vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Pro Collect has reported XXXX accounts two times each

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CASH AMERICA INTERNATIONAL, INC.
State: TX

Complaint narrative:
They are repeatedly calling my job, over and over again. I have asked them to stop and so has my employer. They told me even if i no longer work there it does not matter they will continue to call my job and that I have no recourse.

Company response to consumer: Closed
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Received a letter in mail from Phoenix Financial in reference to a debt of {$760.00}. Letter indicates original creditor was XXXX which I have no knowledge of. This is causing me anxiety and fear my personal information is being shared with others which can cause identity theft. In no way this debt has been validated as mine and I request company to cease contact and delete information as to this may potentially affect my credit and/or use identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
On XXXX XXXX, XXXX my wife and I filed for bankruptcy under chapter XXXX. At that time our loan was held by XXXX XXXX XXXX. Starting XXXX XXXX and through the duration of the bankruptcy, all payments were made via the XXXX XXXX. A discharge under 11 U.S.C. 1141 ( d ) ( 5 ) is granted to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX By the court : XXXX XXXX XXXX United States Bankruptcy Judge. 
In XXXX, XXXX XXXX XXXX transferred the loan to Bayview Loan Servicing. In XXXX Bayview began calling my residence and claiming my payments, which were being made under supervision of the XXXX XXXX, were late. I contacted Bayview and was told that while all my payments to Bayview had been on time, XXXX XXXX XXXX told them the loan was one month past due when it transferred. Each month I would contact Bayview, sometimes they corrected the account, but then it would revert back to past due the next month and the " robo-calls '' and harassing letters would start again, which was not allowed under the bankruptcy laws. My credit report currently shows XXXX instances of late payment on this mortgage during our bankruptcy, which is completely inaccurate. Despite numerous attempts on my behalf, including providing them with a full history of payments made since the bankruptcy filing, they refused to correct the problem. This continued even after the bankruptcy has been discharged, and so finally, in frustration, I sent them an extra payment and pleaded with them to re-open the investigation and clear my credit. I have disputed this via the credit reporting agencies now several times, and still they will not correct the issue, which is hurting my ability to re-establish a good credit score and hurting my family financially. For some reason, they also continue to send correspondence to my attorney, even though the bankruptcy has been discharged and I have requested this change several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
On XXXX XXXX, XXXX, I agreed to a settlement to pay XXXX XXXX XXXX in the amount of {$2000.00} through the means of automatic payments from my checking account in the amount of {$120.00} a month. 

They have continued to automatically take $ XXXX/month even after the agreed amount of {$2000.00} has been paid in full. 

As of XXXX/XXXX/XXXX, they have automatically taken a total of {$2500.00}. 
They took {$500.00} more than what was agreed to and have not stopped automatically taking {$120.00} a month from my checking account. 

Last withdrawl took place on XXXX/XXXX/XXXX and first was taken on XXXX/XXXX/XXXX. This is a total of 21 months in which {$120.00} payments were automatically removed from my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
Today I received an email from Western Union. The email stated that a {$270.00} transaction failed. This transaction was between a person posed as myself and my mother. The transaction was going to someone in XXXX, but we live in XXXX. I believe my identity was stolen. My ID has been stolen and I believe someone tried to make a transaction with it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I am the original owner of my home which was purchased in XXXX. In XXXX, I did a home equity line of credit and did a quit claim deed, adding my husband to the mortgage. In XXXX XXXX, the husband refinanced the mortgage unbeknown to me. I had received preliminary foreclosure notices from XXXX XXXX XXXX in XXXX. When I contacted the bank to discuss the notice, I was informed that they could not speak to me because I was not listed on the mortgage. I requested documentation from the bank to validate their statement. I received from the bank a copy of an " Original Promissory Note '' which only indicated the husband 's name, signature and initials. I was not aware of, nor a party to the refinance closing transaction of said property on XXXX XXXX, XXXX. My name nor signature is not present on the binding agreement known as the " Promissory Note '' dated XXXX XXXX, XXXX. I have submitted an affidavit to XXXX XXXX XXXX, as a sworn document, dated and notarized, XXXX XXXX, XXXX. 
XXXX XXXX XXXX has transferred the loan to Bayview Loan Servicing , LLC in XXXX XXXX. I was notified by Bayview Loan Servicing LLC, of a default for an Unsecured Instrument, which I have not signed. Bayview Loan Servicing LLC, has retained, XXXX in XXXX, Ga, as the representing party of Servicer. There is definite violations of the Federal Truth-in-Lending Act. I was not aware of the refinance transaction, not a party to the closing of this transaction and there 's only one name and signature on the " Promissory Note ''., which is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CHARLES SCHWAB CORPORATION, THE
State: NC

