vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-21 00:00:00
Product: Other financial service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: WY

Complaint narrative:
First off, the money is not lost or stolen. It was damaged and I possess what is left - about 75 % - enough to read the amount, who it should have been paid to, my address, most of my signature, the routing and numbers on the bottom, and where I purchased it from. 

The money order I purchased to pay my rent was returned to me by the US Postal Service with an apology for damaging my mail. I took my purchase receipt, the money order receipt ( bottom portion ) plus what was left of the money order and the USPS enveloped back to the place where I purchased it but they were unable to replace it. I called the Western Union customer service number and spoke to XXXX who proceeded to inform me that I needed to fill out the back of the money order receipt, include {$15.00} payable to them in a personal check and then wait 60 days. Why? I do n't want a refund. I want them to take the damaged money order I paid cash for and replace it. I do n't want a stop payment. I do n't have 60 days to wait and my landlord wo n't wait. Today, I have accrued {$80.00} in late fees. To say I 'm on a budget would be an understatement on a grand scale. 

XXXX put me on hold while he went and found his supervisor. Then when he 'found ' his supervisor and transferred the call, well I waited on hold for 30 minutes before hanging up. 

Bottom line here, Western Union was paid for a service with cash. They are now collecting interest by withholding my funds and want another {$15.00}. Not acceptable by any means.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Other financial service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: DE

Complaint narrative:
Purchased a money order to pay my rent. Landlord returned money order stamped " REFER TO MAKER ''. Contacted Western Union who stated that money order was cashed. I sent paperwork to Western Union to have money order traced on XXXX/XXXX/2015. Have not heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I make a Money Transfer by Western Union from XXXX to XXXX XXXX. I receive a MTCN number for the transaction, but when I went to take the money the western union agent do not have all the money necessary to pay me ( total amount of {$180000.00} - american dollars ). So I receive two checks : one of {$100000.00} and other of {$80000.00}. 
The problem is that when I deposit these checks in my bank accounts XXXX XXXX Bank XXXX the bank refused the check of {$100000.00}, saying that the check does not have founds and close my account and hold this check for many days. When I receive the checks back I try to talk with the Western Union, but I do not receive any answers or help even trying to talk with different agents. The XXXX XXXX Bank refused the check too. 
I would like to take my money in cash as soon as possible. I am waiting for a solution for about 3 weeks and I can not wait anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE
State: SC

Complaint narrative:
XXXX XXXX has made and error and now XXXX is missing and ca n't be accounted for .. have been working with them XXXX but now they will not return my calls ..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
My wife used to send money to XXXX. she died XXXX 2015. I continued to send money but did not delete her name or add mine. requested refund of XXXX due to non contact of recipient. Faxed copy of death cert, XXXX forms of gov id and notarized signature. WU req Letter of Probate. Assets devolved to me and probate not necessary and did not occur. My wife died in XXXX and could not have sent money in XXXX. Common sense should prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: P.S.C., Inc
State: WA

Complaint narrative:
This bill belongs to my ex wife for her child, XXXX XXXX who is not my child. The military allowed step children to be on my insurance. This DOES NOT make me responsible for her bills. Her parents, XXXX XXXX and XXXX XXXX are responsible for this bill NOT ME. We were separated and preparing for divorce at the time. I never signed taking responsibility for her bills other than providing insurance coverage for her as allowed by law. Allowing the childs mother to put me as being responsible for their child does not make me legally responsible for their bills. 

There are XXXX accounts for this child that have been sent to collection in my name! I want all XXXX removed immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
I have a mortgage with XXXX ( XXXX XXXX XXXX ). I wanted to pay on line so they transferred me to Western Union Speed Pay on the web. I put in all my information, and submitted it. After that, I realized that I may have left off a digit in the bank routing code, but there was no way I could tell as the pop-up screen was gone. I would like Western Union Speed Pay to send a confirmation or problem report to the email address I provide, it would make life simpler.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monarch Recovery Holdings, Inc.
State: MI

Complaint narrative:
Monarch Recovery sent me a letter stating I owed over {$320.00} for a debt through XXXX XXXX XXXX, a credit line through XXXX that I 've never used or authorized to use. The letter gives no information other than this, so it 's completely unhelpful and vague. I have never received any notice from XXXX XXXX XXXX stating I owe money. Once again, I 've never used it or heard of it until I received this letter. I 've never made late payments on anything in my life and have worked hard to maintain an excellent credit score. My credit score is now ruined because of XXXX XXXX and XXXX XXXX XXXX because of their false claims. I had never heard of either one of these entities until I received the debt collection letter, but by then it was too late. Apparently my credit reports were notified of this whole thing before I was. It 's amazing how hard you can work for so long for something and how easily it can be taken away without reason. It really upsets me.

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 2016-02-25 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
Was contacted by Cans Central of Tennessee, LLC address XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX phoone XXXX saying that I owed them money on a payday loan. I have never applied for a payday loan and do not have any idea who they are or where they are. They would not provide me an ip address or any other information and all they had was my name address and home phone number. They asked me for the last XXXX digits of my social to verify but they did not tell me the number they had. I called them back and they sent me a letter telling me how to dispute the charges. I have never made the charges why do I need to defend something they cant prove I did because I did not make this loan and they cant tell me where they even sent the money supposedly borrowed. I contacted my attorney and he told me to make a complaint here and he is going to send them a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Windham Professionals, Inc.
State: OR

Complaint narrative:
I 'm getting robo calls from a debt collector weekly since XXXX XXXX for a relation, XXXX XXXX. The automated voice says if I 'm not XXXX XXXX I should disconnect immediately. Well I 'm not XXXX XXXX and I 'm getting this voice mail every week and I need it to stop. I 've gotten a call on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have tried to block this call and it still keeps coming through. 

I have records of these calls through my voicemail transcription service. This is what the first 30 seconds says. 

" Hello this is a message for XXXX XXXX. If this is the wrong number please call XXXX to have it removed. If you 're not XXXX XXXX please disconnect immediately. XXXX you should listen to this message in private as it contains private information I 'll pause you can do so this is XXXX XXXX XXXX with Windom professionals a court ... ''

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 2016-11-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Disputing the multitude of lies from Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Integrated Recovery Services
State: OH

Complaint narrative:
They keep calling looking for somebody I do n't know. I 've called them back many times nicely telling them I do n't know the person and to stop calling me. The last guy told me they 'll keep trying to reach this person at my number and I am welcome to file a complaint. They have several phone numbers so it 's always different I 'm trying to block.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a large loan with Wells Fargo Bank. I have been paying on the loan for many years and it has a 'balloon ' payment due in XX/XX/XXXX. It will be about $ XXXX. I do not have the resources to pay off this loan in full. I sent letters to Wells Fargo asking that the loan be restructured/modified so that I can continue making payments. I made a proposal for a workable payment amount. I also offered to 'settle ' the loan for something less than the balance owing. Wells Fargo has declined to provide any help stating " that your financial situation precludes Bank from making a counter proposal. '' My financial situation is that I have exemplary credit and a high credit score. That does n't mean that I have {$70000.00} that I can give them in XX/XX/XXXX. That is why I reached out to them more than a year early. I need someone in Wells Fargo 's organization to work with me. When I asked the vice president I was talking with what they would do if I could n't pay off the balance, she told me they would hand the account over to their attorneys.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear whom it may concern, Hi, my wife and I bought a XXXX house in 2013 and recently began to refinance our mortgage because we thought that we could get rid of the PMI since our property value has gone up and our principal seems to be lower that 78 % of our home value. However, we just found out that we can not cancel or remove the PMI because our loan process was finalized after the XXXX XXXX, 2013. We wonder if it 's true that there is no way to cancel or terminate the PMI until we pay the mortgage in full. Also, I now remember why our loan process was dragging for such a long time and I am curious if the lender was intentionally postponing to make the deal. 
Anyway, we would appreciate if any of you could clarify the rules regarding termination of PMI for us and let us know there is any way for us to avoid the ridiculous amount of the PMI fees. 

Thank you so much for your time and help in advance. 

Best wishes, XXXX from XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Consumer Finance, I contacted Navy Federal Credit Union ( NFCU ) on XX/XX/2017 to reactivate an old savings account over the phone. During that time on the phone with NFCU at NO time was I informed or authorized anyone to hard pull my credit. On XX/XX/2017 I was then notified by my Credit monitors XXXX, and XXXX that NFCU pulled a hard pull of my credit w/ out my authorization. I contacted NFCU customer service regarding this and they suggested I file a dispute with XXXX to fix the issue. I contacted both XXXX, XXXX, and XXXX to dispute this incident due to the fact I did not give permission for this pull or was I neither informed by NFCU it was going to be pulled. XXXX provided me with instructions to dispute NFCU 's mistake ; I contacted NFCU the same day to start the dispute process. All NFCU needs to do is to provide a letter. To be exact a Deletion Letter for Inquiry. Then I am required to mail said letter myself to XXXX along with a Cover Letter, and my XXXX File # XXXX. TransUnion will then be able to delete NFCU 's unauthorized mistake from my credit. Unfortunately, NFCU will not provide me with such letter after many attempts requesting it. I even suggested NFCU to call me so I could conference them in with XXXX so they could repeat the process to NFCU to fix the issue NFCU created. Consumer Finance thank you for taking the time to look over my issue and helping to resolve it. Respectfully, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Integrated Recovery Services
State: CA

Complaint narrative:
I received a voicemail stating I was being implicated in a legal matter and I needed to call their mediators and submit a statement and agree to a settlement to avoid further legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo Home Mortgage continues to use the United States Postal Service to mail fraudulent statements to me, claiming I owe them over {$200000.00}. I never contracted with Wells Fargo Home Mortgage. They continue demanding unsubstantiated amounts, usually in the range of thousands of dollars at a time. I have written many times asking for verification of this alleged debt and have not received proof they are the holder in due course.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 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: CB1, Inc.
State: MT

Complaint narrative:
This matter has been resolved as of XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Me and my husband open a Wells Fargo account on XXXX/XXXX/2016. The first couple of days was fine until XXXX/XXXX/2016 I got a call from the fraud department saying that my account was flagged for suspicious activity. Someone got access to my online account and change my personal information around. I had to verify it was not me and to give them the correct info and everything was fine. The next day I tried to use my card in the store and it was declined. I called Wells Fargo and they told me that my account was on hold and schedule to be closed on the XXXX of XXXX. I said " why '' and they told me of XXXX checks for {$2500.00} that was deposited into my saving account was fraudulent and was return. I explained to them " what checks? '' what are you talking about? They proceeded to tell me they spoke with a man over the phone about my account information and the fact that my account be closing and the man told her that he was my husband. I assured her it was not my husband so she told me to verify my address and phone number, I did and she told me it was not correct!!! She told me to file a fraud report but it wo n't help because my account is closed and debit card is closed as well. i would have to wait 2-4 weeks for my cashiers check to come. I told her it is going to go to the wrong address because the address is not mines!!!! She said she was sorry but it was nothing she could do.

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 monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
My complaint is Wells Fargo mortgage. My complaint # XXXX. I 've been Wells mortgage since XXXX XXXX. When I brought this property, there 's XXXX separate lots only XXXX lot with mortgage. Mortgage on address XXXX XXXX XXXX XXXX XXXX Oregon XXXX. Other XXXX lots is has no mortgage. Although when I purchased this property it was all connected. 
On XXXX XXXX XXXX I spoke to XXXX XXXX of Wells to resolve. I told Wells is not right. What I 'm fighting about is that Wells is making me to pay all XXXX property tax lots. Before refinance, which address XXXX XXXX XXXX XXXX property tax included in mortgage. After refinance XXXX XXXX XXXX XXXX is not include property tax in mortgage. It was never brought to my attention at the time of refinance. In my first payment I discover it Wells withdraw more than I 've agreed. 
Wells said all XXXX property tax lots I 've to pay. I told them, escrow XXXX XXXX XXXX XXXX property tax should be included in mortgage. Indeed I will pay XXXX other property tax lots ( which does not have mortgage ) or I will pay XXXX property tax lots on my own but Wells is not willing to do that instead they like to bundle all together. I do believe Wells see loop hole with XXXX lots and make it confusing to understand. The reason wells got involved I owned property tax on the other XXXX lots was discovered in XXXX. 
From beginning bad communication and never return phone call. It 's was so sloppy we missed closing in XXXX XXXX. XXXX said I 'm long committed customer to them and offer me XXXX steps refinance at 3.5 % with no closing cost. XXXX XXXX in our last conversation said I am XXXX with this and I agreed to this. That 's XXXX! We do not have agreement. I need help resolve this issue. I look forward to hear from you. Thank you

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 monetary relief
Consumer complaint received 2015-08-25 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: SECURITY FINANCE CORP
State: NV

Complaint narrative:
Unknown, unverifiable and outdated. I have done business in the past years ago with this company and accounts showing in good standings except for XXXX. Disputed with no outcome. Please help assist me.

Company response to consumer: Closed
Consumer complaint received 2016-06-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union is Reporting an Authorized User File on my Account, both myself and the Original Owner have asked for me to be removed, XXXX is stating that the information is accurate, however, I am not the owner of this account, it is showing late payments and affecting my credit. Just as the other bureaus have removed this from my file, I expect XXXX to remove it as well.

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