vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-15 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Trademark Management Solutions, LLC.
State: GA

Complaint narrative:
I got a pay day loan from a company that was trying to charge me fees that were way out there, like 300 %. I tried to talk to them numerous times and get what I borrowed paid back but they kept giving me the run around and would not return my calls. Recently, I received a call from Trademark Management Solutions telling me there was a server in the area and they were filing criminal charges against me. I tried to tell them that I could not pay what they were wanting ( {$400.00} a month ). I asked if they would at least try to get the payments lowered. They told me the company in which they were dealing with said NO I had to pay that amount and would not take a lesser amount. I told them I could not pay {$400.00} a month but was threatenedd court procedure if I did n't pay it and give them a debit card. I have been paying them that amount monthly but have tried to get someone on the phone to see if we can get the amount lowered. I am having trouble trying to keep up with all my other bills as well. I only borrowed {$1000.00}. and they are trying to make me pay back {$3000.00}. This is NOT RIGHT. I have a elderly Mom I am trying to take care of as well and just need for them to realize that what they are doing is unfair practice. I do n't mind paying back the money I received, but 3 times that amount is just unfair. I hope you can help me resolve this and make these people act more like they need to and help people not threaten them. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-17 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I have money trhu wester union, to XXXX, when the beneficiary, when to collect the fund, the beneficiary was told that was no money at agent office. The tracking number for this event is XXXX, the beneficiary for those fund name is XXXX XXXX, Western Union need to be 100 % responsable for their associates or agent. Western Union or their agent playing with people 's money. Also those beneficiary wasting their time and mony to go those agent office, and get a statement is no money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I opened an online account with Western Union ( westernunion.com ) on XX/XX/2017, I processed a money transfer charged to my credit card ending with -XXXX of the amount of {$500.00} to the country of XXXX to my brother, Western Union charged a transfer fee that I greed to of {$42.00}. Then they charged another {$27.00}. The transaction remained on hold for a few days. I called customer care in XXXX and talked to several people over several days ( one example is XXXX operator ID # XXXX ), they informed me that my they need a photo ID of mine and a report on the recipient ( relationship, occupation, father 's name, why I am sending money ), they said they may ask me for more ID information. I was not comfortable providing all this personal information so I asked for the transaction to be cancelled and money refunded to my credit card, they said that money will be on hold indefinitely unless I provide the information they asked for. THIS IS OUTRAGEOUS AND VERY FRUSTRATING..!! The money id still on hold with no refund or cancellation. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 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: CA

Complaint narrative:
This debt collector has been erroneously reporting late payment and delinquent payments for the last year. This company is an fraudulent debt collector/mortgage servicer and should have been closed down by the financial regulators. How is the bureau going to allow Bayview Loan Services to continue over the last 10 years to fraud and steal from American citizens?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I Western Union {$40.00} to a family member in XXXX XXXX almost a month ago, the agency refused to give my brother the money because they made a mistake in the spelling of his name, I contacted Western Union and requested a refund so I could re-send the funds, they said there was no need for all that, that they would fix it and release the funds to my brother I accept it that thinking this people were righteous, my brother went again to try to collect, they refused him again, I called Western Union again and now they 're claiming is government policy and are requesting my brother email/mail a copy of his ID to their headquarters in order for them to release his money to him, my brother has shown his ID to the agency, why should he have to send copies of his id to some office somewhere for XXXX knows in whos hands it will land just so he can get money I personally sent to him? I requested a refund and western Union through a supervisor named XXXX who refused to give me his last name he claimed because of security issues, refused to give my money back, XXXX ( operator number XXXX ) feels unsecure at telling me his last name, but XXXX speaking for Western Union wants a copy of my family member 's ID? whos keeping my brother safe from them?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
Collection agency called me at work and my cell phone in an attempt to collect a debt. When I asked them not to contact me at work as it is prohibited, they told me they would continue to do so. They have my cell phone number and can contact me via that method. The representative said then threatened to put this on my credit, to which I stated it already was by another collection agency. They wanted me to set up payment arrangements for this debt, I said I could not do anything at this time. They said they would mark it down as a refusal and hung up on me giving me no options to make any arrangements in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Other financial service — Foreign currency exchange
Issue: Excessive fees — 
Company: Skrill USA, Inc.
State: LA

Complaint narrative:
I made a transaction on XXXX XXXX, 2016 on the internet to XXXX using the checkout merchant provided by them called " Skrill '' and the merchant charged my checking account twice for the transaction. The original charge to the company XXXX XXXX was XXXX equaling out to {$600.00}. The merchant then again charged my account yesterday XXXX XXXX, 2016 for {$610.00} to them ( Skrill ). I dont have any connections with them at all outside of that one transaction to XXXX on XXXX/XXXX/16. I contacted XXXX and they verified that they only charged my account once by them and that they only received one payment. They sent me the invoices and the transaction details of everything on their end and it confirms that I was only charged once by them. On my bank statement it shows that only one charge through XXXX associated with Skrill was made. I tried contacting skrill by phone and email and couldnt get any response. The phone line was automated and when i tried emailing them and they replied with sorry we dont know you you arent registered with us and that is true I am not registered with them so that is how I know I should n't be getting charged with them and they should be taking money out of my account or have my checking account credentials. I have the documents to everything I stated showing everything within the process. The charge that Skrill made on my account to them on XXXX/XXXX/16 came out of nowhere and I didnt make that charge they charge my account for it as if I had bought from XXXX XXXX again but Skrill didnt get the amount right and it was titled wrong. The real charge was stated on my bank statement was listed as XXXX XXXX XXXX XXXX XXXX which was the {$600.00} stating both the merchant ( skrill ) and the seller ( XXXX ) and now I have the other charge which wasnt made by me of {$610.00} from SKRILL XXXX XXXX XXXX and I didnt have anything to do with skrill or have an account with them for them to have my debit card information to charge. The only time my card info was used was when I was directed to the Skrill checkout for checking out on logic templates website.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
The company called at XXXX XXXX This is not the first instance. They are harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 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:
my XXXX loan is with Bay View loan servicing. They modified my loan under HAMP program. When i went to modify my XXXX loan with XXXX, I am told that Bay View Loan Servicing failed to file correct HAMP related paperwork with Treasury department. I do n't know what that means and Bayview is unwilling to work with me to correct this issue. My XXXX loan with XXXX is stuck. In the mean time, i am falling more and more and more behind on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 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: OH

Complaint narrative:
We fell behind on our mortgage a while back, the company we originally signed with, XXXX XXXX Loans, sold to Bayview Loan Servicing and we did not get informed of this as it was happening but rather thru the bill. Life happened around us, our oldest daughter had a XXXX that resulted with XXXX her mom. This daughter kept us occupied along with my own struggle of XXXX and my husband working XXXX jobs to try making ends meet. We did n't and fell further behind. We were approved with a XXXX program, but the 3rd month a submitted payment a couple days too late. We reapplied, over and over and over. Each time we were given hope it would be approved due to our medical hardship. This has dragged on For nearly 5 years. They delay with several letters at once, each contradicting themselves, even a lawyer looked over our papers and said as much. She of course told us we have a lawsuit against them. We just want to make our mortgage right and keep our home. Of course with " bad credit '' we ca n't get a loan to pay our past due balance and the mortgage company has put us off for so long we are in a foreclosure process. Again, we desperately want to keep our home and looking for answers to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 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:
I sent money to other country ( XXXX ), my sister did get this money and was sent back western union of the united states again

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 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: GA

Complaint narrative:
I have contacted Bayview Loan Servicing XXXX on several occassions to request that their records be updated to reflect my current loan status. The company has recently refused to speak with me or provide account information. The company has also failed to remove erroneous data from my credit reports. A copy of my recent correspondence to Bayview with more details is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
This is about Western Union money transfer to another country. I sent a money transfer in XXXX XXXX, 2015 to a relative who is not very mobile and is easily tired. My relative went to the Western Union agent in that country and was told that there was an error. I called up Western Union and was told to cancel the transaction and that the money will be refunded to my bank account and to make another WU transfer. I cancelled the first transaction and made another transfer. For this XXXX transaction dated XXXX XXXX, 2015, my relative was told that there was an error but the agent can not tell what the error was. I verified with the Western Union here in the USA and was told that the money was ready for pickup and there was no error. I was told that my sister can go to the agent again XXXX! ) and to call the customer service in that country if my relative is not able to get the money. The service I used was the transfer in minutes using my debit card. Knowing the condition of my relative, I thought it is best not to use Western Union anymore. So, I cancel this XXXX transaction just now and ask for a refund. I am writing so that consumers know about this experience and that Western Union improves the services of their agents in other countries. Meanwhile, my relative and I faced inconvenience, wasted our time and agitated us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: LendUp Loans LLC
State: CA

Complaint narrative:
I contacted lend up to informed them that i was going to be needing an extented payment plan and i was told that they did not have to obey that law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XXXX/XXXX/15 I initiated a money transfer via Western Union at XXXX store # XXXX to my bank which is out of state. I needed the cash there for payment of bills, and usual household expenses. 

