vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: CO

Complaint narrative:
Hi I am a co-signer on XXXX of my daughter 's student loans which is 'managed ' by American Educations Services of XXXX , PA ( XXXX ). Her loan became delinquent and, as a cosigner, they began collection proceedings on the account including phone calls and letters directed toward myself. That is fine, however the problem is they somehow entered an erroneous social security number for me in their system. In order to create an account and even look at balances, past due amount etc, in other words to be provided with a full disclosure of the debt they are holding me responsible for, a social security number is required. Thus I am in a strange and very unfair predicament where they are taking collection actions against me, including a threat to report the delinquent status to the major credit bureaus, but I have no access to the loan details! As far as I know there are laws against collection activity without full disclosure concerning the debt in question! I 've called multiple times and was told I have to send a photocopy of my social security card in order for them to update their records. They will not simply update it with information provided via phone call despite a lengthy identity verification Q & A - as if, in the age of digital photo editing, an image is any more secure?? So XXXX I sent a photocopy to the email address they provided, but they claim never having received it. Every time I call they place me on hold for XXXX min while 'researching ' the problem. I asked if they could simply supply an email address where I could send the photocopy, while on the phone with them, so I would know if they received it. they indicate for some reason they ca n't receive e-mail directly or something to that effect, and that request too is denied. so here again I 'm placed in an impossible situation! they ask me to send the photocopy to an email address, but refuse to provide me any confirmation they 've received it! Attempts to work with American Educational Services and resolve this problem have proven very time consuming. During that time, the loan status is continually ageing but I do n't have access to the necessary information in order to check the loan status, see when payments are due, for what amount, etc. I 've tried working with them to resolve the issue for approaching two months but the situation still drags on. I do n't have any recourse other than maybe hiring a lawyer but it is financially prohibitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: STATE FARM BANK, FSB
State: OH

Complaint narrative:
I have an account with State Farm Bank. My wife was using her card on the web site for a state institution. All transaction must be independent of each other. Therefore, phone, stamps and cash are XXXX transactions. After the first XXXX State Farm Bank denied the other XXXX. They called the home but just disconnected the call after my wife answered. She called back and learned it was the bank. After too many verifications she disconnected the call and I sent them a letter. I received XXXX letters from State Farm Bank. They have lied that they have tried to contact me by phone since that day XXXX XXXX. They now have this account on REFERRAL for verification and WATCH for verification. If this account ca n't be used State Farm Bank can close this account, State Farm Bank should have verified XXXX membership this is being disputed. XXXX membership is a unauthorized purchase. Dates XXXX/XXXX/16, XXXX/XXXX/16 and any {$11.00} on previous statements. XXXX was never authorized to use this card for XXXX Membership. XXXX XXXX made merchandise purchases only with this card. XXXX Visa card was there for the membership but XXXX XXXX canceled the XXXX XXXX membership in XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo allow multiple fraudulent chargton my account and refuse to handle the matter approiate legal manner wells Fargo allow my identity to be breach by these fraudulent charges with are still remaing on my account as today. Wells fargo is inteniinally trying to cause me some type of harm by leaving these fraudulent charges on my account if it not wells Fargo it 's self committing these fraudulent charges on my account!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
In XX/XX/2016 we approached Wells Fargo with a short sale offer on our XXXX family at XXXX in XXXX, MA. Loan number XXXX. Wells Fargo has consistently post poned, closed and avoided making a determination on this offer. They notified us last week that they will be holding a foreclosure auction on XX/XX/<YYYY> This would potentially created an increased tax burdon on us - since we have no control of their sale price and will receive a XXXX for the difference between amount owed and proceeds of the sale. This is an additional hardship they are causing above and beyond the hardships ( loss of jobs, damage to property, family deaths ) that caused us to pursue the short sale.

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 2016-09-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo still can not explain to me why, they denied my request for financial assistance help from New Jersey mortgage and finance. All I 'm being told by Wells Fargo, they are investigating. Yet they could not come up with an explanation to what happened. Its been weeks and still Wells Fago does not have answer to what happen. NJMFA, was willing to help me out and Wells Fargo refuse to except their help, onmy behalf. 

Other departments stated they have no information on it. It seems like this is being tossed around from one department to another department, and nobody can provide the actual information. I had attached the letter that states Wells Fargo denied me to get help. From this place, that was willing to help with the financial burden and pay Wells Fargo what was owed. If Wells Fargo was all willing to help me why would they denied the request from the state? Why at any point in time will Wells Fargo not accept any help from this agency what so ever? It should matter where it came from as long as they was helping.

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 2016-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: MD

Complaint narrative:
I have been looking for a house in XXXX XXXX S.C. and I was calling realtors requesting to see properties. All of them told me I needed to be approved by one of there lenders. I already had a lender but they pushed and pushed. The realtor I worked with showed me a copy of the mls listing and it stated specifically that I had to get pre-approved with there lender. Sounds like steering to me. here are some XXXX # 's that I saw that seemed to be inappropriate are # XXXX # XXXX # XXXX # XXXX # XXXX. I felt uncomfortable being pushed by the selling agent to use " there mortgage person ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Loan Payoff : Wells Fargo Bank loan was originally a XXXX Loan. XXXX received a loan for {$360000.00}. The loan was meant to pay off my existing first deed of Trust which was for {$170000.00} recorded XXXX. This {$170000.00} loan was never paid off, and still remains on the house. The house has been upside down since the initial refinancing of the house. Wells Fargo refuses to correct this error. 
Subordination : Wells Fargo has subordinated these two loans, putting the larger {$320000.00} ( Recorded XXXX ) one in first position, without paying off the smaller {$170000.00} Loan. ( recorded XXXX XXXX Thus the house was always upside down Duel Tracking : According to the California Homeowners Bill of Rights, they can not file a notice of sale until after the loan modification process is completed. The sale date has been set for XX/XX/XXXX. This sale date was set during the loan modification process as well as the resolution. 
Payoff larger loan : ( which was always in second position ) Wells Fargo has not satisfied my requests. I wish to stay in the home and modify payments.

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 2016-12-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I am XXXX currently under XXXX student visa and under XXXX insurance and I have some financial issues which I really need help for in order to be recovered. I go to gwu school of law

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I sent money to my mother in XXXX, and both times I did they cancelled the transaction, it did n't take to up to seven days for me to get my refund. The 2nd time I sent money the same thing happened and they needed the money to buy the bus ticket. I was mad I asked to speak to a supervisor and she said she was going to expedite the refund so it could take up to 2 days to be refunded. It has been 2 days and I am barely getting an email saying that " Western Union has received a request to cancel my money transfer : when it was them who cancelled my money transfer. Western Union is not good at all and when you want to speak to someone in regards to what happened all they say is for security purposes we do not have the reason. Just like we know they are all following a script. Western Union should change their ways soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I have many complaints and issues with this subject. Too many to describe at moment, but will give details later, do wish to be contacted immediately. I have been wrongfully blocked from Western Union, XXXX, even XXXX. I believe it is outside interference with select inside corrupt employees causing problems as well. I would like to be reinstated and have issues strongly evaluted, resolved and verified on my behalf. So that I can also retrieve my gifts - money transfers, that are being blocked by extortioners within and outside the company. I have strong reason to believe that this is what is going on, my new online business is being hacked and extorted the same, so now XXXX fold proof that I am being criminally robbed by rings and hackers. I do need someone to help me get protection and justice concerning and to retrieve my lost money and opportunities. XXXX, XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 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: SC

Complaint narrative:
On XXXX XXXX, 2015 I paid a debt of {$98.00} XXXX, ( with a XXXX ), for an outstanding balance due. It was finalized on XXXX XXXX. So last month when I was checking my credit report, I disputed this charge because it had been paid month 's ago. The dispute was acknowledged by the company at which time they posted it as an existing outstanding balance again and this time it was reported to XXXX as well as XXXX as such and has lowered my credit score because of this. I contacted XXXX personally today and they showed where this debt was paid on the dates listed above. I then called the billing department with XXXX as well and she acknowledged it had been paid as I had stated. She stated that she would be contacting AMCOL to have them remove this item. However, I am very upset that this has become an issue and feel as though I am being negatively impacted by the poor and unethical reporting processes conducted by this company. I want this fraudulent information removed from my credit report immediately and my credit for this matter repaired. I am hoping you can assist me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Other financial service — Money order
Issue: Customer service/Customer relations — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
The post office destroyed my money order, making it undeliverable to pay my bill, and sent me a letter of apology, but will not compensate me for something caused by their negligence. It also made my bill late. I obtained the initial money order at XXXX and was told I would have to add an additional fee to resend the money order. This is unacceptable! I am XXXX and on a very limited income. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI

Complaint narrative:
I applied for and received from XXXX {$3200.00} to help me with my escrow through Bayview Loan Servicing.BLS received by echeck XX/XX/2016 and sent back {$2000.00} to XXXX and ca n't explain to me why.I have heard all year that they are looking into the matter.In the meantime my credit report is poor and only because of BLS.and i am having trouble buying a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 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: PA

Complaint narrative:
XXXX XXXX XXXX aproved us for a modification and them filed a fha insurance claim then transferred the account to bayview we attended a conciliation conference on XXXX XXXX and was told by a XXXX XXXX XXXX representative that she contact bayview and they accepted the approved modification after that court hearing we arrived home and recieved in the mail the same day a statement from bayview asking for {$10000.00} to bring our account current or they will forclose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 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: MO

Complaint narrative:
Received letter dated XXXX/XXXX/2016 'last ACH payment returned unpaid '' & to contact loan counseling dept. 

According to my XXXX : XXXX/XXXX/2016 Payment processed for {$820.00} from your XXXX account XXXX XXXX XXXX. 
Estimated arrival date for this payment is XXXX/XXXX/2016. 
XXXX/XXXX/2016 Single payment to Bayview Loan Servicing was scheduled to be processed on XXXX/XXXX/2016 for {$820.00} from your XXXX account XXXX XXXX XXXX. 

XXXX # : XXXX This is happening for the second time & Bayview still has n't explained how they XXXX up the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BYL Collection Services
State: DE

Complaint narrative:
BYL collection Services debt collection didn '' t verify collection no contract or no signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX I disputed this Information via by Mail and again By their webiste. On XXXX XXXX XXXX Experian stated that the information was unchanged and had gotten validated proof from said credit. When asked to furnish these findings via Mail. I got no response yet the Bureau still has this item listed with very inaccurate information. It is still being reported on my credit report when it stated that XXXX XXXX the item would be removed. This company allowed XXXX XXXX to continue to make illegal reports to my credit report violating my civil rights. under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have 'verified ' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Exorbitant service charges without warning I have recently been making a quite a few online purchases using my peoples debit card via the online service paypal. I use my debit card online because it should be the same as cash with out fees. I had n't noticed these " network service charges '' until my most recent statement where the charges reached {$81.00} dollars. Furthermore the total charges for the past 12 month are {$200.00} in total of said " Network Service Fee 's. '' On Monday XXXX XXXX, 2016 I contacted XXXX, peoples, and had a conference call with XXXX institutions. I First contacted XXXX to question the fees on on bank statement, I spoke with a supervisor and he assured me that they do n't know why peoples would be charging a " per use '' fee. Second, I contacted Peoples, explained my frustrations on being charged over {$80.00} dollars in fees in one month alone, they assured me that " XXXX was aware of the methods of payment charges according to the 'nice ' system. '' From what i gathered from the conversation with peoples bank is that i am being charged as if i were using a " non-network atm ... '' I Have never been charged a fee to use my debit card online. ever. Furthermore, I do n't understand, nor could peoples bank explain, how making a purchase online is in the same category as making an atm withdrawal. When i make an atm withdraw, which is infrequent in my case, i am immediately notified on the screen of the impending charges BEFORE i make a withdrawal and only then am i asked to proceed. These charges on my statement have had no such warning. I asked peoples for an explanation of these charges and a refund. They denied my request. Explaining that " it 's in their universal contract '' that they will not refund and its not a problem with them, but the issue lies with paypal and " how they initiate the charge. '' To the average consumer, such as myself ' I would have no way of knowing that these charges would be instilled prior to to getting the statement! I feel defrauded out of {$200.00}, due the the fact these charges were instilled with out my knowledge. If I were to have known prior to these purchases that an additional {$3.00} " Network Service Charge '' per use of XXXX were to be placed i would have certainty have not done so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
On Sunday XXXX XXXX, 2016 I was called by Cash Central in XXXX, Utah, a company I 've never heard of. The caller, a woman named XXXX, said that she was following up on an lending inquiry I had made online. I repeatedly told her that I never made any inquiry and I repeatedly asked how and where she got my name and number. She would not answer. I asked for a supervisor and was connected with a woman named XXXX. I told her that I had never contacted or even heard of Cash Central ever in my life and I demanded to know where and how they got my information. She would not tell me. The next day, Monday XXXX XXXX, 2016, I received an alert from my credit monitoring company XXXX XXXX, informing me that XXXX credit reports were taken out on me today : XXXX from Cash Central and XXXX from XXXX XXXX XXXX. I have not applied for any service from either of these companies ever and I want to know who is doing so in my name. I have filed a XXXX XXXX XXXX with XXXX on Monday, XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 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: ProCollect, Inc.
State: MA

Complaint narrative:
I was n't living on campus at the time nor did I resign a lease to stay there during the time expressed on the fraudulent lease the manager signed my name there are numerous complaints of illegal activities in their office and its student housing they should be shut down because there are hundreds of students they have taken advantage of which is why I moved to begin with

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