vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I 've been stuck in this modification XXXX with my for several years now. Last time I applied for a modification was on XXXX XXXX. I have submitted every document that they have requested yet no results have come out of it. just two weeks ago, my company requested some more information which I provided promptly. My current manager went on vacation and my servicer decided to start a foreclosure process on the property even though I am in a review for modification. California homeowner 's Bill of Rights strictly prohibits dual track process. The law says it that bank can not review for the modification while starting the process and filing a notice of default. My lender has broken the law. 

Wells Fargo Bank also continues to ask develop the same information over and over and over again. I have provided RMA and other requested information at least five in the last three months. however, the done nothing but ignored it and send me letters requesting it again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 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:
When I went to the XXXX sometime this year for my medical purposes I used Western Union to send funds to myself. Long story short XXXX/XXXX/2016 I made an online transaction sending {$2500.00} for myself and suppose to be picked up at XXXX on the brach in the XXXX. Got an confirmation email from Western Union providing the MTCN #, that the money was sent and it will be ready to be picked up on XXXX/XXXX/2016. So I went to the branch on XXXX/XXXX/2016 and tried claiming the funds? For some unidentified reason they did n't release the funds. They made me sit there for hours and talked to the agents over the phone to see and find out what was the issue. 

I spoke to some of the agents but it seems that they did n't know what to do or tell me that time. I got so frustrated not being to able to get my funds and that really put me on a lot of XXXX and end up having XXXX of my XXXX. Spent so much money on long distance calls but it got never resolved when I was in the XXXX. I needed some funds that time to start my medical treatment. Since i didnt get any funds yet I had to rescheduled all my doctors appointments even my flight had to be cancelled and bought a new plane ticket. It was a huge setback for me XXXX with my condition. 

I believe that Western Union should be the one who 's responsible for this negligence. I used their service numerously and I am much aware of their policy in any circumstances. 
Instead of getting all mad and upset I told myself that I should deal with my medical condition first before anything. 

So when I finally had the chance I contacted Western Union to resolved this problem. XXXX/XXXX/16 I spoke to XXXX of the agent and explained what had happened she resolved and came up with a conclusion by telling me that I was due for a refund and will get a check in amount of {$2500.00} within XXXX10 business days in the mail. Waited almost 2 weeks no check arrived. So I finally called him again this time around they said I will follow up and I should be getting a phone call from XXXX XXXX of the senior supervisor but I did n't receive any phone call or whatsoever. Called couple of times they said the same exact thing that I will receive the check between XXXX business. As I kept following it up things that I was told from the beginning suddenly started to changed. I will stop my story from there because the story went on and on and on. Spoke to at least XXXX to XXXX different agents but nobody seems to have to knowledge or the proper training to resolved this problem. I wish that this get resolved soon as possible and all I expect really is to get what I really deserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: DC

