vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
OCWEN is claiming that my account is severely delinquent when it is not. They decided to put me in escrow recently, even though I have always paid my own homeowners insurance on time and in full each month, I have paid my own real estate taxes, and my mortgage payments were current. I have made multiple phone calls to OCWEN to resolve this, and each time I have spoken with someone who does not understand me ( does not speak clear English ) and is unwilling to help me with this loan. I have requested to speak to a supervisor, to which I am told I can not. My loan payments have suffered because of being charged for the escrow ( which is double my monthly mortgage payment ) and I have accrued multiple additional fees from OCWEN as a result. This happened last year as well, and I thought the issue was resolved. I am currently being told my mortgage is excessively delinquent due to the escrow and fees being charges by OCWEN. I am requested the escrow be removed from my account, so that I can go back to making these payments myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Garrison Investment Group
State: FL

Complaint narrative:
After reviewing my credit report I noticed a delinquent account with Foundation Finance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. After calling Foundation and after submitting a fraud report the issue has not been resolved and still being reflected in my credit report. The letter was submitted on XXXX XXXX XXXX. The account ending in XXXX the account ( I believed ) was open my my ex-wife and she use my personnal information, since she has such informaion ( such as SSN, full name, DOB ). I reported such activities as fraud and I have received no resolution from Foundation Finance. I was able to demonstrate that I was in XXXX when the activity took place. i do not live in XXXX XXXX XXXX XXXX XXXX XXXX since XXXX when I moved to a different address.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My issue is an account furnished by Target this account was paid in full as a charge off and should not be currently reporting as late. I have address this issue numerous times thru letters sent and no correction has been made nor have I received a letter saying its been verified or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I recently pulled a copy of my credit report to find an account listed as charged off and name spelled incorrectly. I attempted to dispute this debt with the credit bureaus to no unveil, resulting in filing a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Senex Services Corp.
State: KY

Complaint narrative:
I have pulled my credit reports and there are debts listed by the collection agency Senex Services Corp. I have not received any documentation from the company notifying me of the debt or the right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: CA

Complaint narrative:
Scam and charge for consolidating student loan. Great Lakes Servicer Referred me to a scam called XXXX XXXX XXXX. Illegally charged me XXXX to consolidate my loan. It was the fault of Great Lakes who did the referral.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
My checking account was closed with no reason. Charles Schwab refused to provide an explanation as to why my account was closed.

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

Complaint narrative:
My escrow account was double charged for XX/XX/XXXX and XX/XX/XXXX XXXX and cities taxes by Bayview Loan Servicing , LLC . When they send me XXXX XXXX Report with shortage in XX/XX/XXXX, I called them to correct it, but instead of actual investigation of the problem they tried to make me believe that each payment XXXX XXXX and city from my escrow account was just XXXX of total payment due. I went to XXXX XXXX 's office and got Tax Bills for XX/XX/XXXX and XX/XX/XXXX that proofed that I was right. What is more XXXX XXXX and city taxes were paid by the company which I bought the house from, I guess, by mistake. As I 've been told at the XXXX 's office, checks from Bayview Loan Servicing were rejected and send back to the same address that they came from. I send all docs to Bayview and they finally figure out that they tried to pay taxes for my neighbor 's parcel because of wrong property legal description on XXXX deed. I bought the house in XX/XX/XXXX, and all taxes were correct until XX/XX/XXXX. The corrected legal description was recorded in XX/XX/XXXX. I faxed all proofs of it to Bayview on XX/XX/XXXX. And it is still not corrected as of today date. I spoke with all departments within the company, like customer service, escrow analysts, and customer advocacy team. They neither ca n't find money that they send to XXXX and city in XX/XX/XXXX and were returned back to them or correct my escrow account for 7 months already.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 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: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
In XX/XX/XXXX I moved from an apartment, with the permission of the property owners. I moved due to water problems in the apartment, i.e. it rained thru the bottom of my back door and the carpet in the dining room was soaked and mildewing. A water pipe in the upstairs bathroom was leaking and caused the kitchen cabinet to fall off the wall. I had no problems with my move and have been able to lease housing there was no negative information regarding leases on my credit report, until XXXX XXXX. In XXXX I received a notice from Absolute Recovery Services, a collection agency ; that I owe {$500.00}, my lease in XXXX was for {$610.00} a month. They also indicated a payment was made in XXXX of XXXX. I did not make a payment to them. 
I spoke with the agency via telephone and let them know the resolution I had reached with their client. 
The lady stated she was going to submit the charge to the Credit Bureau. Which she has done. I have disputed the claim with XXXX twice and learned they do not verify information that creditors submit. If I had owed rent to the creditor it seems to me ; they should have notified me of that in XXXX, and/or gone to court to get a judgement. He did neither of these options. Instead 4 years later I am being harassed by a collection agency for an amount that does not even match my lease agreement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-08 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
Set up a online money transfer with western union to be sent to an account in XXXX. Western union had my authorization to take money out of my checking account electronically which they did right away. However, the account number at the receiving bank in XXXX was incorrect due to which the bank in XXXX declined to accept the money. I received an email right back from western union on XXXX XXXX 2015 that the money would be refunded to my checking account due to the aforementioned reason. Its XXXX XXXX 2015 and the money has still not been returned to my account. My bank in the XXXX has been notified about this issue. I have called up western union 4 times. Each time there was a different response. XXXX representative even told me that the bank in XXXX is delaying the transfer. I do not understand how this is possible if the receiving bank declined to accept the money transfer. I feel it is pretty irresponsible on their part to dis regard my enquiries and also not return my money. The transaction is tracked with western union by the XXXX number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14 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: FL

Complaint narrative:
Bayview Loan Servicing is applying an additional fee that states " Recoverable Corporate Advances '' to my Mortgage payment before the grace periods has expired. I was never advised of this information and why is there an additional fee applied to the payment that is received on or before the grace periods has expired. I was advised during the modification of my loan that my payment needed to be received on or before the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Firstly, I 've been switched around from one mortgage company to another without any notification. That being said, I was with XXXX bank for about 7 years with an interest only loan when they switched me to Bay View Loan Servicing. While in the process of obtaining a modification, which I 'm told I must be at least 2 months late to qualify, I kept receiving calls and letters for payment for which I informed them that I was in the process of a modification by your own bank, so please stop sending letters and phone calls. This has continued for over 5 months now ; have been approved for the loan modification, for which I have made two payment already. They continue. It 's clearly a case of the left not knowing what the right is doing. One end of the bank is collecting while the other is setting up a new loan. Do n't they communicate? This situation is prevalent throughout the financial world. I can blame technology and particularly automation on this problem. Instead of becoming more productive, we are becoming less with thousands of similar problems because people are getting lazy as a result. No one looks into matter anymore thinking automation will take care of it On top of that I have a home equity line which was not considered. In addition, they are providing this information to the XXXX credit reporting companies that I am late every month on my payments, thus really ruining my credit, with no information relating to the fact that its a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Negligent negotiator assigned to the account and after a 60 day extension was given on the file, the lender has retracted from their agreement and issued a foreclosure sale date for 30 days demanding we close escrow prior to the foreclosure sale date. Short sale negotiator is asking for documents that have either already been submitted or are ridiculous such as " a list identifying all parties in the transaction '' and XXXX documents when the property is not in a XXXX. We previously had to escalate the file because of this negotiator because she consistently told us the property was just going to foreclose rather than trying to help us. Negotiator 's name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AMCOL Systems, Inc.
State: MO

Complaint narrative:
A third party collection company is reporting an alleged debt to the credit reporting agencies. They never sent a notice of attempt to collect or right to dispute, nor any communication whatsoever. I only learned of the activity while checking my credit score. Also, they are reporting the same alleged debt XXXX and attempting to collect XXXX for the same alleged debt, which is related to a medical bill which was previously paid by insurance then reversed recently after my former employer illegally rescinded the policy and retroactively cancelled coverage by more than a year. The matter is currently under investigation by the EEOC, USDOL, XXXX and pending civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XXXX XXXX 2016 at XXXX i sent money to a XXXX to XXXX XXXX XXXX through western union money transfer. I did not receive notification that the money had been sent or received as is normal procedure.I inquired form the receiver if he had received the money he confirmed he had not after which i reverted to western union on phone number XXXX during which i was advised the money had not been collected and that i should advise the receiver to visit an agent to collect the money using the mtcn number. I informed the receiver according after he went to XXXX agents but could not collect the money because according to the agent there was no money available. After this i inquired from western union several time i was informed that the money had been collected the same day i had sent it which contradicted what i had been informed by the earlier western union agents. After this my complaint with western union have not been resolved and the whereabouts of the money has not is not known. This is why i am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
hello, i know that there has been a misunderstanding, about my money.at first I did n't think this would happen to me -- and I have become a victim until this very day.i have not received anything back and the proposal that was made too me to get wire transfers-delivered ; is all a hoax.not a matter of business.i have put in a complaint before, but nothing was done or said about it.the company or party grant solutions, took money from me and never followed through with reimbursing me any payment's.the amount is very plain too see that somrthing is wrong with them. ( XXXX ). 
''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
My parents, XXXX and XXXX XXXX, obtained a loan from XXXX some twenty years ago relating to flood damage to their home in XXXX. They made payments on the loan for years. They are both now deceased. 

XXXX XXXX passed away on XXXX XXXX, XXXX, and XXXX XXXX passed away on XXXX XXXX, XXXX. Both died intestate, and without assets. No estate proceedings have been, or will be, commenced. 

Bayview is attempting to collect the loan despite the fact that both parents died without assets. 

In addition, Bayview is attempting to collect this debt from the decedents ' daughter, XXXX XXXX, who bears no legal responsibility for this debt. They are sending demand and collection letters to XXXX XXXX at her address at XXXX XXXX XXXX, XXXXXXXX. The decedents, XXXX and XXXX XXXX, never resided at XXXX XXXX XXXX. 

Finally, Bayview is falsely misrepresenting that this is a mortgage debt and that there is a mortgage on XXXX XXXX XXXX, XXXX XXXX 's residence, when that is not, in fact, true. XXXX XXXX is an apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
Phoenix Financial Services attempted to contact my employer after being told not to in writing via certified mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
I made a {$600.00} money transfer to the XXXX thru Western Union at XXXX in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ. I was guaranteed by the staff who assisted me, named XXXX that my recipient will get the money transfer in US dollars. XXXX showed me the receipt in US Dollars, but on the bottom of it is a Peso conversion, but then she guaranteed again that they 'll get it in XXXX dollars. I trusted what she said knowing little on how to read a transfer receipt. The next day my father withdraw the money transfer from a WU in the XXXX and they said that the transaction was made in PESO not US dollars. This means that my father will receive the money based on WU exchange rate which is way cheaper than getting the Dollar and have it exchange in the bank. This incident is the XXXX time that happened. After the first incident i would normally double check my transaction with the WU staff, to make sure that the transaction is made in XXXX dollars, and i did n't have a problem, Until my recent transaction with WU last XXXX XXXX, 2015.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I have tried to transfer money to a bank in XXXX and WU wrote, on XXXX XXXX, 2015, that the transaction went through : XXXX XXXX, Thank you. The payment for your money transfer has been received. It will be available in XXXX XXXX XXXX XXXX XXXX account by XXXX XXXX, 2015. 
If you have any questions, contact us anytime. 
Thanks for using Western Union. 

XXXXThis is your proof of payment for the money transfer below. 
XXXXYour tracking number ( MTCN ) is : XXXXTransaction Date : XXXX XXXX, 2015 XXXX ETHowever, on the same day ( XXXX/XXXX/2015 ), I received this email : Dear XXXX XXXX , Money Transfer Control Number ( MTCN ) : XXXXWe have received your order, however, we regret we are unable to process your transaction at this time. 

If you feel this action is in error or have further questions as to why your transaction was declined, please contact us online or by phone at XXXX. 

We regret any inconvenience this action has caused. As an alternative, you may send money using cash from a Western Union Agent location. You can find an Agent location on our Web site. 
For additional information, visit us at www.westernunion.com. 
Thank you for using Western Union! 
then, on XXXX XXXX, I receive this email : Dear XXXX XXXX, Your tracking number ( MTCN ) is : XXXXWe received your request to cancel your money transfer. If your account has been debited, we 'll refund the money transfer amount and fee to you. 

Send money at one of our agent locations. Find your nearest agent location now. 

Thank you for using Western UnionNow, I have never sent a request to cancel the money transfer ; this is a lie. 
I have received the refund, however I was charged for the transaction! It 's a matter of principle that the business should not charge for their botched service. 
Even if the fee is just {$5.00}, it is outrageous. 
I have filed complaint with WU on XX/XX/XXXX but I am yet to hear from them and my call to WU today was as if I was talking to a wall. The customer service assistant could not help me. 
" Money Sent from XXXX to XXXX XXXXThank you for submitting your question, we will be getting back to you in 1 business dayReference Number : XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
I was n't sure which category this complaint would fall under. I had a debt with XXXX Hospital that I had a payment plan with and fell behind. They sent it to collections. I understand that. The collection agency called me and we negotiated back and forth about a payment plan. The next day ( today ) a hard inquiry is showing on my credit report for an installment loan with the collection agency. I did n't agree to anyone pulling my credit and I absolutely did n't agree to my " payment plan '' being an installment loan. I 'm in the middle of buying a house and I would not have had anyone pull my credit or put an installment loan on my credit. I was never advised I was going into a committed installment loan and did n't authorize my credit to be pulled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief