vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX/XXXX/2015 I deposited a check in the amount of {$1200.00} to my personal checking account at Peoples United Bank. I did so using their mobile app. The check was paid on XXXX/XXXX/2015 and I have a copy of the cancelled check from the counter party that proves the funds were paid on that date. 

Nonetheless Peoples Bank did not credit my account until ten days later, XXXX/XXXX/2015. In the intervening time I was charged for returned items and 2 payments that I submitted were returned from the institutions I paid, causing me embarrassment. 

At this point Peoples Bank is refusing to credit me fully for the returned items, will not give me a written explanation and refuses to contact the institutions I had paid with an explanation of the faulty crediting in my account. 

Also, despite my changing my address information with a teller at the XXXX XXXX XXXX branch in XXXX, the address change was never made on my account. They still show the old address in XXXX XXXX! 

I want to be credited fully for the charges issued me during their delay, have a letter of explanation and have my returned item payees receive a letter explaining that this as not due to my fault. 

At Peoples Bank I spoke to a XXXX '. To say that she was surly understates the matter to a ridiculous extent. She kept me on hold for 20 minutes after another person had me on hold for 10 minutes. We did have a loud and angry exchange after that and then she put me on hold ... and for some reason (??? ), we were disconnected. Could she have actually hung up on me? Fortunately there is a tape of that conversation. 
Despite my requests on 3 occasions XXXX has not called me back. 

This account with Peoples United Bank has its origin in the purchase by Peoples United Bank of an account of mine at XXXX XXXX in XXXX XXXX. This account simply receives XXXX small pension payments, SS being XXXX of them. Fortunately I did not move any money to this bank because, after visiting a branch in XXXX my intuition told me that these people were inexperienced and not trustworthy. Therefore I did not move any other money to the account.These accounts do not make a material difference in my life or lifestyle. None the less, when I see how small account holders are really XXXX by banks, are charged usurious fees for overdrafts, are shunted around in call centers and generally abused by the staff I really do not want to hold my peace. I hope you can do something to reform this 'free checking '.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
I told them that I lost my job and I will have another job by the XXXX XXXX. I lost my job on XXXX XXXX. I continued to make the payments until I could n't anymore like two weeks ago on XXXX XXXX I wasnt able to make payment and the have called XXXX time a day from XXXX different numbers and I have ask them not to call me until after XXXX XXXX and the man hung up and called me right back the name of the company is Easy Money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-18 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I initiated contact with the lender to set-up a payment. My account is past due b/c I lost my job, and am unable to make a payment. When I contacted them, I attempted to set-up a payment for Tuesday, XXXX XXXX, 2015, when my unemployment benefits are made available to my account. 

She began harassing me - asking me for the balance of my checking account ; asking me how my account has {$0.00} available instead of a negative balance ; then telling me that i 'm giving her orders. 

Despite my attempts to set-up something to make good on the loan, I was unable to speak with someone who would work to resolve this issue with me. 

I believe harrassment of this type with borrowers is unfair, and that when borrowers who are trying to fulfill their obligations, despite their unfortunate circumstances, should not be subjected to this kind of bashing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 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: CT

Complaint narrative:
I applied for a mortgage modification as I was unable to make the payments on a home I own. This is not my primary resident, but rather a home I rent out to others. The mortgage company did offer me a modification where I can pay {$540000.00} for the home which has been appraised at {$320000.00}. So this modification would allow me to pay over {$220000.00} more than the home is actually worth.

Company response to consumer: Closed
Consumer complaint received 2015-07-29 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XXXX/XXXX/2015 I went online to Western Union and started a Money Transfer Transaction for {$510.00} USD to my wife in XXXX. I choose WU Pay as the method to pay for this transaction. To utilize WU Pay I had to set up their account with " Bill Pay '' at my bank. I then approved a transaction with my bank to pay {$510.00} + XXXX fee = {$520.00} USD to WU Pay. WU Pay stated on the Western Union website that the transaction would take 1 to 3 business days for approval of funds received. WU Pay told me on XXXX/XXXX/2015 they never received my payment and would not wire the money to my wife in XXXX. My Bank said they sent a wire transfer for {$520.00} to WU Pay on XXXX/XXXX/2015 and had confirmation it went to WU Pay. I made several calls to WU Pay and each time I was told they had not approved receipt of my payment and could not complete the money transfer to XXXX. Finally I told them I was going to stop payment on this but was unable to do so because it was a wire transfer originally. WU Pay held my money for 5 days and refused to send it to my wife all the while telling me they had not received funds from my bank. On XXXX/XXXX/2015 after talking with Western Union again, I received an email that they had not received payment from my bank. WU Pay has my money and will not send it to my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: The Eastbrooke Group LLC
State: TX

Complaint narrative:
Lender hired Eastbrook Group to collect debt. They have repeatedly called place of employment threatening legal action and service. Caller XXXX XXXX XXXX, gives claim number # XXXX to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 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: FL

