vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-24 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: IA

Complaint narrative:
Western Union claimed my friend would get the money in minutes. I did the entire process correctly and even called to verify everything and speed u the process. The lady on the line told me everything was set and the money was available for pick up. My friend waited hours then was told it was still on hold. I had tried to cancel my transaction XXXX just to be told my money would n't refund to me for 3-5 days even though it never even went anywhere to begin with! This was my first time ever using this service and my last!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 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: MD

Complaint narrative:
I was looking for someone to help me with my mortgage payments i was refered to a person who is a specialist. in home modifications, he asked me for. all the requirements and asked. me to pay him for his help,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 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: PA

Complaint narrative:
I recently filed a complaint with the XXXX regarding Bayview Servicing mortgage company. Recently I refinanced my mortgage through a different mortgage company to get away from Bayview. The customer service is horrific and each time you call a representative tells you something different the information provided is consistently inconsistent. I have made over a XXXX attempts to contact Bayview regarding the my XXXX mortgage payment which was paid on XXXX XXXX, 2015. When I requested a payoff statement the statement indicated that monies was due for insurance, mortgage payment and " potential late fees. '' This evening I spoke with a representative and she stated that she has limited supervisor support in the evening and could not provide me with any information regarding my account. The representatives are not knowledgable regarding the product and/or services that Bayview offers. Please help me with obtaining any and all funds owed to me by Bayview. My loan that was sold to Bayview is paid and full which included inappropriate charges. I called many many times to challenge the pay off amount and was told that the amount was correct. The loan was paid off and now I have to fight with Bayview to get my money back. They are rip offs and should not be privileged to service mortgage borrowers. I have spend hours and hours on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Western Union ( WU ) accepts money for transfer then refuses to complete transaction. Discrimination issue : WU refuses to process transactions to XXXX ( XXXX ) for typhoon relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI

Complaint narrative:
I called bayview to ask why they were charging me late fees on my mortgage, when I send my payments two weeks ahead of time.I can send my payments on the first of the month and by the XXXX. off the month and they will tell me they have not recieve my payment and will charge me a late fee, I have until the XXXX of each month before my payments are late.When I called bayview loan servicing on XXXX XXXX, 2015 an ask when will they send my XXXX to file my taxes, they said that it will be mailing them out on a saturday XXXX. I waited until the end of XXXX and I still did not recieve a form. I called bayview back and they said oh we sent them out and if it do n't come go online an get a copy on their web site. I went on their web site an could not find it When I called them back and asked about my XXXX, they did'nt want to talk about the form an kept asking me why they have'nt recieve my payment. I called back in XXXX and asked them to send out a XXXX again, an all they wantrd to talk about was my payments being late. All along its seem like l am getting the run around, I 'm still waiting for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Restricted # called ex-family member and provided same information. Then called me. This was in regards to my adult son, who has not lived with me for 7 years. Left a message on my phone that a case was filed against him in our local court, have an order to locate. Has been instructed to contact my sons employer. They are in the process of locating him at his work or residence right now. Once filed, he forfeits his legal rights. Call XXXX. Case # XXXX. I called this number and told them they were not allowed to reveal that information and were in violation of sections 804 and 805 of the Fair Debt Collection Practices Act and I would be filing a complaint. Also instructed them not to call me again. When phone was answered, said company was Midland, a litigation firm, and that they were out of New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2016 started loan application with CashCall Mortgage. By XX/XX/2016 I had provided them with all requested documents. The appraiser they selected cam out XX/XX/2016. The agent was telling me he had locked our loan at 3.625 % no fees and cash back loan 30 yr fixed. Said he needed all docs signed and sent back. I informed him he had not sent me anything. He tried to send them by XXXX XXXX, but said they were having problems with the software. The processor was able to send them to me and we electronically signed them and got confirmation from her that she received them the same day XX/XX/2016. The agent then calls me and tells me they are not going to fund the loan because the lock is going to expire and I did not get them the docs back in time. They sent us a XXXX with the same docs that we signed electronically, and we sent it back also the same day. I argued and asked to speak to his manager. That has never happened, and our loan has not funded. I am extremely upset about this. I need some help to get this loan funded. Closing Disclosure dated XX/XX/2016 signed the same day. Closing date was to be XX/XX/2016 and Disbursement Date XX/XX/2016. Please help.

Company response to consumer: Closed
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: DISCOVER BANK
State: UT

Complaint narrative:
I was not able to make last month 's payment to Discover Card, because I needed to pay my Bankruptcy Attorney. On XXXX XXXX I started to get the collection calls. My bankruptcy attorney advised me not to answer the calls until I could provide them with my case number. My phone number is confirmed in their system, as I have made many calls to them from this same number in the past. Per FDCPA, collection call attempts are limited to XXXX times per week on a verified number. On Thursday XXXX XXXX, I received XXXX call attempts.On Friday XXXX XXXX I received XXXX call attempts. On Saturday XXXX XXXX I received XXXX call attempts. This totaled XXXX call attempts for last week. On Monday the calls continued. On Monday, Tuesday, and Wednesday, I received XXXX call attempts per day - totaling XXXX attempts and the week was n't even over. Additionally, I received XXXX messages, and neither of them included a Mini-Miranda as required by FDCPA. The XXXX message was received on Monday XX/XX/XXXX XXXX. According to FDCPA, the collector must allow XXXX hours before re-attempting after leaving a message on a verified machine. My full name is provided on my answering machine, thus it was a verified machine. The XXXX message was received on Tuesday XX/XX/XXXX at XXXX. My Chapter XXXX bankruptcy case was officially filed on Wednesday, XX/XX/XXXX. I answered the XXXX attempt from Discover Card that day at XXXX, and advised the representative that my call was being recorded as well. She advised that Discover Card does not " give me permission '' to record the call. I ignored her. She then proceeded to discuss my account details without proper verification, and she did not recite the Mini-Miranda either. I stopped her and advised I had filed bankruptcy. She acted as though she did not believe me. I provided my attorney 's name, attorney 's number, chapter XXXX, and case number. She then continued to try to collect by stating that I 've had an excellent payment history in the past, and that I would have difficulty getting a discharge because my last purchases were as recent as XXXX. I advised her that she would need to speak with my attorney in regards to the matter. She persisted, and tried to convince me that I would have a difficult time filing. I again advised her to contact my attorney. The call was then terminated. Later that evening at XXXX on XX/XX/XXXX I received a collections email from Discover Card indicating my total balance, my past due amount, and the Mini-Miranda was finally provided. Regardless, I had provided my bankruptcy information XXXX hours prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
Legitimate Real Estate Agent XXXX XXXX XXXX contacts me and says he has a buyer for my XXXX timeshare. He says I have to send a cashiers check or postal money order to XXXX XXXX XXXX, a title company in California to have the title search report done on my timeshare. I send XXXX via Postal Money orders off my debit card to XXXX and as soon as I do this, I get another email from XXXX XXXX saying there is a problem and he needs to send a courier to me to sign the documents in person and then I 'll get my money. When I try and call him or email him, all phones are turned off and XXXX is now off the " Online XXXX '' which I later find out is fraudulent in and of itself and I 'm out my money. I file fraud complaint with Charles Schwab Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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: MO

Complaint narrative:
XX/XX/2016 Letter says my last draft did n't clear. My credit union shows it cleared on XX/XX/2016. 
After years of hassle-free service from XXXX, I 'm constantly complaining about Bayview. Apparently, my only chance for peace of mind would be to refinance but I might get stuck with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NV

Complaint narrative:
Hello, I used Western Union ( WU PAY ) service to send money to XXXX for emergency on XX/XX/XXXX. I call WU on XX/XX/XXXX to see if they got money from my bank yet and they said due to technical issue so they have not received the money yet. I called my bank company to check if my money has been sent to WU and I was told that money has sent to WU. I called WU pay back and explained to them and was told to call back in 24 to 48 hours to check the status of the money. I called them back daily after the XXXX and until the XXXX I got an email like this : " Your payment was received on XXXX. We sought the assistance of our escalations team to allocate your payment to the order. We had a technical issue that was identified and in the process of fixing it. We will notify you once response is receive. We do apologize for the inconvenience. " I called them right after the email on the XXXX and was told my transaction has been cancelled and I will receive the refund within 3-5 busniness days. I questioned them why did not they notify me about the cancellation and the answer was : " you did not receive an email from us yet? I am so sorry if you did not " Today is XX/XX/XXXX and after spent 5 hours of talking, waiting from dept to dept I still have not received my refund yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP
State: UT

Complaint narrative:
Subject : Loan Modification RMA was Denied. Homeowner is claiming mortgage discrimination in the follow : Discriminatory Unfair Evaluation of Request for Loan Modification, PRA Principle Reduction Alternative. Homeowner claims is qualified under the appeals section within the DOJ/National Mortgage Settlement Agreement. 
This homeowner, feels that our case has been unfairly treated for the following reasons:1. Homeowner was denied for financial DTI Debt to Income ratio and the LTV Loan to Value percentage. 
2. Homeowner provided all the documents in a timely manner. The denial is unjustified and unfair. 
3. The bank stated that the homeowners income was low and could not afford their mortgage. 
The denial did not use the property value in the consideration the property was underwater. 
4. Key Bank did not use a NPV Report within their basis for denial. 
5. The homeowner had a first mortgage modified and has made more than the required 12 months of payments on time. 
6. The homeowner was separated from his his wife the cost of the XXXX household and wife and child support caused a extreme financial hardship : which caused to late payments on the mortgage. 
7. The Key Bank stated that homeowner does not meet the requirements? Homeowner was not provided a list of requirements, or given a basis of denial within the denial letter XXXX/XXXX/2015. 
8. Upon the denial of a modification, an appeal was verbally filed with Key Bank representative XXXX XXXX at contact number : XXXX, homeowner is within the 30 day appeal requirements. 
9. Since the denial of the loan modification, homeowner has requested via an authorized third party copy of the NPV Report, a basis of denial report, was the waterfall process used within the denial?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Machol & Johannes, LLC
State: WA

Complaint narrative:
I have been paying on this XXXX XXXX account for 3 years. I have paid faithfully. Now that the actual principal has been overpaid by me, I have offered to settle 2 times. Both offers of settlement have been ignored. The original debt was only XXXX and I have paid almost XXXX to this date. The debt Representative XXXX told me last YEAR that he would not stop the interest on my account unless he was able to contact me by phone every morning before I leave for work. XXXX told me he needed to check to make sure I was working even though I 'm a XXXX worker and only able to work part time. They garnished my daughters bank account last year and received child support. I have asked 4 TIMES for a WRITTEN financial account off fees paid to me mailed to me and XXXX refused. For some reason, these aggressive debt collectors falsely believe that unless they speak to me on my personal phone, then they are allowed to ignore me. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: IL

Complaint narrative:
I sent a wriiten letter to the corporate office of 1st financial loan asking them not to contact me because they were calling three to four times a day six days a week. They continue to call me from different phone numbers some just hang up oncethe call gets answered by my voicemail. Today on XXXX/XXXX/2016 I received a call from XXXX which left a voicemail saying it was from corporate office asking me to call them about some appointment that I never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
Monday morning at XXXX, I received a unknown number leaving a voicemail in a aggressive manner that if I do n't call back they will have someone pick me up where I live. It 's a payday loan from cash central. My bank account I had was closed at the time because they kept trying to take money out causing it to closed. Now they saying by XXXX XXXX, I can pay {$680.00} or {$100.00}. I never even received no email or letter. So I think they are lying and I do n't appreciate them calling my XXXX house threatening me and rushing to make a payment. Their are tons of people who owe {$4000.00} payday loans and getting away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Apex Resolution Group LLC
State: OK

Complaint narrative:
Apex resolutions out of XXXX NY, called me for the first time on a rotor dial call, said they were seeking out employment verification and would pursue collections on my bank accounts. Have it all recorded.No fdcpa required announcement of a debt collector or identification of the company calling. Just threats on the very first call

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMCOL Systems, Inc.
State: NY

Complaint narrative:
I never used the services of this medical group Amcol Systems.They ruined my credit by filing a open collection judgement on my XXXX credit report.If someone else used their services with my last name it was not me.I have never been to South Carolina

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Stephens and Michaels Associates, Inc.
State: VA

Complaint narrative:
Collection Company Name : Stephens Michaels & Assoc. 

Representative did not give her name until I asked, rep. never notified me call was attempt to collect debt, rep. never told me call was being recorded, rep. also claimed that there was supposed to be a pre-recorded message verifying all of those things before our call was connected ( implying auto-dialer ) but recording never happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 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: CA

Complaint narrative:
Bayview Loan Servicing would send me a voluminous amount of letters stating that Bayview would like to help me avoid Foreclosure ; With options such as a Repayment Plan, Short Sale, Modifications and/or Deed-In-Lieu of Foreclosure. My home has an accepted purchase contract of {$530000.00} and is currently in escrow. The current total unpaid principal balance is approximately {$470000.00}. But with the late fees and other charges to Bayview Loan Servicing, the total payoff amount is about {$500000.00}. To make a long story short, because I need to pay fees and closing costs ( escrow fees, title insurance, real estate agent fees, HOA documents, transfer fees, government recording fees, termite repairs, etc., ) associated with selling a house ; I requested Bayview to waive about {$4000.00} from the {$500000.00} Pay Off Amount so we can close escrow. Bayview said " No. '' So, I asked Bayview if I can do an IOU ( installment agreement ) for the {$4000.00} shortage and I would pay Bayview in installments so that we can close escrow. Again, Bayview 's answer was a " No. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
received a phone call from a XXXX XXXX telling me that he is with my mortgage company, Bayview Financing. he asked for my s.s. number or loan number. i gave my loan number. he was able to pull up my loan information. he then said that today is the deadline for a loan modification. he offer to lower my payments about XXXX %. BUT, he needed the first of 3 trial payments TODAY. I asked for an email from Bayview reviewing these terms. after initially agreeing to do so, he then exclaimed that i was on a no email list. This is when i knew it was a scam. when i asked for more of his information, he hung up. the call came from XXXX his voice mail left his direct line of XXXX which is the line i called and he answered. losing your home is traumatic enough without these people making it worse.

Company response to consumer: Closed with explanation