vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-07 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I tried to send money through Western Union, the money is on hold and they are giving me the run around and wont do anything to help resolve this issue. they have asked me several times about my identity and even ask me for a copy of my drivers license, which i have sent to them twice and still wont return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
I received a phone call from Phoenix Financial Services LLC stating they were collecting a debt from a medical company for services received in 2013 ( 3 years ago ) I told them I was not aware of any debt that my medical insurance did not cover. I asked them to mail me information on the debt so I could research the debt because 3 years ago is too long ago for me to even remember if that happened. They verified my address and said they would mail it to me. I receive a XXXX page document in the mail that does not provide me with any information that verifies that this is my debt. I also mailed a written letter to the debt collector again requesting the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I was part of a XXXX.settlement : Consent Order AP File No. XXXX ( See attachment ) On XXXX XXXX I called and spoke to a service person at the XXXX number listed on the letter because the email address listed was not working. I was told that I will be receiving a check in the amount of {$490.00} and I I have not received the check. I called today to check the s status and was told that I need to place the status request using the email : XXXXXXXXXXXX. I did that and I received a response stating the email is no longer being monitored and I need to call the number XXXX. 
So I called again and this time I was told I need to contact the CFPB because XXXX does n't have check status info. I called your agency and was told I need to get the info from XXXX. I want to file a complaint and have you research this matter on my behalf because I believe there is fraudulent activity taking place since I have no check and I ca n't get any info from them. Please look into this and respond back to me ASAP with an update. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I was sent a letter on XXXX XXXX, XXXX ; from Patenaude & Felix , A.P.C., XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ; stating I owe : {$6000.00} from XXXX XXXX XXXX, XXXX. ; account # : XXXX XXXX XXXX XXXX. I will first state ; the last payment made on this account was XXXX XXXX, XXXX, the account was Charged Off on XXXX/XXXX/XXXX and closed, this account was removed from all XXXX of the major credit reporting agencies in XXXX XXXX, XXXX removed it : XXXX XXXX. 

XXXX XXXX, XXXX ; the above law office sends past bill notices and also they sent me a " Judgement by Default '' dated XXXX XXXX, XXXX ; in which I NEVER knew about, NO ONE EVER HAD ME SERVED, AND THIS IS THE FIRST I HAVE SEEN OF THIS court document. Case # : XXXX. 

I would like to know, how can XXXX get a judgement on me in XXXX, after they Charged Off this account, and AGAIN, this account was removed from my credit reports in XXXX and in XXXX XXXX. 

I responded to their first letter on : XXXX XXXX, XXXX ; stating the 7-year diary has came and gone in XXXX XXXX ; the account has been removed from my credit reports, and trying to collect on an account after the 7-year diary is protecting me, this is not legal and I would like them to close the account from their files. 

This is when they followed up with their letter on : XXXX XXXX, XXXX ; showing a default judgement for XXXX XXXX, XXXX ; in which again, I was NEVER notified of being " sued for a judgement '' and I was NEVER notified of a court date. 

What I do know is, XXXX charged off this account. XXXX removed this account in XXXX XXXX. XXXX and XXXX removed it in XXXX XXXX. 

XXXX Credit report dated on : XXXX/XXXX/XXXX is stating and showing ; XXXX " Charged Off '' and " Closed '' this account on : XXXX XXXX, XXXX. Getting a Judgement on me in XXXX XXXX ; 2 years later and now a Law firm is contacting me to collect a debit, that is over 7 years old, this is illegal. 

Please help me with this matter. I do not have a scanner to scan my documents, but I can fax this to you if you provide me with a fax number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Patenaude & Felix A Professional Corporation
State: GA