On XXXX/XXXX/15 I received a text message from Western Union stating the deposit was delivered to my bank. 

On XXXX/XXXX/15 I called my bank, XXXX Bank, who stated they did not have any record of a deposit in the amount I sent. 

XXXX/XXXX/15 I called Western union. In a recorded phone conversation, I was told that the money was rejected by my bank, as they do not accept western union transfers and I could return to the agent immediately to pick up my cash. 

Arrived at the agent location and western union denied my refund stating it was delivered to XXXX Bank. 

I called XXXX Bank again. The money is still not showing in my account. 

At this point, I have lost {$1000.00}. I have receipt to prove the money was given to the teller, and neither XXXX or Western Union will account for the location of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Called my sister as XXXX XXXX and left the number XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
I requested this company provide me with sufficient documentation to support this debt indeed being mine. I requested a copy of all documents ( invoices, summary of receipts, payments, etc. ) The company sent the attached document which is a mere form sent to my insurance company. I have never did any business with this company nor have I ever heard of them. This item is erroneous and should not be reported on my credit report. 
Delete immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
I submitted a request from Macho & Johannes LLC at XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX and requested the balance on XXXX accounts that I am paying through a consumer credit counseling agency ( XXXX ). About three weeks ago I submitted this request and I have received no reply back. I am going to fax over the request today and I am providing you a copy of the letter below. 

XXXX XXXX 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO. XXXX Toll Free : ( XXXX ) XXXX General Fax : ( XXXX ) XXXX XXXX XXXX XXXX. 
*********** XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Account Balances : I sent an email about three weeks ago requesting the balance to the following accounts ; XXXX ; XXXX ; XXXX. I need to show my employer that I am making progress on these items. As you know I am XXXX and this affects my clearance and my job employment. 


XXXX XXXX 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 2015-06-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
On XXXX/XXXX/15 TCF Bank reordered my transactions XXXX and debit my account XXXX for the same transaction XXXX/XXXX/15 XXXX XXXX XXXX ( {$140.00} ).

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 2015-07-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC
State: PA

Complaint narrative:
I had an XXXX at XXXX on my XXXX on XX/XX/XXXX. Before the services were provided, XXXX notified me that my XXXX would be {$1500.00} and I 'd have to pay my {$500.00} medical deductible before services would be rendered. I came with {$500.00} cash ; however, they offered an interest free payment plan. I took the payment plan as it was favourable to paying {$500.00} cash on day 1. My credit card has been billed as agreed upon in the payment plan. I have also fully paid my credit card ( {$0.00} outstanding balance at each month-end since before XX/XX/XXXX, which means I have paid in line with the payment plan ). I received a voicemail the week commencing XXXX XXXX from someone stating to be employed by XXXX, which is the parent company of XXXX, stating that I have not paid my balance. When I asked how that was possible as I was on a payment plan, they noted they sit in a different office and were not aware of my payment plan. Not knowing about my payment plan seemed a bit off, so I looked into the number I was given on my voicemail and noted it was for Quality Asset Recovery, a debt collection agency! This individual, XXXX XXXX ( XXXX ), actually does NOT work at XXXX as he claimed in his voicemail ( which I am more than willing to provide ). He never once even notified me he worked for a debt collection agency. I then decided to call XXXX directly to ask about this and they stated that I, in fact, had paid every bill on time as agreed, and that the issue came from them " incorrectly sending accounts for collections '' to XXXX. 

I would also like to note that I never once received a notice from XXXX that I was late on payment. I also sent them a letter XX/XX/XXXX asking for the detailed billing for my XXXX ( as this was never produced ). It has been 2 months since that letter was sent and I am still awaiting a response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX yelled and was verbally abusive to me on the phone, which was a call that I initiated for the simple purpose of finding out the origins of this collections account that I was not familiar with. He called me a liar when i stated that this was the first I 've heard of this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Roundpoint Mortgage has repeatedly not returned my attempts at contacting them since they have acquired my mortgage loan. Their phone system hangs up on me at least once during each attempted contact. It is now three months into their acquisition and they ca n't tell me whether or not my insurance is lumped into the monthly mortgage payment. They have locked me out of my own account without any sort of notice or explanation. I feel like I have no way of knowing whether or not my mortgage loan is being taken care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: NY

Complaint narrative:
Seneca Mortgage - loan Servicing, Posting of P & I and misapplication of payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation