vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
My loan was sold to Bayview Loan Servicing in XX/XX/XXXX. I was not notified by XXXX XXXX XXXX. My mortgage payments were coming back. Finally in XXXX I found out about Bayview. I was having trouble making my payments after XX/XX/XXXX. They offered a home loan mod. They told me not to make payments. After six months I was sent an approval package with instructions to pay the XXXX month to fund the new modification. But it had no disclosures in it. i.e. interest rate, balloon payment etc. They said I had to pay the first month by a certain date. and after that I would receive all the detail of the loan. I had the package reviewed. It was described as " Predatory Lending Practices ''. I was advised not to sign it. 
- I contacted Bayview and requested a " Deed in Lieu of '' - We started the process in XX/XX/XXXX. 
- I have not lived in the house for quite some time but have had to keep the house up and pay large electric bills for the pool as part of our agreement for me to get a Deed in Lieu. Still they did nothing- In XX/XX/XXXX, they said they were in negotiations with the XXXX lien hold for a settlement- They never return phone calls or emails. Once they said they had an agreement with the XXXX lien holder and then they didn't- Today, XX/XX/XXXX I find out from the XXXX lien holder that they never contacted them and if they had it would only take them 2-3 days to approve it- Something is n't right here. A hidden agenda. They wo n't do what they promised even though I have fulfilled my obligation, contacted the XXXX lien holder myself to get them the information they needed, yet they still are doing nothing. 
- I had to get them to hire a company to look after the house as I can not afford to take care of it anymore. They did, they broke into the house leaving damage and frightening the neighborhood. Police were called. They never even informed me they were doing this. I would have just met them at the house and opened the door for XXXX sake. 
- From the beginning with Bayview it has been predatory lending, lack of transparency or disclosure and a total disregard for others. I understand the latter means nothing to the banking industry anymore but certainly the aforementioned disregard for the law should bring someone some attention. 

All that I am asking is to receive my " Deed in Lieu of '' and the reimbursement they promised me for my expenses. I need this matter concluded with my name off of the house so that I can move forward. I am supposed to move for work but can not due to this issue still looming. I am in threat of losing my job because I wo n't relocate until this is resolved. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
I applied for a loan modification with my lender Bayview. I have since then have been approved for a loan modification. I have made my trial payments on time and have followed all of their instructions. I was sent my final loan modification documents on XXXX XXXX. Since then I have signed and sent the notarized documents back to the lender THREE times, keeping in mind to send it with the return envelope THEY provided for the return. I was recently sent a 3rd packet exactly the same as the previous XXXX to be signed again. I spoke to the lender and the representative told me it was normal for that to happen and to resign and send back. I did just that. Now today I followed up with the lender to confirm they received the fed ex and was informed that my loan modification was in the processes of being denied for failure to return the signed agreement on time. Which is ridiculous since I did so THREE TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
I keep receiving mail and all correspondence from this agency claim that he purchase my mortgage from XXXX XXXX along with my United States XXXX on XXXX XXXX, 2017 XXXX XXXX left a letter envelope outside my door in this letter was advertising from Bayveiw Loan Service offering me to Cash for my Key to my house that withdrawal {$50000.00} from my pension to put the downpayment down stating that I Get cash to help you move to a new home accept this offer today. My pension was without and paid for me to move here why would this agency ask me to release my title of my home and all contents in the home to them for {$2000.00} is this legal please investigate this agency ensure that it legal to offer a home owner and all misconduct and mismanagement found all individual involved be convicted according to United States Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX as XXXX XXXX XXXX ) is committing fraud in their serving process. According to their client Patenaude and Felix, I was served properly on XXXX XXXX with a lawsuit by a person named " XXXX XXXX '' Upon calling and searching for a way to contact XXXX ( as XXXX XXXX ), I have asked for the full name of this person who supposedly served me which leads to a circle of the attorney for Patenaude and Felix XXXX XXXX and XXXX ( as XXXX XXXX ) telling me to call the other party about the server 's full name. 