Complaint narrative:
In XXXX / XXXX of XXXX, I began to have payments debit automatically out of my Charles Schwab account for a vehicle loan I have with XXXX. I have paid this loan on-time for close to 36 months now.. Without notice or explanation, Charles Schwab stopped making those payments in XXXX of XXXX despite adequate funds to cover the payment. I subsequently was charged late fees and, more importantly, had my credit report damaged by the late payment. When I contacted Schwab, they said that the system must have set XXXX as the stop date in error. Once I asked them to provide a letter to XXXX XXXX so that my credit could be corrected, they changed their story and said that I had erroneously set up the account to stop payments in XXXX XXXX, even though the loan has payments through XXXX. I set up the payments to terminate upon the loan 's termination, not in XXXX of the preceding year. The loan is n't even due in XXXX of XXXX, so there is no reason to select XXXX as a termination date. The representative said that it was a " legal issue '' surrounding admitting to mistakes and offered to pay the late fees for me. The result of Schwab 's refusal to correct the issue is that my husband 's credit has dropped by over XXXX points. We are applying for a loan for a new home, and Schwab 's error is going to cost us thousands in additional interest expense, assuming that we even qualify for a loan any more. Outside of the late payment for XXXX, his credit is clean and used to be in the high XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
Debt collectors Proof of Service shows that a " XXXX XXXX '' received the documents at a location which is not my work or my home. Violation of my 5th and 6th amendment rights for improper service. Then they proceeded to get a Default Judgement and levied my bank accounts. 
I called them and they refused to release the funds and demanded payment of the debt in full.They refused to vacate the judgement and dismiss the case if I agreed to enter into a monthly plan. They also would not release the funds that were held ( based on an illegal court order ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR

Complaint narrative:
I am a housing counselor working with a borrower who 's loan is serviced by Bayview. Bayview under charged about {$3300.00} for escrow in XX/XX/XXXX and the borrower elected to pay this amount in a lump sum in XX/XX/XXXX. However, Bayview continues to charge the borrower a mortgage payment including {$370.00} extra for the escrow repayment. Each time the borrower tried to contact Bayview to find out what happened to his payment, the system hangs up on him and he can not reach a representative. We called Bayview together using a desk number for a Loss Mitigation Representative that we had on file at our office ( because I also experienced the inability to reach a live person ). XXXX, the representative we spoke with, supposedly moved the funds.from a XXXX account where they had been mistakenly placed to the escrow account. However, the borrower continues to be charged the additional {$370.00} for escrow repayment. Each time that we contact Bayview we are unable to reach a representative through their customer service line and they give us the run around about the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
I have a retirement account with Charles Schwab. On their web site, they advertise that customers with certain amounts of money with Schwab qualify for mortgage rate discounts. From their web page, it looks like I qualify for a 0.25 % rate discount. For this promotion, they have a tie in with XXXX XXXX. When it came time to find out what the mortgage rate was, the XXXX people assured me that the discount was applied but the rate they offered me was the same as what both XXXX and XXXX XXXX offered with no discount. I consider this to be very deceptive advertising and operating on the part of both Charles Schwab and XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WI

Complaint narrative:
The original loans were originated through XXXX, XXXX loan when the home was purchased ( loan $ XXXX ) XXXX, {$180000.00} ) and a subsequent XXXX mortgage ( loan # XXXX XXXX XXXX. 

According to our County Clerks office XXXX released the lien for the XXXX mortgage on XXXX of XXXX and sent a letter to us on XXXX XXXX verifying the loan was paid off. 

XXXX of XXXX we filed for bankruptcy and as the process of notifying creditors our law firm contacted XXXX of our intent and they responded the total amount due for both loans was {$73000.00} and that is what the court documented as the total due. 

Throughout the time between XXXX and XXXX we have complied to all requests for consideration of loan modification. Every request was denied due to an additional {$240000.00} owed. 

In XXXX Bayview Loan Servicing is now servicing the loan ( acct # XXXX ) and are labeling the {$240000.00} as a corporate advance. 

The disturbing twist of events has paralyzed our family in fear of losing our home and due to their positioning of the events have left us without any alternative options of refinancing through another lender or selling he home. Lastly, the only secured position through liens is the second mortgage of {$73000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Patenaude & Felix A Professional Corporation
State: MT

Complaint narrative:
I requested verification of debt from another collection company in XXXX. I answered a summons and pled not guilty, as they would not provide me with verification of the debt. My wages have now been garnished by another agency. I was not aware of another judgment attempt. I have contacted them, as of XXXX XXXX, for verification of debt and they told me that they had a legal garnishment and are not sure that they will be able to find the verification. They did tell me that it is XXXX XXXX, but that information did not have any meaning to me. They have not yet supplied any written documentation for verification. I believe that the debt is not only not mine, but also past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
This company has not provided verification or validation of this debt. This does not belong to 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 2016-07-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I had a medical exam that was covered by my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: MO

Complaint narrative:
never received first cardss : XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mortgage is with Wells Fargo in about XX/XX/XXXX. A fixed rate paying interest and principal. I had a problem for a shot while after XX/XX/XXXX making payments. I did a loan modification with them to get up to date. It started at {$1600.00} interest only a month and spiraled up in 3 years to now {$2600.00} interest only with no end in site. I talked to them two months ago to see if they could modify or refinance with a fixed loan that was not an interest only. They said they could not help me that my income to debt ratio was too high. In all this time I have not been late on a payment I also have good credit over XXXX. 

Thanks 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 2016-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I contacted CFPB two years ago about how Bayview is extorting me every month. For 2 years they contact Bayveiw that, regardless of documentation and facts, says 'no we 're not ' and this useless agency CFPB sends me a copy of this jibberish response as if they added some value by copying and sending to me. CFPB has proven to be useless, ineffective and a monkey with a copy machine could serve me better for all CFPB does or cares. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
WE have for over ( 4 ) four yrs been trying to obtain a Mortgage Modification from Wells Fargo Bank. ( Please see attach History ). 
Thousands of Documents have been sent to wells fargo Bank. 
Two direct intake meetings with wells fargo Representatives. Received all requested Doc. 
Hundreds of phone calls, Fax, Mailing It was not until XXXX XXXX XXXX got involved that the documents were expedited to the underwriter 's. 
The underwriter 's through to Wells Fargo preservation specialists requesting many adding documents pertaining to my wife 's income verification which we supplied to them We just received XXXX letters from Wells Fargo that we were being denied for home modification loan because of my wife and I combined gross income??? ( See Attach ) We contacted our preservation specialists at Wells Fargo, who knew nothing about Us being denied a modification. 
We were revise to requests an appeal based on the incorrect amounts. After four years of documentation sent to Wells Fargo, I ca n't comprehend how they would have the wrong totals send in a request to appeal with supporting document. We completed the form and fax back to Wells Fargo. Then Mailed ( XXXX XXXX, XXXX ) The following documents listed below to verify correct total gross income amount. 
1 ) Complete Income Verification : A ) Spreadsheet total income past 26 months bank statement B ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) C ) All XXXX sales 24 months D ) XXXX statements 24 months E ) P & L statements XXXX, XX/XX/XXXX, & XX/XX/XXXX F ) XXXX 's Income taxes XXXX all scheduled XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX G ) My Wife XXXX Past 18 months of Pay Stubs H ) XXXX income taxes XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I ) Confirmation letter contribute for my wife XXXX J ) Household expenses Paid bill for past 12 months K ) history Journal past four years documents sent to Wells Fargo. 

We have been inform from the Lawyer that he was told over the phone that are Appeal now has been denied, I 'm just do n't understand why? if the totals were are wrong, Why would n't you want it corrected? 
I still feel that Wells Fargo bank, created this foreclosure by after 11 years changing our monthly mortgage, By doubling monthly mortgage payment, but without notice determining that we need in escrow account : started???

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 2016-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: COAST 2 COAST FUNDING GROUP
State: CA

Complaint narrative:
I am interested in refinancing my mortgage. The company that originally funded my loan, Coast 2 Coast Funding Group, in XXXX XXXX, California ( later sold it to another mortgage company ) reached out to me about refinancing my loan. I asked them to provide me a Loan Estimate. They then ran a Hard Inquiry against my credit without my authorization. When I questioned XXXX XXXX, my contact, as to why he ran my credit without asking me first, he told me that since Coast 2 Coast was the original company who funded my loan, the authorization I signed in 2015 will allow them to run my credit report at anytime for the life of the loan, without further authorization from me ... even though they sold my loan to another company. I have asked for, and received Loan Estimates from other companies as well, and none of them ran my credit to provide the Loan Estimate. To add more fuel to the fire, XXXX keeps saying that he is " sorry I did n't understand '' and " sorry that this somehow seems confusing ''! Very frustrating and unprofessional. I would like the Hard Inquiry removed from my credit report. I would like other buyers to beware of Coast 2 Coast Funding!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IN

Complaint narrative:
I received a notice dated XX/XX/2016 that an escrow account had been set up and payments had been made to insurance and taxes regarding our home. We do not have an escrow with these people and are officially requesting they stop these fraudulent payments. The escrow " history '' shows payments made XX/XX/XXXX, XXXX, and XX/XX/XXXX. However, my insurance company shows a payment on XXXX/XXXX/16 and my treasurer also on XXXX/XXXX/16. I have informed both companies of this fraud and requested those funds returned. A Bayview agent, XXXX, specifically stated we do not have an escrow and than they began making payments to these places. My last complaint has done nothing to stop this company from committing fraud regarding my account and therefor have no other option but to seek legal help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
More XXXX of XXXX - - Your Loan Has Been Approved! 












XXXX x XXXXXXXXXXXX XXXX XXXX ( 1 hour ago ) to me Congratulations! 
Your loan has been approved for {$5000.00}! * Get your loan as soon as today : 1.Get approved ( Done ). 
2.Make an appointment with your local branch XXXX. 
3.Get your check as soon as today! 

What will happen at my branch appointment? 
1.You 'll meet with your personal loan specialist to verify your identity, income, and sign your loan documents. 
2.Be sure to bring a government ID ( e.g. Driver 's License, State ID Card, Passport, or Military ID ). 
3.And for income verification, you can show us your last XXXX paystubs, most recent signed tax return or bank statement verifying direct deposit. 

Thank you for choosing Springleaf! 

We look forward to helping you complete your loan request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation