vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am facing medical problems that have made it necessary for me to relocate. I am in the process of trying to sell my home, as I am no longer able to remain in it and am having difficulties making payments. I have previously attempted to explain the situation to my lender, Bank of America, and ask for a forbearance, but that attempt went so poorly that I filed a previous complaint with the CFPB. In my complaint, I indicated that I wished for the response to be in writing, preferably by mail. I am hearing impaired and am requesting this reasonable accommodation under the Americans with XXXX Act. Bank of America chose to disregard this request, and I also did send a letter to Bank of America requesting that all communications regarding this issue be in writing via mail, but I am continuing to receive calls from Bank of America. 
Oddly, I am receiving letters from Bank of America, but they are all demands to call them regarding my issue. I ask if Bank of America is willing to send me letters telling me to call them, why are they so averse to simply addressing the issue in writing? I would like to work with Bank of America to avoid foreclosure, but their methods of addressing this issue and customer service leave much to be desired, and I believe may be a violation of Federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a refinance loan with bank of America. I was paying all closing cost at closing I was just refinancing my property for a lower rate which would have in effect gave me a payment of {$300.00} less each month. The first time I applied that application for some reason was cancelled out without any notice to me after supplying a lot of financial documents. A new loan application was generated by bank of America and I had to provide numerous financial documents again that were lost or misplaced by Bank of America. After numerous inquiries by Bank of America on my credit report they denied the loan for excessive obligations in relation to income. Bank of America was provided corporate returns and personal returns. The corporate returns reflected the business paying ALL my financial obligations which are not many. i.e. Mortgage, all utilities, all credit expense accounts etc. The business returns even showed a profit after paying those items and has shown a profit for the past ( 9 ) years. I also take a {$12.00}, XXXX draw each year from my company which is 100 % unobligated money because all expenses are paid by my company. So not only are all my bills paid by the company I also get a XXXX draw every year. The previous mortgage I was trying to refinance is {$300.00} more than the refinancing I was attempting to obtain and was paid for 9 1/2 years by my company never late. Bank of America is discriminating against me as I excercised my rights under the Equal Credit Opportunity Act. One more thing, Bank of America had an appraisal of the property completed and it showed {$85000.00} in equity in the home. As we both know banks appraise the property very conservativly. Obviously for the past 9 1/2 years my company has paid all my bills including the current mortgage ( never late ) and made a profit every year after paying all expenses related to my debt and the business expenses ... ... not to mention the {$12000.00} I get for my pocket every year. Bank of America clearly discriminating against me and wrongfully denied the loan. I would like to mention I have been a bank customer of Bank of America with my business and personal accounts for over 10 years.

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 2015-06-02 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: MD

Complaint narrative:
On XXXX 2015 I received a letter from Bayview loan servicing saying that my escrow was short XXXX. I called in XXXX to ask about making the payment and the representative told me that I could make the payment over the phone and she would make sure that it was applied to my escrow account. On XXXX XXXX I received a statement saying that my new payment would be XXXX starting XXXX XXXX. I immediately called to ask what the increase was for and at that time the representative told me that I had a shortage in my escrow. I then explained to her that I paid it in XXXX and she researched and found that I did pay the shortage over the phone and that she would request for the funds to be transferred to the escrow account and I should call back in two business days. When I called back nothing had been done. The new payment amount was still reflecting and I had to explain again what happened and the representative assured me that this would be taking care of. I called back a week later to find that still nothing had been done. I was told they were running a new escrow anlyst but still nothing has been done about this shortage that I had paid already. I called on XXXX/XXXX/2015 and I was told that someone requested for the money to get put back in my escrow account but the request was stopped and she did n't know why. I called back yesterday to be told by the supervisor name XXXX that I never paid the shortage. She told me that the company gave me a corporate advance because I had not made the payment and I explained to her that I made the payment in XXXX. I asked her to please review all the notes on my account as I have been calling all month about this issue. She told me that the last notes she saw was about me complaining about the escrow. This company has yet to fix this issue even though I have been calling about this all month. The have charged me for return check fee 's and there was no check returned. I checked my credit report and they have already reported the new payment of XXXX without even fixing my issue. This seems to be a XXXX violation. There seems to be an unwillingness to fix this on Bayview 's end and now this will impact my credit but I did make the payment. Please help me fix this all if my efforts have been ignored by this company. The other bad issue is if I would not have quested the new payment amount I would have been paying for something that I already paid for. 

My mortgage is under my maiden name of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I placed a money transfer order with Western Union on XXXX/XXXX/16 for {$1700.00} to help with my parents medical fee overseas. Western Union did not make the transfer and emailed me saying they rejected the transfer of the money and would refund my money in 3 to 5 days. 

It has been now 11 days and I still do not have my money back. I called them several times and each time they give me a different answer but the money has still not been returned to me and I do not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XXXX XXXX, I received a request for funds from a relative in XXXX who needed it for an emergency on the following day. I had not sent money to this relative in many years, so I had to fill out a form with Western Union to be able to send the money. When my relative tried to cash the money transfer, he was denied the funds, but not given a reason why. When I got involved, a representative told me that either he submitted an official ID through e-mail to western union ( XXXXXXXXXXXX ), fax it, OR we had to send a letter of explanation to Western Union with a picture of my signature. There were problems with both options : my relatives in XXXX do not have the technology or the know how to e-mail the picture ID, and the letter of explanation had to be accompanied with many details I do not know about my relative, and that I know well he would n't be willing to give me. These were facts such as date and place of birth, occupation, address, etc. I must mention here that while I have a moral obligation to assist this relative, our relationship is not the best. So I decided to cancel the money transfer, with the intention to re-send it to another mutual relative who is in my Western Union profile and receives money transfers without any difficulty. She could in turn deliver the funds to the original intended recipient. This is the part with which I have a problem : Western Union stated that that was n't an option at all. How is that possible? Either my estranged relative submitted an ID, which I was not even sure he had, and he stated that it would be too difficult for him, or I submitted the letter of explanation. Else, according to Western Union, they would keep the funds for a year and then submit it to the Treasury Department. 
This defied any sense of logic. It was my money and I simply wanted to cancel the transaction. I called back to seek an explanation ( was it a regulatory requirement or simply an internal policy? What gave them the power to simply keep my money? ) I was NOT given a reasonable explanation. Their explanation was basically " that is the process. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA

Complaint narrative:
to whom it may concern : I have been in my home for 21 years. I got divorced about 13 years ago and was left to pay my house note..i found out that I was on a adjustable rate about 7 years ago.i have been trying to get on a fix note since then. every company I went through has taken my money ( and its about XXXX different companies ) saying they will get me on a fix rate..Never happen and I in a bad situation now..cause they want my home now!!! I have not paid a house note in 7 years and now they want my house..i have defraud out of my home cause of all these companies and I do n't think its fair to me and my children..its not like I have been sitting around doing nothing..what I want to know is why I cant get a loan modf..or a fix rate. my loan is now with bayview loan services and like all the rest they cant help me either. what is really going on? you work for these companies to help people like myself and yet still nothing is getting done..so I just have to take my lost out of my home and nothing are no one helped me..if anyone can find in there heart to help me please step forward and do so..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NM

Complaint narrative:
I am a homeowner XXXX years old with excellent credit. In a nutshell I was told I qualified for a mortgage if I sold my home as I wanted to change locations. My home sold and then I was told I needed 2 years of income verification '' from the same source ''. I have 45 years of verified income, from various sources. My credit score pushes XXXX. I have very little other debt ( $ XXXX ). The issue seems to be that I sold my business in XXXX 2015 and am receiving monthly payments from that sale, BUT they have only been paid for 5 month, not 2 years. SOOO now I have no home and am told I must wait another 18 months to get a home loan. I add insult to injury I am a XXXX vet. What the XXXX is going on with this country? What can you do to help me own a home?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On XXXX/XXXXXX/XX/2015 ( XXXX/XXXX/XX/XX/2015 business day ) I went into a People 's United Bank branch to close out my mother 's estate account. I was clear that the account was being closed and purchased several bank checks, leaving the balance at {$0.00}. 
Over the past month I started getting collection notices from People 's United stating that the account was overdrawn by {$9.00}. When I checked the account activity online I found that the bank had not closed the account as I instructed, although it was brought to a {$0.00} balance. On XXXX/XXXX/XX/XX/2015, a month after I closed the account in person at a branch, People 's United charged a {$10.00} maintenance fee and credited {$0.00} in interest to the account, leaving the balance overdrawn by {$9.00}. 
I contacted People 's United on XXXX/XXXX/XX/XX/2015, and after an extended time on hold finally reached an agent. She told me that there was nothing she could do and that I would have to go to a branch to resolve the situation. I told her that I was not able to do this, and she again stated she could n't resolve the error over the phone. At that point I informed her that I was going to complain to the CFPB about their practices, and she indicated " OK ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Jet Direct Funding Corp
State: NY

Complaint narrative:
I lost my down payment and house I wanted to purchase when the mortgage company I was working with delayed the loan process and would not issue a commitment or denial letter in time to avoid Time is of the Essence penalty.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 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: UT

Complaint narrative:
I received a letter from Bayview in XXXX stating that I had successfully completed my loan modification program. It detailed that Bayview would be reviewing my monthly payment, interest, escrow and principle amounts and adjust my account accordingly. Then I would be contacted once this process was completed. 

I am unsure what happened internally in regards to closing my loan modification. As I have not received any additional notification from Bayview. My account is currently showing 3 months past due and I am receiving letters from Bayview about financial assistance. I recently received a letter stating that I have been assigned to a specialized team to assist in bringing my loan back on track. 

It stated that I need to contact them for assistance. I have attempted contact 15 or more times. An automated system states that their office is closed. However, I am calling during business hours. 

My loan is not off track ... My payments have been drafted via EFT from my account each month. I have spoken with several associates and supervisors, in an attempt to remedy this issue. I have been told that tasks and requests have been opened to ensure my outstanding payments are applied. 

Bayview is currently holding {$2200.00} in suspense. I have notified Bayview by phone, their online portal and email. I have requested a copy of my payment history and note in an attempt to facilitate a review and correction. In addition, I have notified them that I would file this complaint if these issues are n't resolved. 

In addition to the payment issues. I have requested that my name be updated as I was married in XXXX. I have uploaded the required documents directly to their website as well as emailed them. An associate did confirm that this documentation has been received, my name has still not been corrected. 

I am unsure how to proceed at this point, as there has been no resolution and all numbers I have tried to call have produced a automated response that the office is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Other financial service — Money order
Issue: Customer service/Customer relations — 
Company: WESTERN UNION COMPANY, THE
State: TN

Complaint narrative:
I purchased XXXX money orders for {$990.00} equaling {$9900.00} on Friday the XXXX of XXXX 2016 at a XXXX store. These Money Orders were then deposited into my financial institution account the same day. The Money Orders were approved and processed on Monday the XXXX of XXXX and posted as cashed according to Western Union on Tuesday XXXX XXXX, 2016. Unfortunately on Thursday XXXX XXXX, 2016 these XXXX money order became Returned Deposit Items due to allegedly being 'Altered/Fictitious Items. ' Western Union is aware of this issue and knows it 's their fault but still choose to hold up my money of {$9900.00} due to a '30 day process. ' This has damaged my relationship with my bank and this situation needs to be resolved immediately. I want my check due to me expedited from Western Union, a letter from Western Union written to my financial institution consenting to fault, and a written letter of apology from them. I am not the only person I know of that had this issue. XXXX of the people I know received his check within a week and it has now been well over 3 weeks with no compliance from Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I was contacted on the telephone by an agent from XXXX XXXX XXXX in XXXX. They said they were trying to collect on a debt that was overdue for over a year. I never received any information and was told that it was because they must not have a current address to explain why I had n't received mail and that they had tracked down my phone number. I asked for details and they claim it was from a cashed check at CASH CENTRAL. The bank account she referenced has been closed for over a decade and the address referenced was also over a decade old. I asked for written details and gave them my current address. She explained that I would need to file a fraud report in order to not be liable. In the process of trying to collect additional information required to file a report with the police, I pulled my credit report from all three agencies only to discover that this debt in collection does n't appear on any reports. I went online to research the company and discovered that there were quite a few complaints against the company for similar incidents. I believe they are trying to collect on a fictitious debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
I have an Health Savings Account ( HSA ) at People 's United Bank established when I worked for a previous employer. I have not made deposits or redemptions from this account for over 3years. The balance of the account is less than {$1.00} ( actually {$.00} yes that is correct XXXX CENTS ). I received a notice from People 's that the account was dormant and that they were going to charge an " inactivity fee ''. I called People 's customer service number to close the account and was told I need to do it in person at a People 's Bank branch. I then sent People 's a letter indicating I wanted the account closed and received a reply that a notarized copy was required. I have received today a notice that People 's bank has charged me an " inactivity fee '' and the balance is - {$3.00}. I called People 's again and asked that the account be closed and was told again that I need to visit a bank branch to do so. I do not understand why closing the account either online or verbally is an issue. I refuse to take time away from my life/job/family for less than a DIME. I electronically signed documents for other lenders ( a $ XXXX car loan for example ), never setting foot in the credit union branch - How can closing an account that holds {$.00}!! be so difficult?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
Received notification that Paymap Inc. and the CFPB has reached an agreement regarding the XXXX program ( AP File No. XXXX ). I either did not receive or have misplaced check and was advised via letter that I needed to request a reissue check by XXXX XXXX, 2016. I failed to do this as I was on vacation. I understand that my check would have been in excess of {$400.00} and I would like to see if consideration could be given to have a check reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation
State: MD

Complaint narrative:
I received a voicemail from Patenaude & Felix XX/XX/XXXX regarding a delinquent XXXX credit card. I called back and the rep who answered the phone advised me of a payment plan of {$66.00} beginning later that month. I advised him that I was interested in the plan but that I needed to call back on the exact date I wanted to make a payment. He said that was fine and the call ended. I am still trying to get myself financially back on track and by XX/XX/XXXX I still was not able to make the payment. During the one call I had with the attorney 's office, I never advised of any bank account I wanted to use and never set up a payment. My surprise when I checked my bank account yesterday and noticed a {$66.00} check had been submitted to my XXXX XXXX XXXX account. That checking account was already overdrawn so that {$66.00} payment was returned and I was charged a {$35.00} nsf fee. I do n't believe it 's right that this 'attorney ' office and/or XXXX can just automatically take money from my account WITHOUT my authorization. I never set up a payment with Patenaude. I never even went on XXXX 's website and set up a payment. I was never given any plan details in the mail nor any sort of confirmation number since I never set up a payment. I find it interesting that the payment they tried to draft was the exact {$66.00}. I feel that the rep from the attorney 's office took it upon himself to contact XXXX and they took whatever checking account they had on file and tried to charge my account. I want to make good on my account but this is ridiculous. With the issues XXXX has had in the past this certainly does n't make them look any better in my eyes and this attorney should know what they have done is unlawful. Also, when I spoke with the rep I asked if I would get payment plan details in the mail first before I wanted that before setting up some payment. He said I would get it in the mail but it never arrived.

Company response to consumer: Closed with explanation