I am at my wits end with this matter, due to the fraudulent service of this company 's employee leading to a default Judgement against me from a lawsuit that I was n't able to defend myself from. 

The fraudulent service in question is listed on the sheet as being in person on XXXX XXXX, however in addition to this being completely false, the description of the person listed on the process form is false. 

The company 's name is listed on the documents, however they company wo n't give me the person 's full name, their client wo n't give me the person 's name by telling me to refer to the Proof of Service form. There also is n't a signature on the form from theThis company is acting fraudulently and XXXX ( as XXXX XXXX ) should be found liable for violation of the FDCPA for falsifying information on legal documents in order to obtain a false judgement. Even the phone number that was listed on the legal documents was false.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMCOL Systems, Inc.
State: FL

Complaint narrative:
XXXX, received a call from Amcol Systems ( caller ID ) asking for my wife to discuss a business manner. I said she was at work and I was her husband. She started to fish for info ( after identifying herself as a collection agency rep ). I said wife was at work and XXXX gave me a number to call ( XXXX ). 

After speaking with my wife, I called the number back and asked for XXXX. She said call was being recorded. 

When asked for written verification of the debt, Amcol Systems rep. XXXX said their protocol did not provide for written verification of debt. I reminded XXXX that this was part of the Fair Debt Collection Practices Act. Instead, she gave me a list of amounts ranging from {$10.00} - {$200.00} and dates filed by XXXX XXXX. No other info was available except for XXXX phone number to call. 

She could not identify what the debts were for, just date and amount. WE were to call XXXX XXXX if we needed any more info. 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
XX/XX/2013, I visited a California Check Cashing location in XXXX XXXX, CA. I took out a {$250.00} loan and paid {$45.00} in fees. Every two weeks I visited the store and paid off the loan. I would repeat the loan every two weeks because I kept falling behind with my other expenses. Paying the loan back would make me repeat right away to get back on track. I did not give the lender access to my bank account. Instead I would go in every two weeks to pay and repeat the loan. 

XX/XX/2013, I did not have enough money to continue repeating this loan. I fell at work and did not have a steady income. I was not able to pay back the last loan I took out because the lack of income made it difficult to pay for my basic expenses. Let alone paying back the loan. My family and basic expenses came first. After I stopped visiting the store and making the payments, California Check Cashing called my home to let me know that I had a pending debt. 

Even though I wanted to pay my debt and prevent any damage to my credit, I simply did not have the money to do so. I owed {$300.00} and a few months after I did not return, I received a letter. This time it was not California Check Cashing, bit rather a collection agency that was asking me to pay back what I owed. They gave me options to pay back that loan along with another one from a separate lender I had also borrowed from. 

The week I received that letter I was expecting to work some extra hours at my new job. I thought I would make enough during those extra hours to pay off the loans. However, everything changed last minute and I was not given the extra hours. I do want to pay off the loan, but need them to work with me and give me a payment plan that I can actually afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Jenkins, Wagnon & Young, P.C.
State: TX

