vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-18 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I have wired {$23.00} and transfer fee of {$5.00} to the XXXX on XXXX XXXX with MTCN XXXX. The transaction did not go through but Western Union did not refund the total of {$28.00}. They said there was an error in the recipient 's account. I told them that it was not anybody 's fault so I just want to get refunded but they saod they will not return my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
I filed a spousal visa for my husband and immigration request that I submit proof of financial support to my husband while he is in XXXX. Since 2008 I 've been sending my husband money via Western Union and over 10 times I have called and made a request for this information to be sent to me via email and mailed. I have completed requested forms of consent and sent along with copy of drivers license. To date, I have not received this time sensitive information immigration has requested with DEADLINE despite speaking to multiple representatives and supervisors. On several occasions I have been promised a call back and promised receipt of information by supervisors and the result of that has been filing this grievance and complaint. Moreover, it is not helpful that 90 % of the phone representative are from the XXXX and accent is inexplicable. My level of dissatisfaction and anger is so great that I plan on posting this complaint on every social media that is on the market and the ones to hit the market. I have been a loyal customer since 2008 and have been shown or given zero appreciation, not to mention respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
For whom it may concern, I did a money transfer from United States to XXXX, bank account to bank account transfer ( XXXX XXXX XXXX to XXXX ) on XXXX XXXX, 2015. 
I contacted the receiver in XXXX on XXXX XXXX, 2015, he still have n't received it yet. I contacted Western Union, and provide them my receipt and transaction tracking number which is XXXX, ask them to help me to tracking the transaction. However the custom services in WU told me, they do n't know where does this money went to, and this transaction is not in the system at all, they need to renew the transaction in XXXX to XXXX hrs. I waited until XXXX XXXX, 2015, nothing happened, I called WU again, after being transferred XXXX to XXXX times, they told me they have to renew the transaction again in XXXX to XXXX hrs. again. Since WU lost my money in the transaction for a month and without notifying me, and when I contact them they just have no reaction at all, which made me think WU has some fraud or scam issue, I lost confidence and patience with WU. I had to make a transfer through XXXX XXXX XXXX, which spend another {$300.00} along with {$35.00} transaction fee, in order to make it on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 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: AMCOL Systems, Inc.
State: NY

Complaint narrative:
I paid off this debt from Doctors care. I went on the website and paid the balance in full. While they took it off my XXXX credit report, they have left it on my XXXX report.I contacted the AMCOL and faxed them the receipt showing I paid the account in full. I was told they were sorry and would update the account. However, they have n't updated the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
I pay this account every month on the XXXX, I have receipts through my checking account, They put it on my credit report anyway.

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

Complaint narrative:
My previous complaint was supposedly resolved and yet my transunion account was NEVER updated to show no late payments. This is a constant thing with this company. They asked me to wait 30 days and its been well over that. My payments were never late as agreed in all XXXX complaints. I want this resolved so I can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Central States Recovery, Inc.
State: UT

Complaint narrative:
I have paid this debt 2-3 times. each time they tell me the report will be processed later in the day and it never is. a new collection account was on my credit report I was not familiar with I asked a question about this I was threatened to pay today or be imprisoned and sued. when I asked her if I could receive a bill she said only if I made the payment. I tried to ask a question and she proceeded to give me legal advice and advised paying the debt in order to avoid legal action and potential imprisonment. 

I have never been sent a bill on this amount or called. I was trying to get information and was threatened. 

as well as a smaller amount I have made several attempts to pay is still on my credit.

Company response to consumer: Closed
Consumer complaint received 2016-05-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI

Complaint narrative:
I overdrew off my checking account at a bank about 4 years ago, and they went through the proper channels and had me garnished from my work, approximately one year after. The full amount that was due was taken.Courts sent me notice that the garnishment was finished and the amount was paid in full, yet it does not show on my credit report. Ive been trying to rebuild my credit but I unable to in certain areas dues to this misinformation. I would like it rectified, and closed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
i have received a letter from this agency that states that I owe them. I have never had any dealing with this company. When I disputed the debt and ask for the information that supports their claim. I have no knowledge of the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
I received a call from XXXX, a electrical company in XXXX stating that I have a balance on an account and owe money or my power would be turned off in XXXX immediately. This concerned me because I 've lived in XXXX for the past 2 years. I called XXXX and they had given me an address of account that had been opened that I did n't not recognize and have not lived in XXXX for 2 years. They then told me that this is a case of identity theft as someone else, not me, opened an account with all of my information, but was not me. They did not pay their bill, which is why they contacted me and is now in the collections hands. I have sent in the proper fraudulent dispute papers into XXXX and I need help getting this taken care of within my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WAFD BANK
State: CA

Complaint narrative:
In XX/XX/2016 we started the process for a short sale on our primary residence. This short sale was necessary because I had received an offer for a new position in XXXX California. The current housing prices had not caught up to what we owed on our house and with the cost of the sale, we would be short funds to pay down all of the liens. I submitted for and was approved for a HAFA short sale through XXXX Bank. Under the HAFA guidelines 2nd lienholders ( Washington Federal ) would be guaranteed up to {$12000.00} for the balance of the loan and the remainder would be forgiven by the bank. California legislature passed a law, SB 458, which protected the home owner from being pursued by a lender for the unpaid lien balance. We worked with XXXX and informed him of our circumstances, provided financial documents to show we could not financially make up the difference once the house closed nor would we be legally obligated. XXXX refused to take the {$12000.00} for the payoff of our loan of {$19000.00}. We had a buyer that was qualified and ready to move in, however it was apparent we would need to foreclose because of XXXX denial of the funds approved by the HAFA program. Toward the end of our short sale process the buyers, reluctantly, paid {$5000.00} toward our balance on the Washington Federal loan. This transaction was outside of the title proceedings because under the HAFA guidelines this transaction could not be on the title documents. XXXX again refused to take the {$5000.00} plus the {$12000.00} and forgive the {$2000.00} we had left on our balance. The only way XXXX would release the lien was if we agreed to continue making payments on the remaining {$2000.00} once the sale was final. Other than the document he created and we had to sign, we were not legally obligated to continuing making our payments as per SB 458 and HAFA guidelines. We submitted a copy of the signed document to XXXX Bank and they refused to proceed with the short sale because the letter violated state law ( SB 458 ) and HAFA guidelines. Our realtor received the {$5000.00} from the buyer and took personal money and paid off the Washington Federal balance so the house would not go into foreclosure. We paid her back from our moving expenses proceeds from the HAFA program. XXXX handling of this process were both unethical and unprofessional.

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 2016-12-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WAFD BANK
State: ID

Complaint narrative:
This morning my husbands debit card was declined after working a 12 hr shift while finishing his 80 hr work week.. he came home very frustrated. He asked me to call the bank to figure out the issue.. so I did and left a message. This call center first of all is very hard to get ahold of even on days they are open!!! I left a message this morning and asked for a call back in regards to my accounts. Later that afternoon I got a call back saying they ca n't help me because my name is n't on the debit card and it does n't matter if it 's a joint account with both our names and I 'm the primary, I then asked to talk with the supervisor, which I was informed I will get a call back within 24 hrs.. I 'm frustrated at this point because all I want to know is if my husbands card will work for him later when he has to return to work at XXXX he 's sleeping.. finally I get a call back again and I speak with a named XXXX who was playing games with me.. I asked him if I wake my husband up what information does he need so I can tell him mind you my husband is snoring dead tired.. he says when I speak to him I 'll tell him.. okay ... so I 'm not stupid I say ca n't he just give you his social and name, address?? He tells me he 's gon na need his debit card?? So he wanted me to wake up my husband go get his debit card in the car outside., its freezing and I 'm in my robe..Long story short these people in the call center are rude they play games hang up on you and treat you like total XXXX!!!! They need training and to be replaced! I do n't have time to play games with someone at work where they are getting paid! All I wanted to know was why we could n't access our money.. it 's ridiculous!! I woke my husband up and he gave all the information they need he hands me the phone and I said a curse " word '' meaning finally.. the person said sorry ma'am you ca n't curse at me, when I did n't! And hung up on me!!! After I did everything they said!!! I 'm so frustrated that they could n't just tell me that they were having system issues and they are sorry about the inconvenience because in the end that was the problem.. system was down so my husbands card did n't work anywhere.

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 2016-03-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Sortis Financial, Inc.
State: FL

Complaint narrative:
Dear Sir/Ma'am I have been in an endless loop of modification process originating with XXXX XXXX who sold to XXXX who sold to Clear Spring - all institutions inviting us into a modification process only to strategically refuse us. They each have given us hope and put us through endless paperwork and anguish to only lead us on then to reject us. 
Over the years with XXXX we encountered endless loops of miscommunications and misinformation. We were making payments to XXXX when they abruptly stopped accepting payments from us. We were in mid process of a modification process with XXXX when they informed us they sold us to XXXX. We were encouraged by XXXX to pursue another modification process only to be denied and sold to Clear Spring. Clear Spring encouraged us into a modification process only to swiftly deny us and swiftly put us into a foreclosure process. 
Our Loan Number with Clear Spring is # XXXX. 
- a few years back an unfortunate event brought on by the demise of the housing investment market which was led by the unfortunate policies of the mortgage banking institutions led us subsequently into the bankruptcy process - we struggled to remain strong as a family. We compiled our dignity back and moved forward. As a result our marriage suffered but we struggled to rebuild our lives. Out of our Bankruptcy plan in XXXX 2012 the judge specified in the plan for our primary residence was to do a modification with XXXX. This is item XXXX in our plan - to retain Homestead property for modification process with XXXX XXXX XXXX - # XXXX. This did n't happen XXXX swiftly denied us and sold us. I am a XXXX and a military veteran. I have proudly put our children and family first and I have stayed employed at multiple XXXX jobs to allow our children to remain in our home we love. 
- We have been denied after exhausting process with different institutions for one reason after another which I believe was just to get us into the foreclosure process for the banks. XXXX denied us because we went through bankruptcy - which they knew going into the modification. Clear Spring simply said investor - XXXX XXXX XXXX - declines to consider the request for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I received a notice from a collection agency called Choice Recovery. I called and let them know that my insurance company is a contracted provider with the company they are collecting for and that my insurance company had paid and I was n't responsible for the {$890.00} amount they were collecting. 
I was told that they have to rebill my insurance company but that I may still be liable. I tried to explain that they are n't allowed to try to collect on a claim that was paid or denied through a participating insurance company as I had {$0.00} responsibility listed on my EOB. 
I called again this morning and let them know that I was going to follow up with my HR department and insurance company as they were n't following guidelines by threatening to send me to collections if I did n't respond within 30 days to their letter. I spoke with XXXX XXXX who told me that it did n't matter what my insurance company stated I owed them. 
I feel that this is a scare tactic and is an illegitimate way to collect money that is not owed to them. I wonder how many elderly or less informed consumers have paid them monies that they are not owed.

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
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Investment Retrievers, Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt XXXX. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
I started monitoring my credit and notice that this company American Credit Acceptane ( which I did not not regonize, because my auto loan was with XXXX XXXX, which I now know is affiliated with American Credit Acceptance ) was reporting on my credit monthing stating that I owed an outrageous amount of money for a repossession that happened on XXXX/XXXX/XXXX which was also charged off, but before they charged the debt off for the XXXX Ford Excursion it was sold at aution to get whatever they could get for the vehicle. I received a letter from the company telling me what they sold the truck for. Now I am filing a complaint because today XXXX/XXXX/XXXX I called American Credit Acceptance and I first spoke to a rep named XXXX and explained that I sent a certified letter to theme and it was signed for XXXX/XXXX/XXXX by XXXX XXXX asking for documentation under FDCPA asked for records so that I could compare to my records because this company was reporting an outrageous debt amount, and that under FDCPA that the company was in violation. She replied we have no records, I said I would be filing complaints with the Consumer Financial Protection Bureau for non compliance-XXXX- The Attorney General, I said I wanted this account deleted due to non compliance of section 809 of FDCPA. She placed me on hold I was told that the manager a guy by the name of XXXX would call me by XXXX. I received at call at XXXX from XXXX who may I add was very nice but in a rush telling me that he was unsure of what is going on, so I explained everything that is mentioned above, and that I wanted account statements ( he said he could not get because XXXX in the dispute department was not there at the time but he will try to get the statements. I 'm baffled so how are you reporting inaccurate information ) next he said I can get you the original signed contract along wit Payment history out in the mail to me tomorrow when he comes into work. I said how is that telling me the balance I owe? Where is the letter stating how much the truck was sold at auction for? I wanted to compare records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LJ Ross Associates
State: IL

Complaint narrative:
I never heard of a company called lj Ross and I do n't owe them any money the debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
To whom this may concern, When i checked my credit report i seen where a debt was reported by national credit services. I filed XXXX disputes with XXXX and did n't receive any verification to prove debt was mines. I had an apartment with XXXX in and had a XXXX incident which resulted in me throwing away thousands of dollars worth of household furniture and my son being XXXX and washing all of our clothes and shoes costing me hundreds of dollars, when i called the office about the incident they informed they would n't compensate for the furniture or the clothes but told me i could terminate the lease but i was still entitled to pay XXXX 2014 rent which i paid. I tried calling collection agency and spoke with XXXX XXXX who advised me the incident had nothing to do with him he just collects the money. I faxed copy of my bank statement and fair credit report act to XXXX and they advised they do n't verify if debt is actually yours with written documentation they just call. i spoke with supervisor from XXXX who didnt call me back. This has been a disaster i am a single dad and this is hindering from getting an apartment. Please Help!!!!!

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