vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed items with Equifax numerous times over the past 2 years because I was a victim of identity theft back in XXXX. Several times Equifax claims that they are able to verify the information, but I know that to not be true because the debt is not actually mine. The latest case is related to the above Equifax case number where they claim to have verified a debt that was actually removed on an occasion prior. It was placed again by an agency that purchased the debt. I provided documentation to Equifax in the form of a signed letter from the original creditor certifying that the debt is not mine but they claim that it is genuine. 
I have also disputed several credit inquiries that are related to credit applications that I did n't not complete. Equifax claims these inquiries are factual record and will never be removed. This information is damaging to my credit report and is not accurate, therefore under the Fair Credit Reporting act they are required to removed everything that is not accurate. 
I have wasted hundreds of hours fighting with Equifax , and it is the most difficult of the XXXX bureaus to deal with. Everything in the last dispute I filed should have been removed because it is not actually related to me, and it is not possible that Equifax verified the information if they acted within the guidelines of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I tried to send money using western union and everything was ok until I got a text message saying the transfer would be delayed till I call a number, which I did and the gave me a XXXX digit number to return to the place where I sent the transfer from and get a refund. I returned to the place and they told me in order to get a refund the number needed to be XXXX digits and to go to a western union store and try and get a refund, unable to find one in my town so I would have to go out of town to try and find one, this is time consuming. they mentioned something about sending a check in the mail, then I started reading articles about their lawsuit, so I figured their credibility might be suspect and decided to come here instead of going round and round with them. 
They also had me talk to their fraud evaluation department, which I find extremely embarrassing, trying to answer question about my relationship to and with the recievers of the funds, so they placed the transfer on hold and eventually declined to send since I did not answer the questions to their satisfaction, I can understand it, but feel my money should be refunded or transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I went to a Western Union provider and filled out the order to send {$470.00} but added a " test question '' because the recipient had his wallet stolen and did not have an ID. The transaction went thru and printed me a receipt. The charge for the service was {$40.00} When my friend went to pick up the money he could not because the " test question '' was not listed on the transaction. The reason is that Western Union has a rule that you can not send amounts over {$290.00} with a " test question ''. So he could not get the money. I called and they told me to go back and get a refund. So I did but they said they would not refund the {$40.00} fee for sending the money. I do n't understand how they can charge me for this when I was not informed that this transaction would not be deliverable. I was printed a receipt. Their system should have not let this " undeliverable '' transaction to complete. I think their software should have kicked this back and should have not allowed this transaction to complete. I want my {$40.00} back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XX/XX/2016 I sent a Western Union money transfer in the amount of {$930.00} to XXXX XXXX with XXXX to purchase credit repair. Western Union had XXXX XXXX flagged as fraudulent in their system and they proceeded to ask me several questions about XXXX. I told them what she did for a living and what I was paying for. Western Union approved the transaction and did n't alert me to the fact that XXXX and this company was a scam. I never received credit repair services from this company and XXXX ceased communication with me. I was scammed out of almost {$1000.00} and Western Union is refusing to refund it. Control # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Patenaude & Felix A Professional Corporation
State: AZ

Complaint narrative:
I received a message from Patenaude & Felix APC stating I have a complaint against my name and social security number and a warrant was going to be issued at XXXX tomorrow XXXX/XXXX/2015. This is a collections agency/ law office and I 've been ignoring they 're prior calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BYL Collection Services
State: CA

Complaint narrative:
I received a collection letter from BYL Collection Service. It is for a gas company I do not owe money to. The name of the Gas Company is for XXXX XXXX XXXX. I am currently subscribed to the Said company but I am current with my account. The account number listed on the collection letter does not match to my gas account number. I have sent them a letter demanding proof for the time being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
check smart is corporate office for Easy money in XXXX tn. At first the local Easy Money on XXXX XXXX in XXXX kept calling me XXXX times a day every day. Now the corporate office called check smart calls me every day including Sundays! I have sent them a letter requesting they contact me with correspondence and not to call me at work, but they are also calling me at work as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I SENT {$1000.00} TO XXXX THROUGH XXXX XXXX. THE RECEIVER NEVER RECEIVED THE MONEY AND XXXX XXXX REFUSES TO REFUND ME MY MONEY. THE TRACKING NUMBER IS XXXX. MY NAME IS XXXX XXXX PHONE NUMBER IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 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: OH

Complaint narrative:
Had mortgage that sold and they wanted to refinance at lower rate, They never got around to the refinance and account was caught up, then it was sold again. My payments were not being pasted to my account but was put into an escrow account. My mortgage did not have an escrow account but they refuse to give me credit for my payments. They are trying to force us into refi at a much higher rate and keep increasing my payment .But they keep taking my money but not giving credit. THE NAME IS BAYVIEW LOAN, SERVICE, XXXX of XXXX, FL XXXX. PH XXXX. They do not answer the phone or written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: SpeedyCash, Inc.
State: FL

Complaint narrative:
I payed speedy cash awhile ago and I do n't understand why that it is not taking of my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
The collection agency told me they would send exactly what the debt was pertaining to and I never received anything. I called XXXX and they told me they did n't know what I was talking about with the debt because I was paid up

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: IN

Complaint narrative:
I issued a stop payment on a check after checksmart refused to work with me after i lost my job. they have been calling me up to 9 times a day demanding payment in full, or that i ask a relative. They have refused my offer to set up a payment plan and have threatened to go into my bank unauthorized and deduct the funds illegally. I told them that i didnt have the money, but i wanted to get the debt paid on an installment loan plan, the refused and they will not quite calling. ive lost my job and have kids to take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: HI

Complaint narrative:
I previously submitted a complaint on same company in XXXX ( case # XXXX ) I received letter from creditor on the case # for Bayview Loan Servicing stating they would discontinue all collection Activity on the loan ( DISCHARGED ). 

I have now received a billing from them again for change of my mortgage interest rate and that I owe {$5000.00} that is due XXXX XXXX, XXXX. 

I spoke with Bayview this afternoon and they said I will have to send them a letter and documentation to show the mortgage account was include in my bankruptcy ( Chapter XXXX - XXXX ). 

they were suppose to have all this information and correct their records back in XXXX as per my case # XXXX. 
THIS IS A DISCHARGED DEBT .... CREDITORS WHO VIOLATE THIS ORDER CAN BE REQUIRED TO PAY DAMAGES AND FEES TO THE DEBTOR ... 

Do you need me to submit all the documentation again? 

they need to stop, HOW MANY TIMES DO I HAVE TO CONTACT THEM AFTER WE TOOK CARE OF THIS IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE
State: IL

Complaint narrative:
I opened a checking account at Charles Schwab and received a confirmation letter indicating that a principal had verified my information and that the account was opened ( the letter is attached as a reference ). I proceeded to set up online access and linked my eternal bank account. Charles Schwab deposited trial deposits into my external account and I verified them on the Charles Schwab website as instructed. I setup a transfer of {$50.00} to fund the account, so the debit card would then be sent out. Additionally, I was beginning the process to setup direct deposit. The subsequent day I tried to log into the account via online access and the mobile app, but was denied. I called Charles Schwab and they said my account had been closed. The representative indicated that after opening the account they received information that I did n't meet the criteria of their account standards. The issue I believe to be of concern here is that I received a letter which clearly states that the account was opened and the information I provided was verified. How can an account legally be opened ( information verified ) and then revoked for no cause?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 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: PA

Complaint narrative:
My name is XXXX. I am filling a complaint about Bayview Loan Services Mortgage Company, XXXX FL. I am a home owner in XXXX, PA. Bayview bought out a loan from XXXX XXXX XXXX , in which I was in compliance with them about a modification that was offered to me. I started questioning this company about how they wanted me to submit my payments. I discussed with them linking up my checking account to take out payments each month which they agreed to but it NEVER happened. I had a contact person in which they kept giving me the run around. And now they are stating that I am two month behind. I did all the paperwork and have all my receipts. I have called numerous times and do n't want to fall anymore behind with payments due to late fees. I also have a gut feeling this company may be a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Creditors Bureau Associates
State: AL

Complaint narrative:
This account has been paid. I contacted the original creditor and verified a zero balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I settled with the attorney that represented XXXX XXXX XXXX, XXXX XXXX on a debt I owed. Patenadue & Felix represented XXXX XXXX and never notified their client and XXXX is still showing a negative account impacting my credit rating and obtaining a new job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
In XX/XX/2010, years after having XXXX, my XXXX again, forcing me out of work. Seeing a potential problem on the horizon, I contacted my lender, XXXX, to get into the HARP program. I filled out the required documents, and met the requirements for HARP. I spoke to the bank rep that worked with HARP/HAMP. He asked me " are you having problems making your mortgage payments? '' I replied that things were tight, and that is why I wanted to refinance the mortgage and equity loans. 
Unknowingly, I was put into the HAMP program, and was told to make reduced payments for a trial period. I did this, not knowing any better. About five months later, I get a package in the mail, stating we had been accepted into the program, and our mortgage payment would be about {$120.00} lower then the original monthly payment, and the loan would be extended for 40 years. That would have me making payments until I was XXXX years old, and the XXXX was more then I was paying during the trial period, and would be swallowed up with the next property tax and insurance increase. I opted out of the program. By this time I had been notified that this was HAMP not HARP, and because I was making reduced payments, I now had a history of late payments and was then, no longer eligible for HARP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
As with File no 2016 - CFPB XXXX Navy Federal Credit Union froze all my accounts and limited all access to accounts for any past due payments as late as 5 days. My question is what penalty is being paid to those who had accounts froze. I read those that were sent debt collection letters are eligible for up to {$1000.00} however, what about us that have accounts illegal froze. Are we at least able to individual sue them for violations?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
My house is approved to close on a short Sale with Wells Fargo with a deadline to close by XX/XX/2016. 
Unfortunately the buyers title insurance company is requiring the signer of a previously filed assignment of mortgage between Mers and Wells Fargo be authorized in accordance with Oklahoma state law ( see Oklahoma Assignment and Satisfaction of Mortgage Law ). 
This assignment was signed by a secretary using an ink stamp and wells Fargo is refusing to show proof that this signer was authorized. Wells Fargo has stated the we will have to subpoena them to get a corporate resolution stating that the signer was authorized. 
I am attaching the approval letter, a copy of the assignment of mortgage in question, a copy of the title insurance policy requirement ( see line XXXX ), and a similar corporate resolution from Wells Fargo that would solve this problem ( given to me by the team helping me with a short sale ) We have provided everything Wells Fargo has asked for. 
Please help me to avoid foreclosure! We are so close! 
XXXX XXXX

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 2017-03-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
WELLS FARGO AUTO LOAN ( Dealer Services ) Ran into a bumpy month and the payment declined. ONLY problem we have had paying in about two years on the loan with them. Normal monthly payment {$360.00}. Called to tell them I would pay the XX/XX/XXXX. Go to pay it two days later, on the XX/XX/XXXX - the overdue and the current month- totaling {$720.00}. Am informed they wo n't allow me to pay online or accept my bank check. I can only pay over the phone and the only amount they will accept is the full amount with fees which is now {$980.00}. I said I do n't have that the woman on the phone became nasty. " Why, why ca n't you pay what are you doing with your money what is more important than paying for your car? '' Seemed to enjoy it, smile through the phone. Refused to accept any payment from me and also told me " I do n't care what you was told yesterday, today I am not taking that payment over the phone. '' So they wo n't accept my money after charging more than I owe and can afford after almost two years of perfect pay history and treated like a scum bucket for trying? So what can you 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 explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Based on recent news reports, I believe I have a situation where a Wells Fargo employee forged my signature to cosign a line of credit loan with my former business partner. On XX/XX/2013, Wells Fargo emptied my savings account {$5100.00} claiming right of setoff. I spoke to and sent a letter to Wells explaining why the signature on the loan was not mine. In my letter, I attached a copy of the partner tax return showing that I had sold my interest in the business to my partner over a year before I supposedly signed the loan document. I would not co-sign a loan for a business that I had no interest in. I also explained that I had moved to XXXX from XXXX. There is a XXXX. fax number on the loan document, but no fax number from XXXX. 
I always sign documents using my middle initial. The loan document front page has my typed name XXXX XXXX XXXX, however the signature page is typed and signed XXXX XXXX. I provided Wells a copy of my signature on the XXXX document and my Wells Fargo checking account signature card. Both signatures are signed XXXX XXXX XXXX. The signature on the Wells document is vastly different from the XXXX signatures I provided. Because I did not sign the Wells Fargo loan document, I demand Wells return my money. 
attachment XXXX : XXXX pages Wells loan document attachment XXXX : XXXX page, Wells checking account signature card attachment XXXX : XXXX page, signature page of XXXX

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 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: BlueChip Financial
State: GA

Complaint narrative:
Unauthorized inquiries causing hard hits

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for a home equity loan in XXXX 2016. I was pre approved in XXXX. Wells fargo ordered a full appraisal of the home. when i received the appraisal back it was clear the to appraisal company did not calculate the square footage of the home correctly underestimating the square footage by over XXXX square feet. I brought this to the attention of Wells Fargo and they agreed an error had taken place. They escalated the complaint ultimately to the executive resolution specialist who after months of delays of supposed 'research ' sent me a form letter that home values are subjective and they are closing my application. There was not even a an attempt to address the fact that the appraisal company used a square footage that is over XXXX square feet smaller than the home liste square footage at my county.

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