Complaint narrative:
I have constanlty harras by this deb collectorOF A DEBT THAS IS XXXX YEARS OLD. IS THIS LEGALUNDER NAME OF PATANAUDE AND FELIX APC. 
THI IS PHONE NUMBER IS XXXX XXXX XXXX NUMBER IS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I used western union to transfer XXXX $ from my bank account in United States to bank account in XXXX on XXXX XXXX, 2016. I received email stating my bank has received the amount on XXXX XXXX, 2016. When i contacted my bank in XXXX they informed me that they have not received any amount. Upon calling western union on XXXX XXXX, 2016 they told me to wait for 3-5 business days for the amount to reflect on my XXXX bank account. After 3-5 days ( XXXX XXXX, 2016 ) when western union was contacted by me to know the status they informed that my bank in XXXX has rejected the transaction and therefore, a refund is being processed for that amount which should reflect in my United states bank account within 3-5 business days. I called western union again today ( XXXX XXXX, 2016 ), I was informed that my transaction was completed and the amount was infact deposited in a bank account in XXXX which did not belong to me. I confirmed the bank account number and IFSC number with western union which was infact correct. I do not know where my money is right now. According to western union supervisor a case has been filed for the refund on XXXX XXXX, 2016, when I requested for a case ID number or any proof, he informed me that we can not provide you with that information. He told me it takes 20 business days for the complained to be processed and another 20 days for the refund to reflect in my account. Right now, I do not know where my XXXX $ are at. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I was contacted by phone, with a threat of criminal prosecution if I did not pay the amount in question, on a loan I know nothing about, did not apply for or receive, and have never received any bills for - and they would not provide me with any of the details about the alleged loan - hanging up on me several times over the past XXXX days. 
They are threatening me with criminal prosecution - something that could destroy my career, clearly trying to frighten me into paying the {$630.00} in question - an amount I could have paid at any time, and which I have considered paying to make this go away - even though, as I have said repeatedly, I did not take out this loan, and if XXXX was taken out, it was done fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Monarch Recovery Holdings, Inc.
State: TX

Complaint narrative:
I received a call from Monarch Recovery Management regarding a personal business matter for my mother. I simply asked the representative for the name of the company and a phone number in which she could call back. The representative and her Supervisor XXXX XXXX both refused to provide any contact information for their company. I considered this harassing behavior and an unfair deceptive acts and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 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: CT

Complaint narrative:
I submitted a Qualified Written Request to my " loan servicer '' ( Bayview Loan ), it was signed for on XXXX XXXX, XXXX and I have NOT even received a written " acknowledgement '' of receipt and I am nearing the 30 day limitations under which they have to provide the requested information. It was clearly directed to the person stated in the letter they sent to me, who seems not to exist. I understand there is now a {$2000.00} penalty for default upon this action and that 's not even to mention the fact my loan was predatory from inception, I was extorted more than {$44000.00} by the previous servicer ( XXXX in XXXX of XXXX when they ceased to exist as of XXXX XXXX, XXXX ) and was not even the actual servicer. The XXXX documents that accompanied the Notice of Foreclosure were filed on the exact same day, forged 8 months AFTER the loan was sent to yet another servicer ( XXXX ). Upon serving a QWR upon XXXX on XXXX XXXX, XXXX they immediately drafted yet another XXXX document- the author of which is currently serving time in CA for white collar crime and was completely Robo-signed on XXXX XXXX, XXXX. XXXX subsequently withdrew the foreclosure ( through XXXX, XXXX, XXXX ) and I was later transferred to a company called Bayview, which I had never hear from or of, yet they now sent statements. What should I do? My thoughts are to file a Quiet Title and recoup the damages for erroneous billing ( I was paying the wrong mortgage company for 10 months before I was notified via a " post it note '' on my monthly auto-check, that I was sold to XXXX, it was never late, nor properly accounted for hence my paying in excess of {$44000.00} via the " Foreclosure Mill '' XXXX, XXXX XXXX XXXX in CT - payable to a " deceased entity ( XXXX ). I have been completely defrauded, been subjected to severe distress, financial burden, lies, forged documents and essentially been a rag-doll for the XXXX largest foreclosure mills ( both of which have been under investigation by the CT AG ). My credit has been destroyed by this aside from having broken my back in XXXX of XXXX. I have done everything I feel I can at this point. Can and how do I file a claim for failure to respond to my QWR by Bayview and take further action. I am now on XXXX and am of limited means. I love my family home of 40 years, but these banksters must be stopped!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC
State: PA

Complaint narrative:
company is on my credit report for unpaid XXXX charges. I have always had insurance and i have called for information on this account and can not get information off my report..I have filed several disputes. I have never used this facility and I have always had insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
I was convinced to transfer money to someone in return for products but have not heard from this person since. I believe it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Called outside of 8am-9pm
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
My phone rang at XXXX from Bayview Home Loans trying to get my mortgage payment..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMCOL Systems, Inc.
State: OH

Complaint narrative:
I had my report pull in XXXX XXXX I found unverified information listed on my report.I received a information that under the Fair Debt Collections Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from AMCOL SYSTEMS INC but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/XXXX ], to protect my privacy and medical records from third parties. I do not recall giving permission to { name of provider } for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter-sent certified mail as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back with you certified mail. 

Regards, Certified mail No : AMCOL SYSTEMS INC # XXXX XXXX XXXX XXXX XXXX , SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I sent {$200.00} to my brother in law XXXX XXXX XXXX in XXXX XXXX on XXXX XXXX. Western Union XXXX WU XXXX placed a hold on funds requesting further information for the reason that XXXX XXXX name is on the sanction list. I provided copy of XXXX XXXX 's Passport, ID, Address, DOB, Employer, Employment, Place of Birth information. I call 7 times to check the status of this money transfer. But each time, Western Union would give me run around. Following are the different responses I received from WU:1. Stating that hold is being worked on by a certain Government Agency and there is nothing WU can do about it. 
2. Oh, we never received your email and documents3. Please provide us information about his employer4. Resend us documents5. We will call you ( they never did ) At this time, I just want my money back. And I will be very upset if they keep their {$10.00} fee

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: AMCOL Systems, Inc.
State: LA

Complaint narrative:
I have no idea who these people are and they report some debt to all XXXX credit reporting bureaus and call my cell phone all the time and leave threatening messages of arrest warrants and even come to my place of employment!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 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: VA

Complaint narrative:
Our mortgage loan was sold from XXXX to BayView loan service in XXXX and the transfer process did not go smooth it took them 3 months to give us an account number. in addition, they lost XXXX of our payments which caused three years of confusion which in turn lowered our credit scores significantly and we finally got it cleared up this month XXXX XXXX.

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

Complaint narrative:
In XX/XX/XXXX, I lost my job and was unable to keep up with mortgage payments. Upon contacting Bayview Loan Servicing and informing them that I may have a hard time making full payments they suggested I make an application for the loan modification program. I submitted the application in XX/XX/XXXX for same. After having submitted XXXX complete loan modifications to Bayview Loan Servicing and receiving some excuse or delay from them each time, it became apparent to me that they were not going to help me but instead actually put me in deeper financial trouble. I purchased the home in XX/XX/XXXX paying {$68000.00} for the property. Bayview now informs me that the payoff is in excess of {$74000.00} and they want the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 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: FL

Complaint narrative:
ii WAS CHARGED FOR FLOOD INSURANCE EVEN THOUGH I SUBMITTED PROOF THATWAS ACCEPTED BY THE COMPANY, BAYVIEW LOANS. 

THIS IS PREDATORY!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
On XXXX XXXX, 2015 I reached out to my Congressman. I am currently XXXX, unable to work, and has a XXXX year old daughter. I am under tremendous stress, and receiving XXXX for my illnesses. As a result he was unable to keep up with my mortgage, and my home entered into foreclosure. I needed assistance to postpone a trustee sale on my family 's home. I have been working with a HUD housing counselor, gathering the necessary documents he needed to apply for XXXX ( XXXX ), XXXX program. The request was made to Bayview Loan Servicing for an extension, in order to give me enough time to submit the required documents, submit my application, and receive a tentative approval from XXXX. 
On XXXX XXXX, 2015 after sending a request to Bayview Loan Servicing to give XXXX XXXX more time, the Congressman 's office received a response concerning the case. The response stated a new sale date of XXXX XXXX, 2015. 
However on XXXX XXXX, 2015 I was notified his home was sold on XXXX XXXX, 2015. That same day my Congressman 's office spoke to XXXX XXXX of Bayview Servicing and confirmed that the home sold. A supervisor had agreed to contact their office that day but that has yet to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I took out a home equity mortgage with Wells Fargo Mortgage in XXXX. I have had this repeated issue whenever I pay my bill past the XXXX of the month, but always before the end of the month. They charge a late fee of {$13.00}. They repeatedly have not applied my late fee and keep saying that I owe it. They are putting the monies toward the principal balance. Today after talking to XXXX XXXX at XXXX about the matter he transferred me to XXXX XXXX at XXXX He said as a courtesy he could apply one late fee amount to the unapplied late fees. They now have me down for two late fees. He said they can not do that without further research. I said if brought in my receipts ( because I pay them at the bank due to other issues I 've had with them in the past that I reported when they said they did not receipt payment by mail or online ). He said that actually it is to my benefit to have the late fee go towards the principal because it will reduce the interest. I explained to him I have already paid off a mortgage on this home early and I am aware of how mortgage amortization works. I have also dealt with shady mortgage companies who tried this same trick of saying one was behind due to not applying late fees. I 've owned my home since I was in my XXXX 's in the XXXX 's so you can imagine that I 've seen the patterns before living in a city where predatory lending virtually began. 
So, I am going in to the bank with my payment receipts from the last few months to attempt to rectify this matter today. XXXX XXXX gave me his direct number and fax line. Hopefully this can be taken care of. 
I am complaining because this has been a continuous problem this year. My last calls in the spring rectified the problem at that time. Now just a couple of months later they are doing the same thing. I am sure if this is happening to me it might be happening to others. I trust you will investigate this Wells Fargo practice that I believe violates the Fair Debt Collection Act.

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