Complaint narrative:
On XXXX XXXX I used Western Union 's online services XXXX. On the web page this company offers a high level of security for all transactions, XXXX of them is that the receiver will got the XXXX XXXX Track number XXXX to receive the money. The problem was that I never give to him the XXXX number, but he just knowing my first and last-name, and knowing my phone number could call to Western U. to change, first the receiver name ( for this change I never received a change confirmation to my mail account, in addition he needed the amount and the date of the transfer so, how this was a trade transaction he already knows these details. So was very easy for him change the receiver name XXXX unbeknownst to me XXXX and then, I do n't know how he could ask for the XXXX to pick up the money the next day XXXX XXXX XXXX XXXX. the XXXX XXXX night I called to the phone number provide by the company XXXX call us toll free XXXX at XXXX ) to cancel the transfer but in that hotline they told me that I should call between certain hours ( so it 's not a XXXX line and also the one who told me that was a record not an agent ) then I tried by chat but also I could n't do it cause the agent told me that he could n't do it for this channel so he suggested me to call to the number above provide. 
Other of the Western Unions ; security rules is that you can not make any change if you do n't call from the phone number provided on the web page but the think that Western Union should know is that now exist different programs through you can make phonecalls without use the cellphone ( physically XXXX but if the phone number. 
Finally this guy stole my money unbeknownst to me because all these security fails of WU. I would like my money back WU does n't comply with all the things that they offer in their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
On XXXX XXXX 2015, I made a money transfer ofr {$100.00} through Western Union to XXXX. Western Union gave me an exchange rate of XXXX XXXX to the dollar. I later found out that the exchange rate at the time of this transfer, was XXXX XXXX to the dollar. This means I was ripped off to the tune of XXXX XXXX at the point of exchange. 
Millions of XXXX immigrants, remit money to families to the tune of millions in a day and Western Union charges fees for these services. To shortchange customers in addition to these fees, is unconscionable and a fraud. 
1. I am requesting an investigation of this transfer and countless others transmitted by Western Union. 
2. I am demanding a refund or transfer of the balance unpaid. XXXX XXXX. 
3. Western Union to be compelled to remit funds in XXXX dollars or at exactly the exchange rate in the country where money was transferred to. 
4. Western Union is to be made to pay restitution to everyone cheated in this manner. 

Transfer completed at XXXX XXXX XXXX XXXX XXXX XXXX Co XXXXTracking Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: The Eastbrooke Group LLC
State: TN

Complaint narrative:
The Eastbrooke Group, llc has contacted me and used fraudulent tactics of jail and charges against my name and social security number to get my debit card information to collect on a debt at 10 years old. Everywhere I 've researched this is a scam. I 'm concerned that my identity will be compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 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: PA

Complaint narrative:
I had a loan on a home in Florida of which the mortgage was purchased Purchased in late XXXX and became serviced by Bayview Loan Servicing. The property was surrendered last XXXX in a Deed in Lieu transaction. On XXXX/XXXX/XXXX ; I received a XXXX from Bayview with the incorrect Fair Market Value of the home and therefore, the incorrect amount of discharged debt. The XXXX was not filed on a timely basis and incorrect information was given the the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 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: MN

Complaint narrative:
-Monday XXXX XXXX - Pre-printed sheet of paper was taped to my door ; no name no signature, printed text said to " contact your mortgage servicer '' and a hand written toll free number. 
Spoke to Bayview, to asset manager XXXX XXXX. 
XXXX XXXX explained that after the one year of the forbearance term, the mortgage was behind {$11000.00} and that it had to be modified. 
XXXX XXXX explained that in a few days I would receive a packet of forms from XXXX, to contact them when I got these forms. 
-Tuesday XXXX XXXX - ( No forms have arrived yet ) Found a blank envelope taped to my door, inside found a pre-printed note saying " contact your mortgage servicer '' with a handwritten toll free number. 
-Wednesday XXXX XXXX - On XXXX XXXX, XXXX I received a letter from Bayview informing me my mortgage had been sold. According to the latest MERS record I received from Bayview in XXXX, the mortgage owner was XXXX Bank ; the new owner is " Mortgage Fund XXXX XXXX XXXX '' address is XXXX XXXX XXXX XXXX XXXX, MN XXXX, phone listed as XXXX. 
This address and phone number belong to XXXX Bank. 
I searched the web for " Mortgage XXXX XXXX XXXX XXXX '' and its variations : no results. 
Spoke to the XXXX State : no records Spoke to the XXXX : no records for " Mortgage Fund XXXX XXXX XXXX '' -Thursday XXXX XXXX - Visited the above address to find a corporate office building belonging to XXXX Bank XXXX Inside spoke to an information representative who searched their database using my driver 's license ; the representative ( XXXX ) found no records with my name. 
-Friday, XXXX XXXX, XXXX - Called the Foreclosure Dept. at XXXX ; this number was given to me by XXXX at the information desk in the hopes they might have more info. 
Spoke to XXXX who transferred me to " XXXX XXXX ''. XXXX explained they have no access to mortgage records of mortgages sold to other creditors, she suggested I talk to The Consumer Protection Bureau at XXXX. 
Spoke to XXXX at Consumer Financial Protection to whom I relayed my situation ; XXXX explained the complaint submission process and how long it would take. 
I have not attempted to contact Bayview Loan Servicing regarding this issue of creditor transfer because they will ONLY respond to a lawyer and I have already incurred {$2300.00} in legal fees trying to get information from Bayview in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
After requesting XXXX XXXX XXXX to modify our mortgage through principal reduction, our account was transferred to Bayview Loan Servicing , LLC which advertises that it provides principal reduction alternatives. We applied, submitted all the required supportive information, specifically requesting a principal reduction, and were offered a false modification opportunity that did nothing to reduce the principal. The market value of our home is approximately {$90000.00} less than the current mortgage principal of {$300000.00}. 
We provided county assessments, regional sales of similar properties, insurance values, and hardship and financial documents, all for not. 
We need help getting out of being underwater on our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
The first time I sent money from WU to XXXX using my Debit Card, it went through without any issue. A week later when I try to send another money it failed with the error message " Your transaction could n't be completed. '' I called Western Union regarding this error and all the agent told me was " I do n't know what happened, I can not see the error from here '' I asked the agent to get me someone who can tell me what the error means and why it is failing, the agent told me No one in WU can help me regarding this error I should go to an agent location to send the money. I thought this is absurd. Why do you provide me the choice to register an account online and not be able to tell me why the transaction is failing. This is n't the first time. WU has not been helpful in dealing with this and they have very terrible agent who 's mean job I believe is just to get customer 's to stop using WU services

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
On XXXX XXXX, 2016 I initiated a money transfer from my XXXX XXXX XXXX checking account through Western Union 's instructions using Bill Pay in the amount of {$200.00} ( {$190.00} to my receiver and {$5.00} Transaction Fee ). On XXXX XXXX, 2016 I called Western Union and was stated that the transfer was cleared for the receiver ( my cousin ) in XXXX, XXXX. I was told on XXXX XXXX through email from my cousin that Western Union has put a hold on the transaction due to my cousin 's name being similar to a sanctions list used by Western Union. I have complying with Western Union 's request on information regarding the receiver, however, Western Union has locked up the transaction and is unwilling to cancel the transaction. I have spent endless hours on the phone trying to resolve this issue, however, I keep getting channeled to different call centers and departments that span the XXXX, XXXX XXXX, and XXXX. I have requested many times to be transferred to a US based call center or receive a call from a Western Union representative but have yet to receive any call and/or phone number. I am quite frustrated and need assistance to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am frequently called by Harris and Harris at my home landline. They leave a vague message of attempting to collect a debt [ no name of who they are attempting to contact ] with instructions to call a number that is a long distance number. Even if I answer the call direct when I am home it is the same recording to call the number back. This has gone on all of 2016 and almost every day of a given week. I initially called the XXXX number to ask to be removed from the system robo-call or whatever it is. The line leaves you on hold incessantly and runs up time and I hang up. I have no debt or owe anything that would be in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
they call and send letters and they can not tell me who the debt is with

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

Complaint narrative:
Our new loan servicer has arbitrarily altered the terms of our HAMP Loan Modification by failing to accurately report our deferred interest which is a fundamental part of the written contract between us and our prior loan owner XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 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: TN

Complaint narrative:
Currently we have a XXXX Debt to XXXX XXXX XXXX XXXX, and paying bill monthly. Have taken debt from XXXX to {$1000.00} since XXXX 2015. I have not had any indication that my debt had been sold to a third party until today after receiving a hostile phone call from XXXX from XXXX. He said that he was filing a complaint against our credit score for not paying a debt. I told him the amount was wrong, and I have n't received a bill from the new company. He said that did n't matter, I needed to pay immediately. He also said that I had to call the Hospital to get the receipts of my payment. I told him he should have gotten the correct amount and sent me a bill explaining this new process. 

