation of my personal credit information, and simply clerical inaccuracy. After discovering the debt on a credit report in XX/XX/XXXX, I immediately contacted Designed Receivable Solutions ( " DSR '' ) to ask for a validation notice so that I could understand what the debt was and to then pay, if valid. In XX/XX/XXXX, DSR stated that they would completely " expunge '' the record from my credit if I paid that day. I could not pay that day because I did not know what the debt was for. After asking DSR a second time ( in writing XX/XX/XXXX ) for validation they finally sent the original invoice ( on XXXX XXXX, 2015 ) -- over 3 months since I originally asked for validation of the debt in XX/XX/XXXX. Additionally, after contacting the XXXX XXXX ( whom the debt is owed ) on XXXX/XXXX/15 ( spoke with " XXXX '' at XXXX XXXX XXXX XXXX XXXX " XXXX '' ) she stated that the correct amount owed was {$150.00} and that I could make payment with her for {$150.00}. However DSR will continue to inaccurately report a collection item to the agencies as well as assert that {$13.00} of interest is owed to DSR, an item they are attempting to charge on top of the amount I owe XXXX. The amount was accidentally sent to a collection agency due to an incorrect address and insurance policy and I am attempting to appropriately pay that amount to the original Physicans owed. I ask the AG office to review the situation and appropriately communicate to DSR that they are engaging in practices that are misaligned with good will or good faith as well as the law for fair credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I discovered an alleged collection account with Sunrise Credit Services for {$290.00} on my XXXX credit report this morning, showing an alleged original creditor of " XXXX ''. I had never heard anything from Sunrise Credit Services prior to this report and more saliently, I had n't heard anything from XXXX ( Cable TV ) regarding an outstanding bill, either. I did contact XXXX this morning, and they gave me control no. XXXX as proof that this debt has been paid in full. Further, the representative I communicated with assured me that XXXX would instruct Sunrise to delete this alleged collection account from the credit bureau ( s ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
XXXX XXXX, ( Navient ) told me on the phone that we qualified for a reduced interest repayment of 0.01 %. I 've been making monthly payments of {$140.00} for almost 2 yrs but my principal balance continues to go up. They have promised to send me details of the program in writing on several occasions but never did. I just found out on a blog site that you have to renew every year or your loan reverts to the original interest rate. They never told me that! My original loan was {$36000.00}. After paying anywhere from {$100.00} to {$600.00} per month for 10 years, my balance is now {$56000.00}. I 'm trying to work with them but I ca n't believe anything they promise over the phone. 
XXXX XXXX Co-signer XXXX XXXX XXXX school 2007 graduate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I was checking my existing report on what I owe. I just notice a cmre finance service was listed out of nowhere. This was added and I never got any report on them and just saw I had a balance! Balance of what? This needs to be corrected.

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 2015-09-12 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX breach of contract. ( Account # XXXX ) I had with Contract for ( XXXX ) Phone and I Received ( XXXX ) and XXXX Phone with Wrong Color. I Returned to the XXXX and Got Return Receipt Back from Them. Order a New Phone with Right Color? Never Showed up at all. Each Time you Call XXXX? Take XXXX to XXXX XXXX. XXXX of the worst Customer Service you Can Ever Imagine. 

" Every month there is a mistake or over charge on my bill. I have to call customer service and I am on the phone for XXXX hour. It is so bad now I actually plan for it. " " I really like it when they extend the contract without your knowing and charge you almost {$200.00} to cancel the service. " " After a year and a half of being an on-time customer, I got a 'friendly reminder ' phone call to see when I would be paying my bill. I had n't even received my bill yet! When I explained as much, the woman said 'oh, we like to keep on top of these things. ' WHAT?! I finished out my contract before they could re-up it without my knowledge and switched wireless carriers quickly! " I called so many times to Resolve the issue? Never Resolved. End-up Got a Letter from XXXX Collection Agnecy for {$660.00}. Collection. I apid the Charge just to Keep my Service connected? They Disconnect my Phone for 2 Months and Ask XXXX {$270.00}. 
I end-up paying off {$1200.00} Just to Save my Credit. I have Letter from Collection agency 's Pay-off Letter. 
I need to Terminate the Contract and Need my Money Back from XXXX ASAP. 
XXXX have to Return all my Money {$1200.00} + ( My Claim Number Claim # : XXXX ) 1. Bogus Regulatory Charge will increase to $ XXXX/line. 
2. Also, I applied for XXXX Fraud Charge Unauthorized PSMS Charges ( My Claim Number Claim # : XXXX ) Never ever got Refund from XXXX. 

Now, I want cancel XXXX contract without an early termination fee ( ETF ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
My husband died over 2 yrs. ago leaving several medical bills unpaid. After his personal estate was reviewed by the XXXX XXXX Courts it was ruled that his estate was deficient and that his medical bills would go unpaid. XXXX XXXX XXXX sent several bills. They were informed that there was no money in the estate to cover his bills. XXXX XXXX then turned this over to Optimum Outcomes, Inc. to attempt to collect several bills. I contacted an attorney who notified Optimum Outcomes that they could not collect on the bills owing because the estate was deficient. Apparently a bill for {$280.00} was not listed in that correspondence and Optimum Outcomes began sending collection notices for that amount. I called and wrote the company that this was not my bill several times. They stopped sending notices of collection and instead had a collection report placed in my credit reports XXXX. I disputed the information with XXXX credit reporting bureaus. XXXX accepted my statement and removed the collection report from my credit report. XXXX has declined to remove the collection report as of this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 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: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
My XXXX daughter ( XXXX XXXX ) and I met with XXXX representative and district manager XXXX XXXX when she and another rep showed up un-anounced at our home. They wanted my daughter to sign up to sell avon, since she is XXXX XXXX they told us that the account would have to be set up in my name. I told them we were not interested. We started receiving bills in my daughters name from a collection agency. I have called the collection agency and avon to get them to remove this account and the balance and have been unsuccessful. XXXX XXXX will not return my phone calls and she is the only person that can remove the balance from the account. The account is unactive and has been closed but the bills keep coming and it will start to affect my daughters credit very soon.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
I sent the creditor a letter requesting the debt be verified on XXXX XXXX, 2015. I have not received any such documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE is still reporting an account on my credit. As part of the agreement for paying the account they agreed to remove it since it should 've been paid by insurance ... I 've disputed it with XXXX but they keep claiming it 's verified. I like this account to be removed from my credit at once!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I was paying through Sallimae before it was moved to Navient, I recall that I was n't making any wages during that time and my loan interest suddenly increased the actual balance significantly without notice. The account was suppose to be on hold until I was able to find a job. Currently, I 'm paying {$660.00} every month without any consolidation for my income or any help from Navient to be able to make these payments easily. I almost have no savings due to this issue and with a very high interest rate. In addition, they would try to contact you regardless of your status and really want you make these ridiculous payments ( sound like collection agencies ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo routinely failed to apply my mortgage payment and can not tell me where the money was applied. I continued to pay on time and was never late. They then manufactured a default. After the foreclosure was dismissed several times, they sold the servicing to another firm ( potentially related to Wells ) and I could not get any answers. I continued to pay my mortgage through 7 years of foreclosure filings and refilling and they never told me where the money went. 

I am XXXX now, and was over XXXX at the time. I was forced to sell the house my husband built for our family over 40 years ago as they would/could not resolve and no other lender would lend to me because of the foreclosure. 

Sometimes, Wells Fargo employees would come to my home and harass me. XXXX. I cry when I see the Wells Fargo branches now. I never received my money back and had to pay astronomical fees on the mortgage when I sold.

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 2015-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Alliant Capital Management LLC
State: IL

Complaint narrative:
ALLIANT ALSO CALLED ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX IN VIOLATION OF F.C.P.A AND FDCPA, AND FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Request to REFINANCE HOME MORTGAGE LOAN currently with Wells Fargo Bank , N.A . Home Mortgage Division. 
XX/XX/XXXX I contacted a Wells Fargo Agent ( XXXX XXXX XXXX ) requesting to REFINANCE my current home mortgage loan. Current Interest Loan on my mortgage is 5.625 % After several phone discussions XXXX XXXX e-mailed me XXXX " Approximate Loan Cost Illustrations '' I chose the XXXX loan cost illustrations with the interest rate of 3.500 % ( see attached exhibit titled " Wells Fargo Approximate Loan Estimate ''. ) I also e-mailed XXXX XXXX asking for a " Loan ( Rate ) Modification ''. He responded by saying he does NOT 'Rate Modification ' but " ... .understand that a loan modification is usually do n't ( done ) for an extenuating circumstance, not just to improve the rate on your current mortgage .... '' XXXX XXXX asked me to call XXXX for assistance on loan rate modification. I called this toll free number and spoke to several Wells Fargo Agents such as XXXX XXXX, XXXX " XXXX '' and so on. These agent ALWAYS hang up on me without concluding our conversation. 
I called XXXX XXXX back agreeing to proceed with the application for the Refinancing of my mortgage loan at the " Approximate Loan Cost Illustration '' showing the interest loan of 3.500 %. We both agreed on this interest rate when XXXX XXXX told me that " Wells Fargo 's internal record of my mortgage payments showed that I have been late more than XXXX-times in the last one year. '' I tried to explained to him that for years now Wells Fargo has been making successive mistakes in the way the bank apply my loan payments. XXXX XXXX terminated our conversation and transferred my call to another Wells Fargo Bank 's Customer Service toll free number which nobody answered. 
XXXX XXXX ( Executive Mortgage Specialist ) XXXX, extension XXXX I called XXXX . XXXX several times and left a message for her, with my phone number, but XXXX XXXX XXXX NEVER returned my call. ( Note : In the past, on another issue, XXXX . XXXX sent me a letter ( dated XX/XX/XXXX ) with her phone number encouraging me to call her if I have any question on my Wells Fargo mortgage. Whenever I called her, the voice message will say " I am in the office today ... XXXX please leave your name, phone number and mortgage number .... '' I was never called back. 
QUESTIONWhy will Wells Fargo Bank ( Home mortgage division ) not want to REFINANCE my mortgage? 
REQUEST. 
1. I will like to REFINANCE my home mortgage loan with Wells Fargo at today 's Interest rate of 3.500 % as e-mailed to me. 
2. XXXX APPLICATION TO REDUCE MY MORTGAGE : I requested to REFINANCE my mortgage and NOT through XXXX XXXX from Wells Fargo. Pls stop sending me solicitation for a XXXX XXXX to reduce my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I have a mortgage through Wells Fargo VA loan and it is currently in a suspended foreclosure status right now. I missed a couple of payments but immediately contacted them to explain the situation and look for help. I was assigned a " specialist '' who literally did n't help us resolve anything. I eventually contacted the company customer service and worked with just about anyone willing to help me to learn what documents I needed to send it to get the process moving along. All in all- I am on the XXXX specialist. I ca n't send in any payments. I get a run around at every turn. The debt just keeps growing. I have been TRYING to work with them since day 1. Contacting them, sending in documents, taking phone calls ... .than being given a new specialist all over again. I am currently XXXX payments behind. Unable to send in new payments. And fighting to keep my home, but I do n't know our rights. Our current specialist will not give me any information of someone above him to work with us PLEASE HELP!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Integrated Recovery Services
State: GA

Complaint narrative:
I have been receiving phone calls from an XXXX number. They leave an automated message asking to call back XXXX, informing me they need a legal statement from me and failure to do so will result in them collecting my wages, employment, and liquid asset information. There is no mention in the message of the person 's name or the company they are calling from. I have not received anything in the mail from this company trying to collect a debt. I do not want to call back because I have read more than several bad reviews about these phone numbers that they are scam artists threatening the person they call and relatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: CA

Complaint narrative:
Got a mortgage loan through Franklin American Mortgage Company. Original and very first statement on XXXX/XXXX/2016 for the amount {$1200.00}, which i already paid check number XXXX, enclosing copy check from the bank, and it was showing cashed clearly. 
and on XXXX/XXXX/2016 i received a new mortgage statement. I did write several letter, faxed, and even called all of my documenations to them inquired about the check # XXXX for the amount of {$1200.00}. Because i do n't this check was credited anywhere on my account ... However, Franklin American Mortgage Company did not answer nor responding to my inquired letter, and my issues still not resolved up to today ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo is refusing to drop PMI. In their response letter they stated, " A new appraisal will not be taken into consideration '' and " the original amortization schedule will be used. '' I feel this is unfair and deceptive. I was under the understanding that once my loan-to-value reached 78 % and or 5 years of on time mortgage payments I would qualify to have this extra charge removed. 

I have never missed a payment, nor been late. I have an impeccable history of payments and want help fighting the removal of PMI. 

To add, my loan is a FHA loan and refinancing is not an option at this time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I closed a secured credit card account with Wells Fargo on XXXX/XXXX/2016. I was advised that I would receive my collateral funds within 7-14 day. Now I am being told it will be 45-60 days. Wells Fargo has multiple times they have given me " incorrect '' information and can do nothing but " apologize. '' When I questioned the second banker if I could file a formal complaint, she stated that the only way to do that was to step into an actual branch.

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 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We currently have our mortgage with Wells Fargo and were trying to refinance to cash out some equity so we could pay off some debt. Our loan was approved and we were instructed to close all of our credit cards accounts. We did as they asked, the property was appraised, and we thought it was a go until we were told three weeks in that our property was n't approved because of HOA blanket insurance. Now we do n't have access to a line of credit because we were told to close all our accounts and the closures will negatively affect our credit score. At the time this incident occurred the branch manager told us she had XXXX other customers in the same situation. If that 's the case, I would think she should have made sure the property was approved before asking us to close our accounts.

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 2017-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I lost my job due to an accident on XX/XX/2016 and i was unable to return to work until XX/XX/2016. I am back at work and i need some assistance getting back on track ... i make less money but i can still afford my mortgage ... please help me keep my 1 and only home

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