Complaint narrative:
In XXXX of XXXX a citation was attempted to be served to XXXX XXXX XXXX, my mother, and again in XXXX XXXX - the citation is not signed but the officer showed it was served ( with only XXXX attempts instead of the required XXXX prior to leaving citation on the door - I am assuming because XXXX was unable to answer the door ). The law firm filing the lawsuit was XXXX, XXXX, XXXX and XXXX, XXXX, XXXX, Texas XXXX. No further action was taken and in XXXX several attorneys working for the above law firm left that firm and set up an operation under Jenkins, Waggins and Young law firm also located in XXXX and a copy of their judgement is provided for address and contact information. Their phone number is XXXX XXXX XXXX and XXXX is " the '' person that talks to people there. There was no action taken on the original suite from XXXX XXXX up until around XXXX XXXX wherein the new law firm represented that they were authorized to file a judgement and that they were representing the law firm under the original citation ( XXXX, XXXX, XXXX and XXXX ) even though they were not according to that law firm and in addition, they filed without giving notice to the estate of XXXX XXXX XXXX whom had died almost 19 months prior to their action to file for judgement. I believe that the timeline for filing motions for any debts is within XXXX year of the time of death. There was no notification to the estate of the debt and there was no probate or administration for the estate as the value of the estate is none. The collection efforts are at best deceptive and unfair - there was - these folks were not the people who issued the suit originally and are attempting to collect on an old citation that the original debt collector says they no longer are working. The firm did not serve any additional citation or notification to the address or to the estate or even individual prior to the judgement action - so there was no opportunity to validate or defend the debt. And there are possible leches concern, statute of limitations on the suit. In addition, the address on the citation and judgement is incorrect, they filed that judgement action after the XXXX year timeline allowed for collection of the debt AND attempts to call and discuss the situation with them has not been received well. They refuse to discuss the situation with me but spend a great deal of time gathering data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
XXXX/XXXX/2015 I am received a call from XXXX XXXX XXXX XXXX XXXX from the " XXXX. '' the transfer of title of my name in the name of XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX XXXX sent me the documents to transfer title. Legitimate or fake - I do not know. 
For a very urgent request by XXXX XXXX XXXX XXXX XXXX XXXX, I am, XXXX/XXXX/2015, using " Western Union '' at XXXX o'clock XXXX minutes. I sent {$900.00} ( XXXX XXXX dollars ), but has received no receipts. 
I asked XXXX XXXX XXXX XXXX XXXX send any - any ID or other official proof of his identity, he refused under various pretexts, he demanded {$900.00} ( XXXX XXXX dollars ) more to send him money for other transactions. No one I did not get released. Sensing the hype I demanded to finish the first case of the transfer of title. XXXX XXXX refused. and disconnect the phone from the network. On XXXX/XXXX/2015 I can not reach XXXX XXXX XXXX XXXX XXXX XXXX and continue the discussion. I 'm pretty sure that is - FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
1. On XXXX/XXXX/15 I sent $ XXXX Western Union XXXX XXXX XXXX my son in college there. Apparently it was not picked up. 
2. Western Union kindly sent me an email stating that funds were not picked they included the last digits on the trucking number see attached. 
3. i Responded by telephone : requesting to send it to the agnt through which I 'd wired it. Not acceptable unless I presented a proof of trucking number. I was not able to locate the receipt. I conitnued to meet their requirements to recover the funds. I faced more demands of requirements last requirement to provide oicture ID, Address, see attached.No+ results

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monarch Recovery Holdings, Inc.
State: NM

Complaint narrative:
Calls from Monarch Recovery from this phone number XXXX. I asked what this is regarding and they replied " Please verify your birthdate '' I said I will not give any info over the phone. They replied " We will contact you again at a later date. '' I have sent the company my XXXX credit report showing that I do not have any account in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We applied for a mortgage with Wells Fargo last XXXX with XXXX XXXX. During the process, they sent out an appraisor, XXXX XXXX, who as per XXXX XXXX at Wells Fargo has been appraising homes in our area for over 20 years and is XXXX of the best in the area. XXXX XXXX assessed our home at XXXX. On the day we were supposed to close on the initial application, XXXX XXXX, our agent at the time, sent me a text message stating that they would not be able to do it until they did another appraisal. Another appraiser came to our home for approximately 10 minutes. During this time, she neglected to go through the entire house - including our XXXX square foot basement which includes a second kitchen, sauna, XXXX bathrooms, bedroom, excercise room, office, living room and leisure room. She was extremely rude and obnoxious to my wife and left after looking at a small portion of the house. She then appraised the house for XXXX, citing things about the house that were factually inaccurate. We recently attempted to refinance again with a different agent, XXXX explained to me that they could use the original appraisal of XXXX and the only thing required was that the appraiser XXXX XXXX XXXX XXXX return to the home ( it was in construction during initial appraisal, XXXX to confirm that the home had not reduced in value. The appraiser did so, and we received a copy of her report stating that the home was in fact worth XXXX and that it had not reduced in value. We submitted all required paperwork and were preparing to close when XXXX XXXX informed me that they would not be able to do the loan in that amount due to a second appraisal, which did not happen as we were never contacted nor visited by an appraiser. I asked why they were using that value, based on the incomplete, therefore inaccurate appraisal, over the more thourough appraisal ( again, completed by XXXX of the most relable, accurate appraisors in the area as per XXXX XXXX XXXX. ) She said she did n't know and recommended I escalate the question, which I did. I received a phone call on XXXX at approximately XXXX from a XXXX XXXX, who can be reached at XXXX XXXX. XXXX XXXX explained to me that they determined the lessor amount was more accurate. I asked him who came to that determination and he explained that it was done by a vendor and that it is therefore out of Wells Fargo 's hands. I asked him for the name and contact information of the vendor who came to that determination and he said he did not have that information. I asked him to get me the information by XXXX on XXXX. I stated that if I was not given that information by that time, I would be contacting my attorney, which I plan to do. Thank you for your time