Complaint narrative:
I applied for a loan modification with BayVIew Loan servicing. NO ONE reviewed the application with me and the assigned asset manager, was not responsive or helpful in explaining the process or what was needed. I sent in all forms and income that was requested. after what was about 2 month, a declination package was sent to me. I asked the asset manager why was it turned down and he said the DTI was 31 %. I said the paperwork you sent me said the DTI needed to be between 25-55 %. He had to put me on hold. Then he said that I could only afford a certain payment amount and that amount was not allowed. I told him the income was incorrect. He said I should have entered the correct income. I said I entered what it asked for and that no one reviewed with me. He said I needed to re apply or contact the Escalation Department. So I called the number to the Escalation Department that was listed on the decline letter and the answering message continually says the company is closed EVEN DURING BUSINESS HOURS. So I emailed them and received an email response showing the email was rejected and not read. I called the assigned asset manager back and he clearly said that the Escalation Department will not take your phone call. I asked why because they list a number. he said they just wont. He said to email them. I told him I did but the returned the email as unread. HE said that should work and not sure what else to tell me. I am very upset and frustrated. Companies should not be playing these shell games with consumers anymore. I called on XXXX and asked about making a payment and was told with the decision on the loan mod almost ready to be made, the suggested I not make the XXXX payment because that would help the modification look as if it was really needed. Now I am two months behind and cant reach the Escalation department and only have 30 days to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: SC

Complaint narrative:
On XXXX XXXX, 2015 I received a call from XXXX XXXX ) Bayview XXXX XXXX XXXX ) stating that I owe on a payday loan and if I do not make restitution right then that I will have court papers served to me at my place of employment within XXXX minutes. At that time, I did not understand the practices that Bayview XXXX were illegal and against the Federal Trade Commission and made agreement to pay the loan. After further research, I found that their scare tactics and process of collecting the debt was known and the BBB has XXXX complaints against them for the same exact reason. I called back and spoke to a XXXX XXXX and told them that I declined the agreement and stated to provide me with the case file number that was filed with the court systems. I was then told by XXXX XXXX that there was no a case number because no case has been filed. I asked then why then was I told that I would be served court papers at my office on if there was no case filed. XXXX XXXX stated that I was never told that and hung up on me. I then received a call on XXXX/XXXX/15 from a XXXX with ( XXXX Bayview XXXX ( XXXX ) to verify my home address to serve me papers. I asked XXXX what kind of business this is because they are breaking the Federal Trade Commission law regarding debt collection. She stated that they are not a debt collection agency so they do not have to follow any laws pertaining to that. When I told XXXX is was taping this conversation, she then hung up on me. I called back and spoke to another person who then threatened to call my Human Resources officer and let them listen to the recording of the call and told me he was going to contact the local law enforcement agency and have a police office waiting at my house to arrest me. I have this entire conversation recorded on my phone. ( XXXX ) Bayview XXXX refuses to provide any information as to what their business specifically does and provide an address for me to send a written cease and desist letter to stop the harassing phone calls to my cell phone and work place for me to communicate with them through written letters. I understand I owe on the loan but I refuse to be intimidated by scare tactics and illegal practices that this company does to get money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Management Partners LLC
State: TX

Complaint narrative:
In 2013 I paid my debt which was to XXXX however they sold my account to a Debt Management Partners company and they are still trying to get money and are still reporting that I owe them money even though the debt has been paid. Here is what they sent me '' As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to Debt Management Partners on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact Debt Management Partners at XXXX or http : //www.dmpcollections.com/. " The information they are reporting is inaccurate has the debt has been paid as of XXXX XXXX, 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stephens and Michaels Associates, Inc.
State: MN

Complaint narrative:
Hello stephens and michaels called me and said i owed XXXX from XXXX and when i talked to the lady she gave me an address i nver ever lived at before. So i called XXXX to verify that they sent it to them for collections and come to find out they never did this debt agency is a scam they are gon na mail ne something in the mail and verizon said they never sent it to them. They tried to give me a deal and they were so rude and wanted my personal information and trying to collect money for something they dont have or i dint owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BYL Collection Services
State: NJ

Complaint narrative:
I was not aware of debt until I checked my credit report and saw XXXX notices from BYL Collections on my XXXX report. I then filed a complaint with Consumer Protection and the XXXX After much back and forth with BYL through the XXXX, it was discovered that BYL had sent notices to an incorrect address and never sent me any notice of any debt and therefore made no attempt to ( 1 ) collect a debt and ( 2 ) no due diligence to ascertain my correct address prior to contacting XXXX BYL therefore stated that they would remove the information from my credit report. However, I have disputed the information with XXXX and each time BYL verifies the debt to them and denies removal of the debt. I have a statement, in writing, through the XXXX of greater Washington from BYL stating that the derogatory marks would be removed once payment was received. Payment was sent by the company making payment on the account at the end of XXXX. BYL needs to find out if payment was made to the original creditor. So, besides the fact that they never gave me notice of any debt that was owed ( neither did the original creditor ), they also have reneged on their agreement to remove the information from my credit report.

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 2015-04-18 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
This is either from a payday loan or a credit card debt that I failed to pay. On Thursday, XXXX XXXX, 2015 before XXXX XXXX Pacific time, the landline of the residence where I rent a room ( as I have a personal mobile phone and I was already off to work ), called on the landline and left a message looking for me and saying that a case was going to be filed against me in the XXXX XXXX XXXX Court since the city I reside at, XXXX, CA, is in XXXX XXXX. The caller also said for me to return their call at XXXX extension XXXX with a case number XXXX. In any case, I really feel that the caller should have said they were debt collectors which they did not and I really felt scared and intimidated by what they said they were going to do. I would really prefer the collection agency or the original creditor, whoever I owe to, to mail me a letter saying how much I owe. Right now, I have several debts, mostly to payday loans, XXXX made in person at payday loan places and the rest on line. As well as to credit card companies. Most of them have sent me letters, or the collection agencies acting on their behalf have, and since I can only pay so much, I do pay what I can on paydays and am not trying to dispute the amounts nor run away from my obligations. I for XXXX am trying to avoid bankruptcy and I really wish all those I owe money to will allow me to do partial payments till fully paid. As for this caller who left me that number to call, I really would like their attention called and I will pay what is due but only after their attention is called. I really would like them to just send me a letter and I also wish that when they send me anything in writing, nothing threatening like suing me in court. There is no need to even mention that. And yes they called before XXXX XXXX Pacific time though the jist of this complaint is their saying that a case will be filed against me in court. That is phone bullying.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 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: NY

Complaint narrative:
On XXXX XXXX, 2015 Bayview 's letter dated XXXX XXXX, 2015 was given to me by their attorney at the XXXX XXXX in the aforementioned matter. Bayview 's attorney claimed that this letter was sent to me on XXXX XXXX, 2015, however, this was yet another misrepresentation made by Bayview 's attorney in Court. As I 'm sure Bayview 's records indicate, Bayview never sent me their XXXX XXXX, 2015 letter. 

This complaint is to dispute the reason as to why XXXX XXXX was denied a HAMP loan modification. Based on Bayview 's response provided to my first QWR, Bayview indicated that {$5200.00} was used to determine XXXX XXXX monthly gross income XXXX {$3700.00} + {$1500.00} XXXX. In Bayview 's XXXX XXXX, 2015 letter it is further claimed that an affordable payment could not be reached without violating FHLMC 's HAMP requirements. This is not true nor is a specific rule cited to. The principal forbearance required in this case is less than 30 % of the UPB and less than the maximum amount of forbearance. Consequently, XXXX XXXX is eligible for a HAMP tier XXXX loan modification. Please see attached waterfall calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 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: TX

Complaint narrative:
PHOENIX FINANCIAL SERVICES LLC has place a collection on my credit reports for {$29.00}. They refuse to Validate the debt by sending me a copy of the original statement for alleged services rendered by the original creditor. They say the debt was sold and the original records are not available.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 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:
XXXX XXXX XXXX did not bill my insurance. I continue to give them the information and they have it on file but never bill them. I have been sent to XXXX collection agents, XXXX and XXXX XXXX XXXX XXXX, There are XXXX medical bills for my family and they will not bill insurance. 
XXXX XXXX XXXX XXXX XXXX California

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
The collection agency identified as CACI has already had right party contact with me and has verified the best phone number to contact me on. Since then they have contacted my family and requested location information as well as my employer. My complaint is that they have already had right party contact and should have no need to contact third parties for location information they already have.

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 non-monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BYL Collection Services
State: DE

Complaint narrative:
I use XXXX for most of my health-related issues and they send me out to XXXX hospital for anything test or XXXX. The bill comes to me then I take it to XXXX XXXX for reconciliation. 
XXXX has me on a scale where I pay a certain amount for each visit, they determine if a bill is cleared completely or a few more I will pay while they clear the rest. Usually, I will follow-up which I did then they give me a clearance. 
I followed all these steps and got the clearance over the phone that my balance is XXXX. Over a year later, I was going through a program to purchase something when they sent me a letter that something on my record is limiting them from proceeding. 
I was provided this number and I called. It was " COLLECTION AGENCY ''. I was shocked to hear about my hospital visit that was split into XXXX payments and I should set up a plan to pay. I tried to explain that I was given all clear but the lady speaking to me kept saying I should set up a plan or fax a clearance letter. 
I then ran to XXXX to replay this conversation I just had with XXXX ; according to the young lady I met, the guy that worked with me no longer works with them but the record they had on me was over a year prior to this bill with a XXXX balance. 
I further explained it 's strange since the letter I used for the procedure was given to me by the doctor there and faxed to XXXX from there. She went ahead to ask how I knew I was owed since they had nothing like that and I mentioned collection agency. 
She rose up to say that once things get there that they can not do anything. She could n't even see the lapse from their path even though she agreed the process I mentioned earlier were the correct steps in handling their bills. We could n't resolve this either. 
Right now, I understand the bill is about $ XXXX and I ca n't afford that let alone the bill I had no clue about. If I had seen the note from collection like they claimed, I would have still taken it back to XXXX but I got none. It was in the process that I told them to update my address since I had moved from where they claimed they sent me a notice. So I do n't know what to do at this point. I went back to the program expert who mentioned this discovery and was told to go online to this site and explain. Hoping to resolve this mystery completely soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation