vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
My normal interest only mortgage payments for XX/XX/XXXX and XX/XX/XXXX were sent via mail on XXXX XXXX, 2015 and XXXX XXXX, 2015. Both payments were stamped on XXXX XXXX, 2015. I received a letter dated XXXX XXXX, 2015 that says they are returning the checks because they can not apply the payments. No other explanation was provided. I sent an email on XXXX XXXX, 2015 to a Bayview representative which serves as a formal QWR. The email was read on XXXX XXXX, 2015. To date I have received no response nor explanation for my payments being returned along with other issues concerning the servicing of my mortgage. My XX/XX/XXXX payment was mailed on XXXX XXXX, 2015 and they have not processed nor returned that payment. I am sending the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments today. 
Bayview has neglected to answer any of my inquiries and I would like an explanation and correction to the accounting of my loan. Bayview continues to report derogatory information to the credit bureaus while I am current on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
I switched my son over from a XXXX to XXXX physician since he 's now an adult. I made the appointment and went with him to his new doctor and paid the {$10.00} copay in full XX/XX/2015 on date of service ( have receipt ). I got a bill from XXXX XXXX XXXX XXXX stating I owe {$10.00} still but that got clarified over the phone with billing and they told me not to worry about it - they see that I did pay on day of service. 
ARStrat called and sent us a bill and my son was sent to collections over {$10.00}. ARStrat said they could n't speak to me despite telling them I paid for it and have proof and told them to call XXXX XXXX. They wanted my son to call them even though he did n't pay the copay. They just set up walls. They would not let me speak to their supervisor. Depending on which day you call and who you talk to on ARStrat 's phone some will say they do NOT have a supervisor nor legal department to talk to. Every time I call the doctor 's office and billing department - they say I 'm good. They even communicated with ARStrat multiple times but ARStrat denies any such communication. So I paid ARStrat to quit harassing us till we get this resolved. ARstrat says they can not talk to me unless they get permission from my son. He gave them permission and told him to call his mother to clarify this with her. ARStrat told my son they " will not call your mother because you do n't have an account with us '' - that 's because they were paid and do n't want to give my money back - nor do they want to resolve issues. I told them several times to call XXXX XXXX XXXX and they will tell ARStrat that there was a clerical error posted to my account instead of my son 's. But ARStrat wo n't listen. I had to call them back and keep pushing to speak to their supervisor who was just as rude and put up lots of walls also - not very helpful at all. No body at ARstrat would look up the confirmation # paid on their billing statement nor reference number. Not only am I trying to get my money back from ARStat - I want a formal APOLOGY for putting innocent people through XXXX. People who actually pay their copay like they should and still try to collect and harass and bully people that did no wrong in the first place. ARStrat need improve their communication methods, customer service and listen more to people. My name is XXXX. Personal info is my son 's name XXXX with last XXXX social to help you find the account listed under personal info section.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
my bank asked me to agree to terms of an agreement before I could proceed with online banking tasks. the agreement contained some language that sounded way too general and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I was a victim of online fraud and i sent money thru western union and i called them to tell them a few minutes after i sent money thru them to stop the payment and the man on the phone from western union told me no and hung up on me and then i called back a few minutes later and finally talk to a guy and told him what happened and about me getting scammed and they filed a fraud report and i told them to refund my money and i reported everything to fbi and gave western union the report number and when i called my local police department i spoke one officer and he told me it was out of his juridicetion and to call the other police department and they said that the western union place had to call them and western union dont want to and is all i want to do is get my {$170.00} dollars back from western union like i tried to before it was cashed but the guy hung up on me and after him telling me no so i hope you people get my money back for me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE
State: NC

Complaint narrative:
On XXXX XXXX, 2016, on Saturday at XXXX, I talked to a Charles Schwab customer service representative. I called to see why my check card could not be activated by phone. After answering all the identity questions from this representative ( address, social security number, and finally drivers license number ) she looked into my accounts. What had happened was that a card from an old account that I closed had been sent and this is why I could not activate it. After my question was answered, this rep proceeded to ask me if I was employed, what colleges I have attended, and what jobs I had worked at. Then she asked if I were going on vacation! I actually thought she was going to ask me what my net worth was! She then proceeded to insult me and say 'I do n't know why you are activating a check card with only this amount of money in your account '. My friend dealt with either this same woman or one like her 2 years ago. He contacted Charles Schwab with a question concerning his account. She asked him why he was withdrawing money from his account and THEN asked him what he was doing with it!! And 2 years ago, after the way he was treated, I decided NOT to use Schwab as my primary bank and closed ALL my accounts except for XXXX checking and brokerage account. Today XXXX/XXXX/2016 I closed the last remaining accounts. 
I complained to Charles Schwab customer service by their online email. I received a response that basically stated that someone would call me. On XXXX/XXXX/2016 a male, who did not give his name, called me and claimed he had listen to the tape concerning the incident in question and said this was further verification for my identity, which is a lie. HE DID NOT LISTEN TO THE TAPE because he would have known that my identity had been verified and the female rep immediately pulled up my account information. This guy was raising his voice at me and justifying what this female customer service representative was asking. I had to yell at him to be quiet because I could not get a word in edge-wise and finally hung up on him and he was still with a raised voice yapping away. My identity was already verified and she was just being nosy. Charles Schwab never knew where I worked or what colleges I attended so this information was not used to verify anything. A nosy customer service representative could easily be tempted to commit fraud or theft with account holders. They are deceptively obtaining information, data mining, in the guise of the verification of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
I obtained {$600.00} from First Virginia Loans in XXXX of XXXX. I have paid monthly and still the balance is {$480.00}. This is highway robbery at it 's finest. They continue to deduct my account on non pay days without any type of notice or warning causing overdraft fees leaving me without money to feed my children monthly right before pay day. They have received additional funds at time and I have paid on a monthly basis. In the beginning they had my paydays incorrect and were changing due dates most likely resulting in additional interest being charged due to their error. I am pretty sure the interest was not adjusted when they had my pay day date incorrect ( which determines your pay back dates ). They are robbing me and are not willing to assist with any settlement options. I need your help to seek settlement options with this company as they have taken over XXXX for a loan of XXXX when does it END!!! They continue to go into my account on different days each month and NOT on pay days. This company is fraud and are loan sharks. Please help. I need validation of the debt and need to see if they adjusted the account when they had my paydays incorrect early part of XXXX. Please I need to see if I can settle, a fair well really not fair but feasible settlement would not be more than XXXX as again they have received almost triple the amount borrowed. Please help me I do not know what to do!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: OK

Complaint narrative:
I have never been contacted about this bill from creditor, Rickman And Rickman, so I need see the this bill or at least get some correspondence from them on this before it is added as a unpaid collection on my credit report, any help would be greatly appreciated, if I actually owe this debt, I will pay as soon as I get a address to pay it, as I have stated I have no knowledge of this bill at all, as Rickman And Rickman have never contacted me at all, can they at least make a attempt to contact me before putting it into collections??? If I owe it I will pay it ASAP, but what I do not understand is there has not even been 1 attempt to contact me before putting on my credit report, please send me all the information, account number, and who and where to send the payment if owed by me. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Skrill USA, Inc.
State: MA

Complaint narrative:
After successfully verifying my account that I had recently opened with Skrill, I was able to transfer money ( about {$500.00} ) in to the account ( from my regular bank account ), but all of the payments I attempted to make were denied by Skrill. I called numerous times while trying to make one payment because the transaction was being declined- twice I was told everything was all set and to try again after a few minutes and after the third phone call, I was told I 'd have to wait 24 hours to try again because I had made too many attempts. The next day, Skrill closed my account without explanation, even after I asked, and they have yet to refund my account balance ... .it 's been over a month. When I called, the person I spoke with told me that she needed to look in to my account and would email me with information about my account balance. She emailed, said it was sent back to my bank account, but did n't give the date as I requested. I responded and asked for the date the money was sent back and received no response back. I have emailed multiple times without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 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: CA

Complaint narrative:
In XX/XX/XXXX we hired the XXXX XXXX XXXX to help us get a loan modification from Bayview Loan Servicing on a property that houses XXXX very ill people. XXXX XXXX submitted the request on XX/XX/XXXX. Over the next few months XXXX followed up with Bayview and submitted every document that they asked for. Finally on XX/XX/XXXX the account XXXX, XXXX XXXX, told XXXX that they had declined the mod due to our income being too high. He said that the income was {$54000.00} a month. XXXX told him that was not true and that our true income was about {$30000.00} a month. XXXX told her that a request had been submitted to the investor for an exception. XXXX continued to follow up several times a week with XXXX by phone and email. He never answered the phone and she always had to leave a voicemail which was never returned. He never responded to her emails either. Finally on XX/XX/XXXX XXXX emailed XXXX to tell her the loan mod had been denied. He sent her the decline letter which was dated XX/XX/XXXX. The appeal period is only 30 days so XXXX was not even able to appeal the decision. The NPV value used regarding our income was incorrect which could have triggered the decline so we had a legitimate reason to appeal but have been robbed of the chance. The income on the XXXX XXXX XXXX was {$230000.00}. This is not even close to our true income. We now have a Trustee Sale set for XX/XX/XXXX. We do not want to lose this home. It will be extremely difficult to move the patients. It is impossible to get in touch with a live person at Bayview Loan Servicing and we do not want to lose this home. We would greatly appreciate it if Bayview would work with us so we could keep this home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
WE HAVE USED WESTERN UNION BEFORE TO TRANSFER MONEY TO IMPOVERISHED RELATIVES IN XXXX, HAVING TESTED THE SYSTEM A FEW MONTHS AGO WITH {$50.00}. AFTER SEVERAL ERRORS, WE FINALLY GOT THE MONEY PICKED UP BY FAMILY IN XXXX XXXX. AT XXXX WE DECIDED TO SEND A LARGER AMOUNT USING THE SAME ACCOUNT AND RECIPIENT IDENTIFIERS AS THE PREVIOUS TEST TRANSFER. ON XX/XX/XXXX WE SENT {$300.00} THAT HAS BEEN REPEATEDLY REFUSED TO THE RECIPIENT FOR SKETCHY REASONS ( NAME IS NOT EXACTLY RIGHT ) AND DESPITE THE EARLIER SUCCESSFUL TRANSACTION. WE SUSPECT SCAM AND THEFT AND HAVE EMAILED W.U. ACCORDINGLY. WE ALSO FILE THIS COMPLAINT. THE ISSUE SEEMS TO BE NAMES. OUR SISTER HAS A COMPLICATED MULTI-PART NAME AS FOLLOWS : XXXX XXXX XXXX XXXX. WE HAVE TRIED TO SHORTEN IT FOR W.U. - OBVIOUSLY FAILING - OR BEING CHEATED AS A RESULT. DESPERATELY NEED HELP HERE. 

XXXX AND XXXX XXXX XXXX XXXX XXXXXXXXXXXX, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
Western Union would not assist me over the phone. I had sent money through their service and there was a technical difficulty - they would not assist. I spent hours on the phone and they kept telling the money was availble - the person trying to collect the money at the other end could not get any help from Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: ND

Complaint narrative:
On XXXX/XXXX/2016 I sent {$300.00} plus a {$10.00} service fee through my savings account at XXXX Bank to Western Union via online. I was to receive an email with the tracking # but no email arrived. I did not have a tracking # and when my son went to pick up the money he was unable to get it. Online at both my bank and Western Union ( using my cell phone # at WU ) I was informed the money was transferred from my account and was at WU. I went online to WU and after 2 hours online and on the phone the rep told me they would resend the email with the tracking # within 24 hours. An email again did n't arrive and on XXXX/XXXX/2016 I called WU again. I was told they never resend an email but they could refund my money and I could resend the money again. After being on the phone for 30 minutes the rep said he had to transfer the call so I could get a tracking # for the refund. I spent another 1/2hr on the phone to finally be told WU can not refund the money and I would have to do that thru my bank. I finally resolved my issue by calling my bank. WU lied to me from the beginning about everything. If I had n't pursued thru my bank they would have kept my money. Their reps do not speak good XXXX and lie to the consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-10 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: FL

Complaint narrative:
Requested verification only received a bill that did n't complete the request. Then they reported it to the XXXX credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 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: Monarch Recovery Holdings, Inc.
State: MN

Complaint narrative:
I received a billing statement stating I owe a debt for {$290.00} for creditor XXXX XXXX. The debt do not belong to me and is a fraudulent account. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Riverwalk Financial CORPORATION
State: VA

Complaint narrative:
Riverwalk Debt Solutions told me that they would be able to consolidate my federal loans and my payments would be based on my income. I just got off the phone with XXXX based in XXXX, and they informed me that they would not work with Riverwalk and that they were still going to collect payments from me for my federal loans, even after a representative from Riverwalk told me that I would have payments based on income and that they would ensure that I would be forgiven for the rest of my federal loans after 10 years. They also collected approximately {$600.00} to do this service. Now they are not returning my emails after they emailed me and they will not refund my money because I initialed the initial documents after being misled and given false information. Please contact me. 

I recently participated in an 8 month XXXX program for an XXXX XXXX and related issues and XXXX in XXXX 2016. I have a job lined up for the fall but I wo n't get paid for that until XXXX. I am depending on family and friends for financial support so this is a serious and urgent matter. I believe Riverwalk was very deceptive and that they misinformed 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 2016-05-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I recently lost my debit card and got my replacement on Friday ; then I activated the card on Friday. Then Sunday before I had a chance to update recurring charges with my new debit card number, XXXX emails saying thank you for the payment and showed my new debit card number. I never gave XXXX my new account number Wells Fargo released my number without my authorization.

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 2017-03-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo that has a history of cheating people has cheated me out of XXXX. I closed this account in 2013 XXXX verified it and gave dates and times. 
I want my money back you over charged me for late fees and interest and committed fraud By keeping an account open that was closed and charging me late fees and interest on an account that you fraudulently kept open

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