I also know that if we are making payments on Medical Bills, we should not be sent to collections. He was threatening, unprofessional, and could n't even get his point across.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: MO

Complaint narrative:
Western Union has put my money transfer on hold and asked me to provide more information which I did. I was told I will get answer after 2-3 days. Now ten days passed no answer. Talked to their service staff all I got is that it is in their compliance dept. to subject to approval. Same answer each time I called. I said I want my money back they said they ca n't do anything untill they hear back from the dept. Now I am totally exhausted. What a disappointing service they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Jenkins, Wagnon & Young, P.C.
State: TX

Complaint narrative:
On XXXX ( XXXX ) XXXX a law firm named XXXX, XXXX, XXXX and XXXX filed a lawsuit citing that they represented XXXX for a debt and did not name the creditor or identify the debt source. The citations do not show that XXXX XXXX XXXX was ever served the citations as they are not signed. There was no other information sent notifying XXXX of the debt identification or how to resolve the claim. XXXX XXXX XXXX passed away on XXXX XXXX, XXXX after an extended illness. On XXXX XXXX, XXXX a totally DIFFERENT law firm ( Jenkins, Wagnon, and Young ) showing that they represented XXXX XXXX, XXXX ( which is not the original debtor shown on the citation in XXXX - different collection company name and different debtor ). There was no citation sent according to county records to attempt to notify XXXX or her estate of the claim. There was no no validation of the debt and no information sent disclosing what this debt is, the original creditor, and allowing the person OR the estate the opportunity to validate the debt. There are some legal time issues that also apply on filing or collecting within a year of the death of a person. 
This action is an unfair debt collection action. They have misrepresented information and facts about the original suit, the original debt collector and the law firm filing the suit are totally different entities that the judgement action entities. In addition, no notification was sent or served for the judgement action entities, no opportunity to validate the debt or respond to the action action was afforded either XXXX XXXX or her estate and respresentatives. This judgement was also filed over 18 months after the death of XXXX XXXX. 
There has been no response or acknowledgement of the original complaint and there has been no real response to my initial attempts to contact the creditor and communicate with them. Discussions with the original law firm disclosed that they will not be filing or asking for further action or judgement. I have no ideal what the debt is supposed to be as there was no disclosure of what they are claiming is owed, what kind of debt it is, whom it was owed to and other accounting information that would need to be disclosed to validate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
On XXXX XXXX, requested a bank-to-bank transfer of {$2600.00} XXXX Dollars to a XXXX bank account in XXXX. {$2600.00} was deducted from my bank account on XXXX XXXX but only {$2400.00} was deposited into the recipient 's account on XXXX XXXX. Although I requested this to be a XXXX dollar to XXXX dollar transfer, Western Union insisted 'Government requires local currency to be sent '. Their investigation into this has provided no results in recovering the missing {$150.00}, stating the amount of local currency ( XXXX PLZ ) is what was sent and received by the bank. It is indicating a dramatic rate conversion issue, but this is not clear. I do not believe conversion was required and Western Union incorrectly processed to convert. However, if so required, how is it possible so much money is lost in a direct bank-to-bank transaction. I truly feel money has been stolen from me and hope you can assist me to recover. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Through Wells Fargo 's online portal, I paid the full outstanding balance owing on my Wells Fargo VISA on XX/XX/XXXX. This payment was made 4 days prior to the due date of XX/XX/XXXX for a minimum payment. 
Wells Fargo sent me an email stating that my payment was successfully made on XX/XX/XXXX. Wells Fargo then reported me to credit agencies as being 30 days late on the payment and revoked my credit card even though I have made every credit card payment on time since opening the credit card in XX/XX/XXXX. Wells Fargo now refuses to correct their error.

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