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 2017-02-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have auto payments and sound XXXX, they did n't try to pull the payment until XX/XX/XXXX and they are relying on the contract I signed discussing extra days for holidays may cause issues. I knew that and that is n't the issue. The issue is that they are purposely creating a loop hole in that contract to unlawfully obtain non sufficient funds fees or return charges they are n't entitled to. They do this by designing their web page to flag the consumer with red at the top that their " payment is currently past due. Would you like to make a payment now? '' And then a box that says " make payment ''. You click make payment and it takes you to the payment screen where it pre-selects that month because, again, the system is flagging the consumer for a late payment for that current month. I verified the month selected was XX/XX/XXXX as it was flagging me and made the madement. Absolutely no where on the web pages does it state that that payment iteself will take an additional four days to process, EVEN THOUGH IT WASNT A HOLIDAY, there is no information stating you ABSOLUTELY have to issue a stop payment for the regular scheduled payment that their own system flagged you as late or it will try to continually take both payments three separate times. They also do n't state that the system then decides for you where the funds will go instead of just cancelling the funds or placing them in the month you, the consumer selected, the system takes it and puts it where they want it and then continue to charge you for the month you attempted to pay twice. They owe me XXXX non sufficient funds return fees because their system is directing their consumer to do an action that they have policies and procedures against. ITS A TRAP TO UNLAWFULLY GAIN MONETARY VALUE THEY ARENT ENTITLED TO VIA INTERNET PROTOCOL. This is after they opened false accounts in our names to unlawfully gain monetary value they were n't entitled to and also after they initiated contact without requests ... how long are you going to allow Wells Fargo to rob American consumers?

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 2016-09-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am in the process of completing a modification agreement with the lender, Wells Fargo Home Mortgage, loan # XXXX. As part of that process, Wells was to automatically withdraw the second of three payments from my checking account on XX/XX/XXXX. On Friday, XXXX/XXXX/2016, I checked and the payment still had not been withdrawn from my account. I contacted Wells Fargo and was advised that my loan and the attendant servicing had been sold to XXXX. At no time had I received notification of the sale of my loan and in particular I did not receive any notifications at least 15 days before the effective date of the transfer or XXXX/XXXX/2016. No electronic, telephonic or written communication was received. Wells provided the contact number for XXXX and the account number that XXXX has assigned to my account. I contacted XXXX on XXXX/XXXX/2016 and they confirmed that my loan had been sold to them and they confirmed that my modification agreement would be honored. I have to check on XXXX/XXXX/16 to determine if the second payment is withdrawn from my account and if not, I will have to contact them and make arrangements to have the second payment withdrawn from the account and establish an autowithdrawal capability to pay the mortgage each month on the first of the month. Wells did not provide any of the auto withdrawal information I had established with them. In speaking with the XXXX personnel, she advised that they had received many calls from individuals having Wells mortgage loans sold to XXXX and no notification was provided advising of the sale of the loans. Required good-by transfer letters were not sent in accordance with established guidelines.

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