vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-24 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: UT

Complaint narrative:
My loan was recently sold back to XXXX XXXX XXXX. Bay view loan servicing decided to add XXXX cents onto my loan under XXXX advance without notification or any explanation. They just sneakily applied it to my loan. XXXX XXXX XXXX than decides to add that to my loan payment and says I owe that much. First off let me say I am disputing all of those charges. I phoned bayview and they advised me all it says is its for litigation ... ..I have no litigation and it was added conveniently to my loan in XXXX XXXX ' to the time it was transferred in XXXX XXXX. I had no notice of it I was just paying my monthly mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
My mortgage is being serviced by Bayview. I 've been charged a " rec corp advance '' fee ( {$140.00} ) which I am told is due to a recent appraisal of my home. This is not on the national schedule of fees, I never agreed to it, and they have refused to take it off my bill. 

I 'd like it removed from my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XXXX I transferred money over the internet using my credit via Western Union ( WU ). 
The recipient 's destination country was the XXXX of XXXX and XXXX XXXX XXXX XXXX. Total transfer was XXXX {$300.00} and the related transfer fee was XXXX {$8.00}. 
Today, XXXX ( less than 2 months later ), I attempted to repeat the transaction. The associated fee is now XXXX {$27.00} ( almost a 400 % increase. ) I reached out to customer service ( CS ). While on hold the hold-music reiterated the {$8.00} fee for XXXX, XXXX XXXX and the XXXX. Various agents in CS referred me to Corporate Headquarters ( XXXX XXXX ) who is checking XXXX. 
Unfortunately, WU may be providing false advertising and manipulating prices unfairly. Can you check into this and advise? 
Thanks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX m : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
XXXX they started calling a number that was not my primary number. Then they started calling my references before they tried calling me. They also use a different number every time they call me. XXXX, XXXX, XXXX. This is just XXXX of them. They are getting more aggressive each time they call. They have called XXXX times today alone. I get paid XXXX a month they know this. I ca n't pay until next month. There is nothing else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
Recently, I read that you are investigating complaints against XXXX Bank. In XX/XX/XXXX I was going to file Chapter XXXX bankruptcy, which included XXXX XXXX XXXX card, but I decided not to continue with the bankruptcy. Due to that, XXXX stopped sending me statements. Then in XX/XX/XXXX I received a letter stating that a debt collector had put a lien on my house due to the debt owed to XXXX bank. I contacted the Debt collector and I agreed to pay them {$100.00} a month til the debt was repaid. The problem is that they charge me 8 % interest on the balance. The debt Collector said that I owe them {$12000.00}. I have paid them {$100.00} a month since XX/XX/XXXX, and they said I still owe them {$11000.00}. At this rate I will never pay them off. I have tried to refinance my mortgage but because of the lien from XXXX Bank and the debt collector 's refusal to subordinate, I ca n't refinance my home. I am XXXX years old and live on retirement pay. It would help a lot financially to have a lower interest rate on my mortgage. The debt collector is Machol & Johannes, LLC., XXXX XXXX XXXX, XXXX , CO XXXX, XXXX. I want them to remove the lien on my home and to discontinue charging me 8 % interest. I have no problem in continuing to pay them the {$100.00} a month until paid in full, or to reach a payoff settlement. I can manage to come up with {$4000.00} for a settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH

Complaint narrative:
Bayview loan servicing forced property insurance on my loan. My XXXX insurance agent has numerous examples were she has provided proof of insurance on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
would like to know if this derogatory statement can be taken off, although it was not foreclosed and ended up Short Sale. this has been a hard hit for me and getting to refinance is a show stopper. They got there money through short sale. This happened 2012. All I am asking is to please remove this statement as it not true and never happened a Foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
i have been dealing with western union, XXXX on line for years and all hae sudden they have banned my name so I can not use the and refuse to tell me the reasonreason why

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
Hello, i would like information on trying to pay a old payday loan back with realistic amounts. My amount owed was {$580.00}, i paid {$100.00} on XXXX XXXX. The remaning XXXX was schulded to be paid back XXXX of XXXX XXXX. I did n't have the money at the time so i call back on the XXXX of XXXX with hopes to make a new arrangement. XXXX refused to accept a different payment. I have until the end of the month to make a payment but now i cnt contact the loan office. My calls are not being answered and i an up for a XXXX garnishment when i can pay XXXX in little payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC
State: KY

Complaint narrative:
I received a letter from Phoenix Financial Services, LLC. dated XXXX/XXXX/XXXX stating a debt for creditor XXXX XXXX XXXX XXXX XXXX in the amount of {$570.00}. The date of service listed is XXXX/XXXX/XXXX. I have sent XXXX letters to the company asking to verify this debt since I have no knowledge of it. I sent the letters by USPS mail on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have yet to receive a response from the collection agency. I also noticed that the debt is being reported falsely to XXXX stating that the account was open on XXXX XXXX. This conflicts with the date of service listed on my letter for XXXX/XXXX/XXXX. This would allow the collection agency to collect well after the seven year statute of limitations would be expired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
First of all Cash Central initially opened the account without my knowledge and deposited money into my account. After they bribed me to keep the loan with a lower fee, I eventually took out an installment loan and decided to stop the ACH payments and would pay with other means. I emailed them on XX/XX/XXXX, with no response. I have emailed them in the past with no issues, they have also emailed me with no issues. They proceeded to take out my payment anyways and so I called to resolve the issue and they hung up on me 2 times. I also attempted to chat and they just said for me to call the number. They have not held up to the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After a modification Wells Fargo told me I owed XXXX payments and I could only make XXXX. I believed only XXXX was due and it was for XXXX. After paying it I was told I had to pay another XXXX which I did n't have. They have made me late every month on my credit report, my credit is shot. I have n't been able to go to work because of health issues. I just finished my XXXX. I have called them and so far I have talked to XXXX people. No one can help me they just transfer me to another person. I received a notice that if I did n't give them {$6400.00} by the XXXX of this month that they are foreclosing on my home. I have never missed a house payment. I have owned this house for fourteen years. I want to ask them if they will add the money I owe them ( in their estimation ) to the principal and start from scratch again. I do n't know what else to do. I am so concerned about being homeless and I do n't know which way to turn. It took a year and a half to finalize the modification and they lowered the principal by XXXX and the payment stayed the same. I was mortified. I wanted a lower payment not a lower principal and they knew that. Since I lost my job I have nothing extra. My children help with my medications and food. Can you please help me.

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 2016-12-29 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
For the past several months, I have received billing notices to pay for a credit card which I did not request or authorize. 
Today, XX/XX/2016, I received another notice from Wells-Fargo that my account " remains past due '' This account was fraudulently issued. I have never requested nor authorized this credit card account to be est

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 2016-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Since XXXX XXXX, XXXX when I first put in a complaint Wells Fargo has not even had a underwriter speak to me They refuse to get on the phone an discuss reasons for denial. I have repeatedly inquired and requested for a specialist to allow me to make my original payment and or come up with a payment arrangement. All are losing site of the fact that I was a NON ESCROW account not in default paying my taxes and monthly payments. the town accepted my payment arrangement for taxes. Wells Fargo came in and went against my original loan documents and forced me into escrow making my payments XXXX more a month. The end of the month is coming and I will for the FIRST time be late on a monthly mortgage payment. they will not allow me to make my original payment and will not even talk to me about a resolution. I am fearful of going into foreclosure and it seems wells Fargo does not even care. I have requested for their policy in writing to discuss the terms they have placed on me and they stated that it is an internal policy and they do not have it in writing. Why would a bank not want to make arrangements and avoid going foreclose proceedings and go in front of a judge. Pease help me I am in extreme distress

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 2016-06-27 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am a XXXX military Veteran trying to open an account with Navy Federal Credit Union. As per their email I received they requested identifying documents, which, as per their email, was sent to them. Every document, except my state drivers license, was not accepted, even though every document sent to them was in the list in the email from their Security Operations section! I sent my most recent Federal tax return ( not accepted ) ; my XXXX rental verification document ( not accepted ) ; etc. I called and the customer service agent said even though the documents requested were in the credit union 's emails to me - they were not accepted! He could not explain why they would ask for said documents and then reject them. I have included their original email asking for the documents in question : Thank you for sending in your requested document needed ; however, the driver 's license attached is too small for us to accept ( Send a larger photo ). In addition, the proof of address was not accepted ( Full document from list below ). Please resend your full and clear copy of your government issued photo ID and a different proof of address than attached that you used to open your account from the list below. You may send a clearer copy via email to XXXXXXXXXXXX. 
Acceptable Primary IDs Driver 's License XXXX Citizen ID card Passport Permanent Resident Alien card Acceptable Proof of Addresses Voter 's Registration Card Paystub within the past 2 months Vehicle Registration Insurance Documents Bank Statement within the past 2 months Local/State/Federal tax documents Utility Bill within the last 2 months ( water, gas, electric, trash ) IRS XXXX from the most recent year Security Operations Navy Federal Credit Union XXXX XXXX ) 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 2015-05-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo continues to charge me late fees when their own system shows that I am making more than the minimum payment each month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-19 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: The CBE Group, Inc.
State: GA

Complaint narrative:
XXXX was notified to terminate services as of XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. I had no written or verbal contract with XXXX that had a pre-determined time period or a specific notification required regarding notification to terminate services. 

Upon receipt of the first bill from XXXX after my request to terminate services another call was placed and the request to terminate was once again provided, noting that I originally called and terminated services on XXXX/XXXX/XXXX. 

On XXXX XXXX, I sent a letter to XXXX and The CBE Group Inc. ( XXXX collection agency ) asking them to cease collections activity. On XXXX/XXXX/XXXX I received a letter from The CBE Group advising with XXXX response which was merely a copy of their billing statements without proof of claim. 

I have attached my XXXX bill ( internet ) and my XXXX bill ( television ) in support of my claim that a request to terminate services was made to XXXX. 

XXXX simply did not document the request, not once but twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
my bank has extended the time frame to pay my mortgage to 5 days ..it used to be 1-2 days.. i asked them to explain. they told me the mortgage bank accepts only checks. in fact they told me this twice which is a lie. a banker from my bank called the mortgage bank and clarified that no changes were made regarding my payment, with me as third party witness.. now my bank says the mortgage company sets the conditions for payments online. this month my 900.00 plus payment was taken out of my account on the XXXX to reach the mortgage bank on the XXXX.. this is a 9 day hold. and yet my other bank payments are only a 2 day hold. there is something going on that seems off. i was told to just have my mortgage company deduct the amount from my account every month. this is not acceptable and they wo n't even admit i have been lied to. i want to know why only this account is affected. what do they gain? an extra few days to float my XXXX $ to their advantage. this seems like a way to scam customers..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Home Mortgage left a message on a home answering machine. Stated this is Wells Fargo Home Mortgage and this a attempt to collect a debt and so on. This home answering machine is shared by other residents in the home. Message was heard by everyone in the house and was very upsetting. I also had guest in the house for dinner that day who overheard the message.

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 2016-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
XXXX /wachovia bank / wells fargo bank [ mortgages ] there are wells fargo whistle blowers on all the public chat lines XXXX about mortgage fraud /fraudulent forclosure /preadatory lending /forced home owners insurance stolen propertys / stolen funds from escrow acounts / excessive acount charges / none applied funds / fasified documants / perjury comitted in courts across america, No missed paymants acont in credit all the proof is in the court papers that the corrupt judge XXXX refused to look at. that is fraud, the cfpb and XXXX XXXX XXXX have recieved complaints about wells fargo and you have done nothining since XXXX until XXXX and still fileing complaints to case all of these email will be used in evidance against you as you have been negligent and i hold you responsable for my incureing loss of my family home so we go to court, you have had enough time to bring wells fargo to justice and all this crapp about false acounts is a deliberate act of divershion to make the tax payer that you are doing your job? And that is rubbish and you no it fraudulent, mortgage forclosure is the biggest rippoff since watergate? i wonder if XXXX XXXX knows what has been going on this is govermant planned to the core and i will prove it but iam going to ask the new presidant why i had my home stolen? with over 50 % equity in it good steel? then iam going to float it on XXXX for responce before court proceedings i will win in the end

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 2016-03-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i received a predatory pick a pay loan from a broker in 2006 and have been fighting for 10 years to keep my home. so my question is can the bank change the posted interest payment on my statement to what ever they want later and continue to charge late fees even though I paid every month? If so how come the chapter XXXX wont fix it? The bank did not post my payments they just sent statements showing the late fees and acruing escrow for property taxes. I feel I have paid the property taxes several times over. in my first chapter XXXX they said I owed $ XXXX them 3 years later I asked for a pay off letter and they said after I made monthly payments of {$2900.00} I owed them $ XXXX can I ask you whom do i speak with about finding out where my money went? I am in a current chapter XXXX my XXXX and I am paying the bank {$3400.00} and the trustee {$2400.00} so I ask you why XXXX if the federal government says I have to meet the XXXX % to get a loan does the federal bankruptcy court allow XXXX % of my income to be made for payments? I borrowed $ XXXX and I have paid over $ XXXX to the bank but I now owe them $ XXXX. It should be illegal to do what they have done to me. I have appraisals months apart that are $ XXXX and $ XXXX difference in value in six months the only change was my job they just change the numbers to make the XXXX meet what they want so they wo n't have to work with me. its not like Im not making my payments but if they had gone with XXXX of the XXXX modifications I submitted with my first chapter XXXX I would only owe $ XXXX at the current time.

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