vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-13 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: NJ

Complaint narrative:
In XXXX XXXX, I entered a Stipulation Agreement with Bayview, the Trial Plan, as a condition for my Loan Modification. The stipulation required 6 monthly payments from XXXX XXXX to XXXX XXXX. They assigned my account to XXXX XXXX. On XXXX XXXX, XXXX, XXXX XXXX called me to say that I had missed a payment and he needed copies all my bank statements and returned checks for my payments for XXXX, XXXX and XXXX. I sent the information to him and after reviewing it, he said that maybe it was an error by Bayview but that he will look into it. I asked that he sends me in writing confirmation that the issue was resolved. He never even sent me a letter that I had missed a payment, he only called me to ask for my bank statements. I left 2 voicemails and sent 3 emails to XXXX XXXX in XXXX and XXXX, he did not respond to any of my voice messages or emails. Bayview continued to send me monthly bills, and I continued to make my payments, sending them via certified mail, for XXXX, XXXX and XXXX. At the end of this Trial Plan in XXXX XXXX, I expected to execute the Modification Adjustment Agreement with Bayview. Instead, XXXX XXXX sent me a Trial Plan Default letter on XXXX XXXX, XXXX stating that Bayview will not offer me the modification because I did not make all of the required trial period plan payments. I responded to this letter on XXXX XXXX, XXXX via Certified mail to XXXX XXXX and the Customer Escalation at Bayview. In my response, I again sent copies of all my Trial Period payments, I sent copies of my unreturned emails and let them know that I have not heard from Bayview and have been trying to contact them since XXXX call in XXXX. As of today, XXXX XXXX, XXXX, Bayview has not told me what payment exactly I missed. They have not responded to any of my calls, emails, letters to inquire about this missing payment. XXXX XXXX sent me another letter on XXXX XXXX, XXXX with a RMA ( Request for Mortgage Assistance ) application package, to start the process all over again? XXXX XXXX has not returned any of my calls. I still do not know what payment Bayview is missing. I received a bill for XXXX and sent a payment for XXXX via certified mail to Bayview on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
I have previously raised XXXX complaints and despite thing the last XXXX had been resolved the Company still have not sorted out the problem. The previous cases are below. I received a letter from Bay View dated XXXX XXXX XXXX advising that I would have a resolution by XXXX XXXX XXXX but it is still going on. I am able to send emails of all of the messages I have sent the company but they just will not respond to me. 
XXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I own a small business and made a purchase with a manufacturer in XXXX. I made the payment through Western Union and the funds were deposited into the Bank of XXXX, the recipient 's companies bank account. Since the funds were released I have not heard from the company and or their representative. Communication was done via email. I sent several emails with no response. I was purchasing ditial pictures frames and memory cards with plastic case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Second Alliance, Inc.
State: CA

Complaint narrative:
calling my family members

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I sent {$100.00} to XXXX XXXX in XXXX for the purpose of buying food.. The XXXX # was XXXX XXXX XXXX. When XXXX went to pick up the {$100.00} he was told that number was not available. I called Western Union and was told that the transaction was cancelled due to a business decision. I Received a refund and attempted to resend the {$100.00} XXXX XXXX XXXX XXXX XXXX ). When I called Western Union to check on this transaction, I was told that I had been placed on a no send/receive list. When I asked for an explanation, I was told it was a business decision with no further explanation. 

I believe that If I have done nothing illegal, I am due an explanation and a means to have my name expunged from this list. I am requesting the assistance of the CFPB in either resolving my complaint with Western Union and be provided an explanation as to why I was placed on this no send/receive list. I would also expect a means to be taken off of said list. 

Your assistance is greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: OK

Complaint narrative:
I did money transfer to a bank account using Western Union on XXXX/XXXX/2016. The money was never received by the receiver. After that I called more then 15 times to Western Union to request the refund on this transaction. Every time I was assured that they have submitted a request for the refund and I should hear back in 24-48 hours. They never called me back and every time I call they keep telling me that someone will call me back within 24-48 hours and no one calls back. On XXXX/XXXX/2016 I spoke to a manager name XXXX ( operator id # XXXX ) and she assured me that she will call back in 24 hours which she never did. I would like to receive the fund back via check mailed back to my home address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Out of no where- started receiving calls at work, and leaving messages. I did answer and told them not to call my work, that I do not receive personal calls, and the man was combative, yelling at me " DO YOU WANT TO GET SUED? '' over and over. I have received threatening voicemails, stating that I am being investigated for fraud. My family has been called and harassed. My brother did not give my address, and the man stated : what type of brother are you, that you do n't know where she lives? " I receive different v.m. with different people calling. On my work v.m. they left a case #. They sent a letter to my former address, and it was forwarded to my new address- and it stated they bought my debt and not they want to collect {$7200.00}!! I do not owe any money to this company. They said the loan was from CashCall.

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 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
From : XXXX XXXX XXXX XXXXXXXXXXXX XXXX Date : XXXX XXXX, 2016 at XXXX XXXX PST To : XXXX XXXX XXXX XXXXXXXXXXXX XXXX ; Cc : XXXXXXXXXXXX Subject : CANCELLATION OF TRIAL MODIFICATION Hi XXXX XXXX, This is my official notification that I DO NOT want to move forward with the trial modification that was discussed earlier today and not to process my 1st trial payment of {$1900.00} from my XXXX XXXX Account. 

Due to the trial modification being almost a {$1000.00} monthly increase it will not be affordable and I am looking elsewhere. Also, I was not aware of the balloon amortization that I have investigated more thoroughly. 

Thank you for your time and effort, but again I am declining your trial BALLOON AMORTIZATION TRIAL. 

Sincerely, XXXX XXXX XXXX XXXX Dear Bureau of Consumer Financial Protection, I sent the above listed letter of explanation declining my " Balloon Amortization Trial '' with Bayview Loan Servicing, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ref Loan # XXXX, with the hopes of continuing to work with " Keep Your Home XXXX '' who was trying to submit my loan with payment. I received a phone call this morning that Bayview Loan Servicing has denied " Keep Your Home XXXX '' the ability to make a payment on my loan and take over my loan. As, explained in my aforementioned letter, Bayview Loan Servicing, will be furhter placing me into a Financial Hardship, while the " Keep Your Home XXXX '' program will help assist me in my situation. 

How can Bayview block a Governement Agency from helping and assisting me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
We have had this loan for greater than XXXX years, originally as a home equity loan. Late payments were made however payments were always made. We placed it into consumer credit counseling in XX/XX/XXXX when the owner refused to work with us to lower the interest rate so we could pay it off. at this time, we believe it is a negative amortization situation. At this time the owner still refuses to accept a payoff to end the loan ( a reasonable payoff ). We continue to make payments via the consumer credit counseling service and have until XX/XX/XXXX left to pay on it at the current rate. The owner company has more than recuperated their principal amount with interest. The original interest rate was over 20 % and was paid like that for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
Received a XXXX from Bay View a third party provider for XXXX. 
Their are numerous issues such as incorrect titling Incorrect coding on the XXXX form No release of lien but forced a tax event with the IRS and State

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I have a car loan that I have paid over $ 8k but they are reporting only {$300.00} paid down on principal. I disputed the balance with the bureaus but nothing. 
I wonder how the bureau validated information when the company has not provided me with copies of my payment history as request amortization schedule. 
I need to know where my money has gone. No one is providing me answers or getting me records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: United PanAm Financial Corp.
State: NY

Complaint narrative:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX through XXXX XXXX XXXX and obtained financing through United Auto Credit. After countless repairs and mechanical issues with the truck, I attempted to trade it in. At that point I was informed that the vehicle was only worth a few thousand dollars due to being deemed a total loss. 
Not only was the truck salvaged, but it included airbag deployment. 
I contacted United Auto Credit in XX/XX/XXXX regarding this issue and confirmed they they do not finance salvaged vehicles. After a lengthy conversation with XXXX of the superviosrs I forwarded them the supporting documents. The contract was entered into under terms that are fraudulent. Which voids the contract entirely. I put down XXXX on a vehicle that was sold to me for XXXX. I 've also invested a year worth of payments into something with no equity at this point. I 've continued to contact them regarding the lien release that needs to be sent so that I can move out of this vehicle but have gotten no where. I was advised that the account is with the Fraud dept, with no results. I also spoke with dealer compliance who was supposed to contact me and has n't. I do n't want this to impact my credit and I do n't feel like I should continue making payments on a cpontract that has been voided out.

Company response to consumer: Closed
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Choice Recovery, Inc.
State: IL

Complaint narrative:
This bill for {$130.00} I do not owe.I did'nt ecieve a statement untill 2 years after my appoitment, I paid my deductable the same day of the appoitment, XXXX should have submited the charges to my insurance ( Wellcare ) at that time.I did'nt have that insurance after that year, I had to change it.But they did'nt bill me untill XXXX years after the appointment which I am not responsable for!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: United PanAm Financial Corp.
State: OK

Complaint narrative:
I traded in my Vehicle on XXXX XXXX, 2016, My ten day payoff was {$6900.00}. The next due date was XXXX XXXX 2016. I received over 10 " ROBO Calls '' at work, and when I finally called them back the lady was very rude and refusing to listen to anything I had to say, Only demanding payment immediately. I told her I have proof the vehicle was traded in and she said it does n't matter, You 're responsible for the loan. I told her that The dealership has proof that they received the payment, and they had acquired the lein release and sold the vehicle. Her response was that I now had 24 hours to pay the balance of XXXX or I would face legal action. I told her that she can not pursue legal action as it has only been 1 day past due, WITH record that the account in question was paid off. I also asked her why the balance is so high. She said they add interest daily, which is nowhere to be found on my contract. I ask to speak with a manager, and she puts me on hold. She comes back and says he will not speak to me because everything she has told me is the truth and I am just lying to get out of a payment, then she hung up on me. I immediately received THREE more robocalls ( This is after XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Investment Retrievers, Inc.
State: NV

Complaint narrative:
I disputed this account with this company and received some stuff which provides me no evidence of when the date of last activity was. This XXXX account is very old and past the statute and this company has re aged the account because they purchased it which is violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Sortis Financial, Inc.
State: MS

Complaint narrative:
I got a loan from XXXX they informed me that it was an interest only loan the representative informed me of this over and over that I would be able to pay the loan at an interest only at any time without a problem and that the loan can be renewed with no problem. The representative left the company and I got a new rep who informed me that this was not the case and that I would have to refinance the loan and pay more fees. I got one package for a small amount to renew and every time I would get a package he would increase the fees more and more in order to make an even higher commission or percentage on the loan what showed a few XXXX dollars ended up being over {$3700.00} after numerous changes he continued to make. I was forced into getting another loan by getting an appraisal prior to this I was never late on my loan until the loan matured owing {$23000.00} it 's only been XXXX months and I was told I now owe {$46000.00} after XXXX months of non payment. The lender agent gave a loan on false basis and lied constantly about the terms of the loan. I was informed on many occasions that the loan would be renewed on interest only. I later received a copy of an email that was circulated by that XXXX my new account representative explaining to many people involved in the processing of my loan such as the closure using derogatory remarks such as " I was full of it '' and that he deliberately and intensionally refused the renewal because of his personal opinion which was a discriminating action on his part when I did not take the loan I received a nasty email stating he will not renew the loan of interest only therefore causing me to go into default with XXXX I was discriminated based on personal opinion of me as the emails he was sending will show. Therefore causing the loan to escalate into default intentionally. Also causing me to pay double in what was originally owed. At this current time I am in default with Clear Springs the loan servicer regarding this reckless intentional act on his part. When I did not want to take the new term on his terms and was not ready financially due to the recent injury of my father he was angry and refused to renew the interest only with the mortgage servicing company. The employees are advising many borrowers that they can have these loans on interest only and then bait and switch when a person or company does not want a new loan on different terms or chooses to have you owing an even higher amount in order to keep you in debt for a longer period than originally agreed due to high fees not originally agreed and terms that changed in order to benefit them and not the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
American Credit Acceptance is erroneously reporting payments after this account charged off XX/XX/XXXX. They continuously add payment history that shows payment, then they go back to reporting new 30, 60, 90 day lates to cause detriment to my fico score. They reported a paid status for XX/XX/XXXX thru XX/XX/XXXX and then 30, 60, 90 day late and Charged Off again for XX/XX/XXXX. They also continue to increase the balance owed but I have not recieved any statements. I was made aware of these errors using online versions of my credit reports but I have ordered paper copies so that I can provide them if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: MA

Complaint narrative:
ACI - American Coradius International LLC contacted me with a request for full payment for an amount due on my XXXX account. I closed the XXXX account and have made regular payments to XXXX. The account is not behind and is in paid each and every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Sortis Financial, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against ClearSpring Loan Services because they are alleging they are the servicer of a second mortgage loan I took out in XXXX with XXXX Bank, NA and was charged off in XXXX. For over seven years I heard nothing about this second mortgage because I was informed it was charged off. Clearspring Loan Services just came out of the blue and are trying to foreclose on my property on a deed of trust that has been extinguished. Not only has the deed of trust been extinguished by way of a charge off, on XXXX XXXX, XXXX I mailed them a letter of rescission. Upon learning that my rescission rights were still available under this loan due to the fact that my loan was never consummated because my true lender or the true source of funds were never revealed to me, I mailed Clearspring a letter of rescission. Under the Federal Truth In Lending Act, the deed of trust and promissory note are canceled, made null and void by operation of law. If Clearspring wanted to challenge my letter of rescission they should have filed a declaratory judgment against me within 20 days of receipt of the letter of rescission. Clearspring received my letter of rescission on XXXX XXXX, XXXX. Clearspring and/or the actual creditor this loan did not file a lawsuit against me. Furthermore, Clearspring have not taken any of the mandatory actions required under the Federal Truth In Lending Act. Instead of taking steps to provide me a release or reconveyance of the deed of trust, they are continuing their actions to try and foreclose on my property. The next scheduled foreclosure date is set for Tuesday, XXXX XXXX, XXXX. Clearspring is not only violating the Federal Truth In Lending Act, they are also violating the Rosenthal Act which is California Civil Code section XXXX. They are violating this Act by threatening to take actions not permitted by law, which includes attempting to foreclose on a void security interest, falsely stating the amount of a debt owed, and increasing the amount of a debt by including amounts that are not permitted by law or contract, and using unfair and unconscionable means in an attempt to collect a debt. I believe it was necessary for me to file this complaint because it appears Clearspring believes it can violate these laws without any consequences of their actions. I am seeking the assistance of the Consumer Financial Bureau to assist me in forcing Clearspring to abide by the law. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
Personal installment loan debt with Springleaf was settled and final payment of settlement was made on XXXX/XXXX/16. Springleaf has deliberately failed to mark the debt as settled and the past due balance as {$0.00} on any of my credit bureau accounts. Instead, they have updated the balances as if the final payment ( last of 7 previous monthly payments ) was the only payment ever made.

Company response to consumer: Closed with explanation