vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-29 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:
For a period of time, my mortgage was underwritten by Wells-Fargo ( because mortgages are allowed to be bought and sold freely with no input from the customer ). How do I know if I am one of the people who has been wronged in this fiasco? Will Wells Fargo be forced to somehow publish the names of its victims so we can look ourselves up? 

The action of Well Fargo is likely to have damaged the credit ratings of many, many people. Today credit ratings are vital to most every aspect of a person 's life, since they are used as the basis not only judge whether you can receive a particular mortgage or car loan, but they are used to approve rental applications, financial aid for education opportunities, and to determine employability by many employers. Something must be done to restore the proper credit rating standing of these people. What can I do to find out whether Wells Fargo 's action affected my credit rating and how can I fix that damage? 

I know that Wells-Fargo has been cited and fined for defrauding the public, but I am asking that you also pursue them for each and every case of *identity theft* in which their staff engaged when using the names of customers to open accounts without the customers ' knowledge. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 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: NC

Complaint narrative:
I have paid off my loan but have not received my remainng escrow funds. I paid the loan off on XX/XX/XXXX and it is now XX/XX/XXXX. Per Bayview policy, I am to have my funds " forwarded to me 21 days after the payoff date ''. After ( 2 ) phone calls I was told it was mailed on XX/XX/XXXX ( which is past the 21 days as well ) but that it would take " up to 21 days to get to me in the mail ''. This is alarming as no mail takes 21 days and for the company to make such a statement should be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is threatening to send my file to a collection agency and file on my credit reports even though I am paying every month.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Financial Services is reporting a debt on my credit report for {$740.00}, I was not given notice of a debt collection until I recently pulled my credit report. 
They have also reported a different debt that I have been disputing for a long time with no resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NM

Complaint narrative:
I sent a letter asking them not to call my home phone. This letter was enclosed with a check ... which has been cashed. Then when they called my home saying they had not received the check ( which by this time had cleared my bank, ) I told them again not to call my home phone. They called my home phone again. I have also requested ( in XXXX separate letters and each time there is a phone call, ) for them to send me the original paperwork and an amortization schedule and a total still due. This has still not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Western Union refused to pay recipient of funds on multiple occasions. They retained my money for 6 months, and I have not been refunded. 

On numerous occasions I called or attempted to look up the transaction online. Every time I was informed that they could not find my tracking number ( XXXX ), and after escalating the situation, would be informed that the transaction was " on hold '' or " frozen ''. Each time the representative would inform me that they removed the " hold '' and the funds were available for pick up. And every time my receipient continued to be denied the funds. 

Last week I requested a refund. The representative agreed to issue a check for the funds as the debit card I used to fund the transaction was set to expire. I was told I would be contacted in 24-48 hours by Western Union to verify my address. I was never contacted. 

Since then I called Western Union 3 times : 1 ) First time learned that the representation last week had NOT cancelled the transaction, and that it was still on " hold '', but that they would release the transaction so that I could go online and cancel it myself. 
2 ) The second call I spoke to a supervisor who said that the transfer was arranged online so they could not refund me. When I explained that my debit card had expired, she said she would connect me with a different department, and the call dropped. 
3 ) During the third call a different representative told me that they could not issue a check for the refund as the transfer was originally arranged online. Instead, her supervisor would escalate the issue to their back office, which she referred to as the " trace desk department '' and would contact me within 24-48 hours. 

6 months, lots of time wasted, and no resolution about IF and WHEN I will ever be refunded. I have never encountered so many mistakes from a financial institution, especially on such a basic transaction. I would recommend wire transfers to anyone considering western union.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: TX

Complaint narrative:
I wrote a letter 30 days ago demanding legal validation. XXXX has ignored me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
XXXX XXXX from Law office of Patenaude & Felix called me at XXXX today. XXXX XXXX asked me if I intend to make payments on the loan I owe. I explained that since I have records of only XXXX loan being signed I had requested from XXXX XXXX, the representative at their law firm, proof of the second loan. XXXX XXXX proceeded then to threaten that they would enact the judgement against me, even though I 've repeatedly tried to get proof of this second loan that they insist I owe them. He harassed me by belittling everything I said and when I told him I could pay about {$100.00} a month he said, " Ha, you want me to do all the leg work for $ XXXX/mo that will take you 18 years to pay ''. I explained over and over again that I wanted to work with them but I 'm in a financially bad situation. Over and over again he made me feel scared about what they could do to me. I told him that I did n't want to speak to him any further and that I wanted to speak either to XXXX XXXX or the lawyer on my case, XXXX XXXX. He then said, " do n't you hang up on me ''. My husband and mom who were listening to the whole entire conversation were shocked and my husband kept saying hang up, but I did n't, even when I was physically shaking and crying. This was by far one of the scariest and traumatizing collection calls I 've ever had. XXXX XXXX has been rude to me in the past, but never like this. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 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: FL

Complaint narrative:
I have been approved for a trial modification from Bayview Loans Servicing and I made my first payment on XXXX/XXXX/2015. They took the payment via the phone using my checking account information. I understood that any foreclosure action would be halted once I was on a modification track..however, I just found a notice from a sheriff 's deputy on my gate indicating that Bayview Loans was trying to serve me with papers pursuing a foreclosure suit. This process service attempt is dated XXXX/XXXX/2015, eleven days after my first trial modification payment to Bayview Loans Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: UT

Complaint narrative:
Cash Central of Utah XXXX Utah XXXX XXXX Gave an unknown person a loan in my name. I.D . Fraud No. number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
My name is XXXX XXXX. My mother, XXXX XXXX XXXX, was phone scammed. They took her for {$2700.00}. She sent an additional {$1000.00} however, she did get that back. More education of the XXXX needs to be conducted. My mother is XXXX years of age. She has learned her lesson. 

The attached documents show the notes that my mother wrote about who was calling. The next XXXX documents show the Western Union transfers that were cash by the scammers. The next XXXX documents show where she sent the money ( {$1000.00} ) but got it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I sent money by Western Union to XXXX XXXX at XXXX, IA for confirmation that I was the one to receive a packet from XXXX XXXX. He was sending a packet containing {$50000.00} of his pay to me. I sent {$200.00} for the confirmation then XXXX informed me that I needed to send {$530.00} to clear customs for the Federal Gov. to allow the packet to be put on a plane to be sent to me. I texted with XXXX XXXX about the {$530.00} he agreed to pay {$330.00} and I pay the balance of {$200.00} which I paid also by Western Union. XXXX XXXX was to be sending money to help me with XXXX as I am XXXX which would have cost around {$3000.00} each and for XXXX which would have cost around {$5000.00}. I was informed XXXX XXXX was a scammer using XXXX XXXX XXXX 's picture as his picture.XXXX is a financial anylist for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
In XXXX XXXX, a default judgement for {$16000.00} was granted to XXXX XXXX XXXX against me based on a supposed XXXX debt. In XXXX XXXX, I filed a complaint with the CFPB ( Case number : XXXX ). I contested that this judgment was not obtained legally because I was not served in this matter and was not given the chance to defend myself. I supplied evidence that I was not in XXXX when the process server claims to have personally served me. I have previously submitted an affidavit from my employer and supporting financial documents to CFPB showing that I was in XXXX XXXX, CO ( XXXX miles away ). 

After receiving this information, attorney for the plaintiff, Machol and Johannes, did not ask the court to set aside the judgment. Instead they sent me and the court the process server 's field notes. The notes and service affidavit have an inaccurate physical description of me. Not only did the process server lie about serving me personally, she ( or someone with access to this information ), forged my signature on her notes. Whomever signed as me on her field notes made a poor attempt to copy my signature from the XXXX promissory note. I have included my Driver 's license & a lease to show what my signature looks like.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
On XX/XX/2017 I received this collection notice on a debt already paid. I have recently submitted a claim XXXX number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
On XXXX, XXXX, 2015 I sent for my mother in XXXX {$290.00} by Western Union. 
On XXXX, XXXX, 2015 my mother could not pick up the money because happened some mistake. So, I called Western Union reported what was going on and they said that in 9 business day they would give me an answer about an investigation on the case that they would do. 
They took around 3 weeks to give an answer after many attempt mine. 
On XXXX, XXXX, 2015, after words, they recognize that happened a mistake and they would refund the money for receiver - which was my mom. They gave me a new tracking number, as well. My mother just went in the bank and the money still not available for pick up! 
There is more than 30 days that I am trying solve it and they just say that the money is available, when it is n't! Or they say for I just wait more 3 business days!! XXXX WHAT?? ) It looks like they are just gaining time for I loose my rights!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Bayview Financial Loan Servicing is a predator debt collector. 
An unsecured SBA disaster relief loan was paid in full in XXXX. In XXXX of XXXX I received a re-instatement letter from Bayview Financial Loan Servicing for a commercial loan for a property with no address in XXXX ( I have never lived, worked or owned anything in XXXX ). and there was {$240.00} delinquent on the loan. I called the SBA loan dept and they told me the loan was paid in full with no outstanding balance. I explained that to Bayview Financial who in turn placed a charge off on credit report and repeatedly refused to remove it. Now as I am trying to refinance my house and I can not with this derogatory issue on my credit report - it states it is a real estate charge off. When I called again to dispute it, the supervisor at Bayview stated they now have found another new charge off for the same loan with a new amount of {$590.00} that will now be reported to the credit bureaus. The credit bureaus report whatever is given to them no matter how incorrect or wrong it is. This is absolute extortion and Bayview has no one to account to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
I have bill from " XXXX XXXX XXXX XXXX XXXX " on XXXX XXXX 2015 ( amount {$550.00} XXXX, and it was paid in full. 
but I 'm still getting contact by the collection agency " ( Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX XXXXXXXXphoenixfinancialsvcs.com XXXX XXXX ) XXXX ) '' and they still want me to pay ( {$400.00} ) to remove this debt from my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 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 dollars to XXXX for my mohter using Western Union on XXXX, after XXXX attempts to collect i called Western Union XXXX XXXX who indicated it was best to cancel the transfer. It was canceled over the phone but i never got a refund, after XXXX calls to their customer support, today being XXXX, i have ran out of options, so i 'm filing a complaint here. The money transfer was charged to my bank account despite the cancelation, and Western Union has n't been able or willing to provide a refund for a service it never rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am livid how Wells Fargo has handle my loan. I have tried to re-apply for a modification numerals times and Wells Fargo refuses to review my loan for a modification. I have tried to work directly with them but they have hang up my call many times when I start questioning them in regards to my loan. I do not want to lose my house I have an active sale date for XXXX/XXXX/16. Wells Fargo refused to withdraw the mortgage payment out of the automatic system, my cousin XXXX had activated before he pass. It has been really stressful to keep up with the mortgage payment because I was paying half of the mortgage when my cousin was alive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Wells Fargo bank is reordering payments to increase amount of overdraft fees they can charge. I wrote a check for XXXX to pay for the rent and deposit on a new place that was written on XXXX/XXXX/15 but was n't deposited until XXXX. I had XXXX payments that cleared before the overdraft hit my account that processed on XXXX and XXXX. Wells Fargo reordered the checks so the check was processed before the payments increasing my over draft fees from XXXX to XXXX plus the amounts of the payments they had already processed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Applied for refinance on home with Wells Fargo. After two months and {$600.00} later on my closing date, I was told I did not meet the requirements for a HARP loan. They knew this within the first five minutes of the first call to them. My credit score was XXXX points to low to even be considered for a HARP refinance loan. Yet, the had me faxing, running up to the bank, copying and sending, emailing etc. for two months leading me to think I would be approved. I feel I was taken advantage of and scammed of my {$600.00} thru unethical practices they have going on.

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 2016-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am writing this letter because I am fighting to save my home .Wells Fargo Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. The state court has ignored my pleas in Illinois circuit court case XXXX XXXX. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller and receiving a modification according to value of the property.

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 2016-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
file has failed Quality control review twice now. 
This is the 2nd time this happens and the file is declined for failing quality control review we have not received a clear answer of why this is happening on this account. The only answer we got is it failed QC and its not in the investors best interest to accept the offer. 
This file was previously closed out because we were advised the file failed QC, per Wells Fargo a party involved is questionable and black listed. We were informed that it was the Buyers, so the agents looked for a new offer and obtained one which we now submitted. 

This new offer has been declined, I was informed Wells Fargo decided to close out the file. Per the Short Sale dept. the short sale does not meet quality standards and there is a questionable person involved in the transaction who has been black listed. 

I 'm concerned that its either the agent or the sellers as this is the 2nd time this happens. 

There is a XXXX XXXX foreclosure sale date and we are doing everything we can to get this short sale completed and avoid a foreclosure for Wells Fargo and the seller but Wells Fargo will not provide us clear answers in order to resolve the issue at hand and complete the short sale with an acceptable offer. They rather remain vague and let the property go into foreclosure by playing these games.

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