vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
After recent cancellation of membership, I received multiple calls with attempts to collect a debt for a credit card in which I have submitted payments for previously with outstanding payment history. Though I submitted my payment via check XXXX did not acknowledge the payment so I resubmitted my payment via money order in which was deposited on XX/XX/2016. Through the many attempts to submit payment XXXX continues to raise the statement balance with outstanding interest fee and fails to update the payment balance. When I made my payment of {$350.00} my balance was XXXX, as of today the balance is XXXX and continues to increase with interest fees and no reflection of the payment of {$350.00} made in XX/XX/XXXX. I have contacted the Risk Committee, XXXX, XXXX, and may other individuals/departments within the bank dated back to XX/XX/2016. I have sent many letters to have this item removed from my credit report do to inaccurate information and lack of processing, but nothing remains to be done. I have contacted a lawyer to resolve this issue but the bank continues to draw a blind eye. Overall in conclusion, I have paid this credit card a total of XXXX times, once with a check and another with a money order. I have contacted the bank on numerous occasions but continue to have the phone disconnected and the issue not resolved. With my payment of {$350.00} towards a balance of {$360.00}, no payments have been reflected and interest continues to raise bigotedly and this installation continues to remain a huge burden hindering my valuable credit history. I have contacted a lawyer and the XXXX credit with attempts to resolve this issue but remain unsuccessful in this matter do to XXXX failing to reflect payment/paid off balance. Thank you for your help in this matter and I am greatly appreciative of removing XXXX defaults from my credit history and back rolling unnecessary inaccurate charges as a reflection of mishandling process on the banks behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I have been getting calls to work threatening me to be sent to court and also on my personal phone I have already contacted advance America to find out who they sold my account to and that company ca n't find me on file there # is XXXX and it is called first financial but the company that I am paying is called also attorney XXXX XXXX in Georgia their # is XXXX I just need help in verifying if it is a legitimate company and I am paying off a debt please help me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
XXXX account was opened in my name for a residential line. XXXX XXXX XXXX is holding me liable and mentioned that this is a billing issue. After several calls back and forth I have not had a resolution and am still being held liable. This issue has started since XXXX of 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
My credit card showed a fraudulent charge of {$1800.00} charged by a merchant I have never given business to. My credit card company has failed to address this despite repeated requests by me to have it reviewed and taken care of. They continue to have it on my balance and charge me interest. They took off and put it back on my card six times in the last six months, each time I think it is finally dealt with, then they put it back on my card. I have contacted the CEO 's office to get it dealt with and they still have not resolved it. 
I have never bought anything from XXXX and the {$1800.00} charge that keeps getting put back on my credit card by USAA is NOT MY CHARGE and I should not have it on my card or be forced to pay for it. I have had to pay the interest on it for months and months now while they still do not resolve the issue. 

USAA has provided absolutely horrible and probably illegal service on this issue and they still have not done anything to successfully resolve it. IT IS NOT MY CHARGE AND I WENT THROUGH ALL THE STEPS TO GET THEM TO DEAL WITH THIS AND THEY STILL HAVE NOT - IT HAS BEEN SIX MONTHS OF ME TRYING TO GET THIS RESOLVED! 

I am ready to hire a lawyer and do not know what else to do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I am putting a complaint on Diversified Consultants because they are reporting a collection with XXXX that was a result of Idenity theft. I have attempted to resolve the matter with them and sent them in my police report which I am going to attach to this complaint as well. But they have continued to try to collect on an Identity theft Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 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: Diversified Consultants, Inc.
State: NY

Complaint narrative:
This Account Was Not Opened By Me This Is An Fraud Account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 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: ME

Complaint narrative:
Bay View Loan servicing is not posting my payments or sending me statements. They are sending past due notices when my payments are ahead of schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: DC

Complaint narrative:
I initiated a money transfer online through Western Union. The next day I received an e-mail that the transfer was on hold until I called to provide additional information. I called that same day, provided information to the customer service representative and was told that everything was alright and the transfer would go through. The money was taken out of my bank account and several days later, the transfer still shows as processing on the WU website. I contacted WU through chat and later by phone only to be told that the transaction was cancelled by WU and that I would be receiving my money back in ten business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
MY XXXX XXXX XXXX $ TO XXXX. THE POST OFFICE THERE GET INVOLVED IN A FRAUD. HE GAVE : XXXX XXXX $ INSTEAD OF XXXX . 
BECAUSE HE CLAIMED THERE IS FEW SPELLING ERROR WHICH IS CORRECT. 
I WANT TO COMPLAIN FOR THIS KIND OF FRAUD. 
THANKS XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
On or about XXXX XXXX, XXXX, I received a bill from Phoenix Financial Services LLC in the amount of {$620.00} for alleged medical treatment that occurred in XXXX. I do not believe that this is a legitimate debt. I sent a letter via certified mail disputing the debt and requesting that the debt be verified ( delivered XXXX XXXX, XXXX ). 
To date, I have not received a response from Phoenix Financial Services in regards to my request for information and dispute of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Apex Resolution Group LLC
State: TX

Complaint narrative:
This company calls my family members and threatens a lawsuit. They have threatened to call the IRS. They have threatened to have my bank accounts closed. They continue to call my parents and my siblings and provide personal information. 

Continually calling my mobile phone without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 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: VA

Complaint narrative:
I am filing a complaint against Bayview Loan Servicing LLC concerning events leading up to, as well as following a short sale of my home in 2012. During that time there were other resources, programs, and help that was supposed to be made available to me - programs coming from the federal government, to include XXXX and CFPB guidance. However, at no time during my inquiries to Bayview did anyone discuss these programs and resources with me. As a result of the inability to reduce the interest rate and adjust the mortgage, I was forced to ultimately go through a short sale. 
Recently I have mailed them twice with a USPS registered return receipt. They have failed to correspond with me concerning those letters. In those letters I asked that they, as an act of goodwill, remove the negative reporting of my XXXX delinquencies from my credit report. I asked them to do this, as it has been almost four years since the short sale. As part of the justification for the short sale, I cited the need to find adequate and adaptable housing for my XXXX daughter. My current lease is over in 4 months, and the negative reporting is jeopardizing my ability to qualify for a home that meets my daughter 's needs. 
Again - they failed to notify me of programs that might have kept me from going through a short sale, and they also refused to adjust my interest rate on my mortgage. All I have asked for now is to take the negative rating off of my credit, and they have failed to even answer my requests. Furthermore - I have tried countless times to speak with a Bayview representative on the phone. Unfortunately, every time I call their system, it pushes my through several automated responses and ends up hanging up on me. Their phone system does not work for the consumer. 
I ask for your assistance in this matter. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CHARLES SCHWAB CORPORATION, THE
State: WA

Complaint narrative:
1. Debit Card holder of Charles Schwab Bank XXXX card. NO foreign transaction card, with all ATM fee reimbursement. 
2. XXXX XXXX, 2015, ATM/DEBIT transaction in XXXX, XXXX, at XXXX Bank XXXX XXXX XXXX. 
3. Charged excessive fees on debit transaction. 
4. Schwab has FAILED to provide full breakdown of all fees in over 90 days of repeated requests. 
5. Schwab XXXX of XXXX CAN NOT determine after 90 day investigation who OVERCHARGED the debit transaction. 

6. DEBIT charges are automated which means numerous FRAUDULENT charges are made against many innocent companies. 

7. XXXX WILL NOT COOPERATE nor allow me to contact them. 

8. SCHWAB refuses to provide their XXXX relationship manager!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AR

Complaint narrative:
XXXX XXXX XXXX closed my home loan/sold it to Bayview LLC collections and BAYVIEW will not report to the credit Bureau for some reason never missed a payment in 10 years this is not right that XXXX XXXX XXXX clearly says no late payment since 2007 XXXX XXXX XXXX is still on my credit report..but as closed real estate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I sent a Western Union transfer to an employee from my business account. The employee is in XXXX. The transfer went out to XXXX. The place where the employee is XXXX XXXX. When he went to pick up the money, he could n't get it because he is in XXXX XXXX. I called Western Union and they claim that they ca n't do anything but to cancel transfer, and I have to wait 1-7 days so that the hold can get off account before I can get that money to sent again. This is an emergency and I do n't understand if they are Western Union why does it have to be so difficult to change the location.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
I have no knowledge of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
ive contacted XXXX several time last year and have gotten different answers, first time it said it was my ex wife 's name, so i asked them to remove me from the collection they said ok, they would contact her, i gave them an address and phone number for my ex wife as well as her business address, also stated that i have n't been in contact with my ex wife for several years, at least 8 years, i called today XX/XX/2016 and they would n't give me information as to by whom or when the account was put into collection or what it was for, they said well can i have her number to contact her, why would she put you on their if you guys are divorced, referring to my wife, again i gave them my information, and i feel as if nothing is happening, i did not go to this facility i have no knowledge of this account my ex wife and i have been divorced for 8 years

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: P.S.C., Inc
State: WA

Complaint narrative:
I lived in an apartment for 3 years, noone did a walk through when I moved in, and the XXXX managemant company to take over the apartments just 60 days or so before I vacated wants to hold me to the terms of a lease I never signed. The XXXX in XXXX, WA representing the XXXX in XXXX, WA. Despite repeated attempts to contact them regarding this unfair charge, they sent me to collections for charges I do not legally owe. and ignored my XX/XX/2015 email asking for the charges to be corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: LendUp Loans LLC
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX and I applied for a loan and was denied. I never received a denial notification or the reason for the denial. 

I 'm hoping that someone in your office could help me. 


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 2016-01-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR

Complaint narrative:
I have been dealing with Bayview Loan Servicing on a mortgage modification because my husband passed away. From the very beginning I have had nothing but problems. They lost my paperwork including all my bank records 3 times, even though I sent them back to them in their prepaid envelopes. They then decided to report I made more money a month than I do. I told them about that mistake and they told me they just had to do that and it did n't matter, even though it 's still hard for me to make the payment. At the end of XXXX I got a letter from Bayview stating that there had been an audit resulting in a credit to my account of XXXX. On XXXX XXXX 2016 I spoke to the gentleman ( XXXX XXXX ) that has handled my modification and was told that the credit could be used to cover my XXXX, XXXX and part of XXXX payments. A couple days later I got an email saying my account was over due so I contacted Bayview again and was told by another person that yes I have a credit and that she would take the money, which had been put directly on the principle, out and apply them as payments for XXXX XXXX and XXXX. A couple days later another woman from Bayview called saying my payment was past due. I once again explained what was happening and told her she needed to speak with the gentleman handling my modification because he was the XXXX telling me it could or be used to cover my payments. I left multiple messages for him via voicemail and emailed him three times and did n't get a response. Finally about a week later he emailed saying he was looking into it. All in all XXXX people from Bayview have told me the money is mine and could be used to cover my payments. XXXX person said the money was n't mine, that it had to do with a modification through XXXX XXXX XXXX ( who held my loan previously ) to which I explained I never did a modification with them. I have been passed on from person to person, XXXX saying yes it 's covering my payments and XXXX saying it ca n't be used to cover my payments. I have had nothing but problems. I feel they have done nothing but lie to me. This was not my mistake. Clearly they do not know what they are doing and trying to take advantage of me. The only reason I needed the modification is because my husband died and I 'm now a single mother. I explained I used the extra money to pay down other bills because I was assured by XXXX different people that my XXXX, XXXX and part of XXXX 's payments would be covered by this credit. I documented the calls I made which went to voicemail, I have a copy of the email I sent ( 3 times ) and documentation with names and dates of the people who assured me my payments were covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 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: MA

Complaint narrative:
To whom it may concern, I have been having financial problems with keeping up with my bills. I have asked my mortgage provider for help. It 's very confusing with their response. One they said I ca n't get help because I made more then my bills. Then I reapplied. They said I should of not been behind on my mortgage and they ca n't help because I should of not falling behind and if your not behind on your mortgage we ca n't help you. But, yet they state on their web site to call as soon as your not able to make your payment, and you do n't have to be behind. Allot of things these days you have to pay up front. So when I catch up to XXXX bills I 'm already falling behind on another. My hardship is going through divorce and loss of XXXX income. But they still say I do n't have a hardship. They have allowed me to make a repayment program, which I 'm very thankful because I really want to make everything possible to keep this home. So now my income is {$4900.00}. I have bills of {$5200.00}. And now they also have jumped my monthly bill for mortgage from {$1200.00} to {$1700.00} which my bills would be around {$5600.00} ( with new calculation ) and they still refuse to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: LendUp Loans LLC
State: MN

Complaint narrative:
I am a victim of identity theft and someone stole my identity and personal information to apply for a loan with Lend Up. The loan account was an unauthorized and fraudulent account. I never applied for a loan with Lend Up. I filed a police report with XXXX XXXX Police Department. The police report case number is : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation
State: TX

Complaint narrative:
A former employer opened a retirement account in my name for {$100.00} in 2012. I have watched as quarterly fees have steadily reduced it to {$76.00}. I received notice that my former employer was switching retirement companies and that i had the option to cash out the amount. I took the cash out as it was would be unwise to just let it dwindle to nothing with the fees. The rep said numerous times on the call that I recorded that I would receive a check for {$76.00} and never once mentioned any fees. However, once I received the check it was only for {$36.00}. I have the recorded call I can provide you.

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