vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
I XXXX applied for a mortgage on or about the year XX/XX/XXXX. I applied for a mortgage amount approximately of {$140000.00}. I filled out a XXXX form and supplied all necessary documentation along with signing a XXXX form so the bank who originated this no income check subprime mortgage could verify I can afford it. The bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX 's directly XXXX to verify my actual income and stated what it was instead. The current mortgage/note, XXXX XXXX XXXX Bank and also with Bayview loan servicing # XXXX on my Property : XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX, my S.S. # is *********** D.O.B. XX/XX/XXXX. XXXX XXXX XXXX Bank and Bayview Loan Servicing XXXX committing the following Fraudulent and Federal Law violations:2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF XXXX ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I have not received my check from the settlement from paymap. I followed the instructions but never got the check from the company but they are refusing to reissue the check for {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: LA

Complaint narrative:
I was injured while attending a training for my employer. out of town. I tripped over a medal strip while exiting an airplane. I filed a workers comp claim with employer. My doctor sent me to get therapy for my XXXX, which turned out to be a XXXX XXXX injury. My insurance XXXX paid the claim initially according the their rep ( XXXX ) Then workers comp claim paid also. but still sent my name into collection. Louisiana 's Workers Comp Rep was angry because I injured myself and did not wait for her to assign me to be seen by one of her preferred doctors for evaluation. This is a total retaliation from workers comp rep and the doctor they use to evaluate workers comp patients.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NV

Complaint narrative:
XXXX Credit Bureau informed me via CFPB # XXXX that Cash Central failed to notify their request for a removal of XXXX Hard Inquires which continues damaging my credit score. 

Cash Central representative XXXX XXXX, ( phone XXXX XXXX send me a letter on XXXX/XXXX/15 stating that a request to remove the XXXX hard inquires was sent XXXX. 

According to the response receive XXXX, as of this date, Cash Central have failed to comply with their request to remove the XXXX hard inquires which continues damaging my credit score. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BYL Collection Services
State: CA

Complaint narrative:
No knowledge of this debt. Never received notice of 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 2016-09-14 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: NJ

Complaint narrative:
Bay View Loan services is my mortgage company. They have not paid my property taxes and now my taxes are up for sale as of XX/XX/XXXX. I called the company several times and its not being resolved. I obviously do not have the money to pay these taxes because they have it. I am not sure what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 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: TX

Complaint narrative:
This a collection notice for medical for a work comp accident. This is an illegal collection attempt under the work comp laws of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
I have a joint checking account with my step daughter at People 's United Bank. She lost her debit card and called me. I tried to get a replacement ordered at the local branch. She goes to school in a state with no branches. I was told that she would have to appear at a branch to sign an application. She found a branch while on a trip, and ordered her replacement card on XXXX XXXX, 2015. To date, XXXX XXXX, 2015, she has not received it despite my XXXX additional trips to the local branch. During XXXX trip to the branch, I was told that three weeks was not unusual for a wait to get a new card by mail. On the last visit, I was told that she would have to call the customer service line and that given the circumstances, they would allow her to reapply for the debit card by phone. The bank normally charges a {$25.00} fee for " expedited '' delivery of debit cards. I asked if they could tell me when the card was originally mailed, and they could not. No record is kept. They claim the card is mailed the day after it is ordered but I was originally told it would take two to three weeks unless the expedited fee was paid. On my last visit, I was told that the bank " should be able to '' waive the {$25.00} fee to replace the card. My step daughter is on the phone with them now, and waiting for an answer regarding the fee. She just reported that they would not waive the fee, and they refused to send it to her school address. They are sending it to me and I will have to overnight it to her. We are in the sixth week since she ordered the replacement card and it may be another week before I get it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I made a deposit ( XX/XX/2016 ) and receive no notice of delayed availability. The balance on my account after the deposit reflected {$73.00} and the item that came in was {$73.00}. I thought my deposited funds would be available to cover subsequent payments. The balance alert came through on my account as of XX/XX/2016 reflecting a balance of XXXX. Based on this information, i did n't know there would be a fee since i made the deposit the same day the item is showing on my activity. I am confused, as to how this is done. The payment came through on my account and item was paid and a fee was charged. Why was n't i notified at the time of deposit that something was pending on my account. Had i known by notice by the teller or notice on my receipt that my funds are not available i would have transferred money into my account to cover this item.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-04 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
An iPhone 6 was offered on XXXX by XXXX XXXX with an email address of " XXXXXXXXXXXX '' She replied with a different email address of " XXXX '' and stated she was from XXXX, Ohio. When I suggested meeting to see the phone, she said she was in XXXX, XXXX and had the phone with her. She said she would arrange to have the phone sent to me by " Just In Time '' a parcel shipping service in XXXX. I was asked to send {$300.00} by Western Union to " XXXX XXXX XXXX ''. The money was sent on XXXX XXXX and Just In Time promised delivery of the phone to me by XXXX XXXX XXXX. When it was not received, I sent several emails to Just In Time and to XXXX XXXX asking the whereabouts of the phone and they have not responded. This is a SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 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: PA

Complaint narrative:
This is a complaint related to the non-answer on Complaint # XXXX I received from Bayview on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ( attached ). The original complaint : Describe what happened so we can understand the issue ... 
I had a loan on a home in Florida of which the mortgage was purchased Purchased in late XXXX and became serviced by Bayview Loan Servicing. The property was surrendered last XXXX in a Deed in Lieu transaction. On XXXX/XXXX/XXXX ; I received a XXXX from Bayview with the incorrect Fair Market Value of the home and therefore, the incorrect amount of discharged debt. The XXXX was not filed on a timely basis and incorrect information was given the the IRS. 

My response : To Bayviewloanservicing Customerservice XXXX XXXX CC CPA XXXX XXXX XXXX Message body To Whom It May Concern : I have received your response to my inquiry dated XXXX/XXXX/XXXX and have further asked the CFPB to pursue my complaint. I believe the XXXX ( Corrected ) document I received on XXXX/XXXX/XXXX is ( a ) in error in its amount and ( b ) not received in a timely fashion and ( c ) the original from was never issued to me ( if this is indeed a " Corrected '' version ). The pertinent paragraph in my DIL documents was unequivocal : Inline image If you were to pick another FMV of the property ( from the several appraisals you conducted ) ; it should have been immortalized in the Document of DIL. I 'm am not a expert here but am sure you 've violated IRS rules in the timing of issue ( my quick research indicates that XXXX 's for Cancellation of Debt are due to Taxpayer by XXXX XXXX ) and in the amount on the XXXX Corrected. Please correct this mistake immediately. 

Attached : Your XXXX/XXXX/XXXX Response The DIL documents signed XXXX/XXXX/XXXX XXXX Corrected received XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Cell XXXX Bayview has now delayed me again on this response. I believe they are outside of IRS and Consumer Finance laws here but they refused to answer a call of try honestly to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I have a interest only loan. Every month I try to pay what I can to reduce the principal balance. Bayview was applying the extra payment to the principal until XXXX 2015. Although I 've told them verbally and in written many times to always apply the extra money to the principal, from XXXX they chose to apply it to future payments. Any intent to correct that takes at least XXXX to XXXX calls over a month to their customer service department because the agents have no clue how to verify if the correction was made or not. They do n't even know how to read their system and most of the time is wasted in them trying to understand if there was a misapplication reversal or not. Each call takes between XXXX minutes to over an hour. When you ask to talk to a supervisor, they transfer you to a " never stop ringing extension ''. There is no one to complaint about. They just say sorry and apologize but do not provide a resolution and as a client you feel completely mistreated. I wonder how these people can handle something as important as loan payments and they are not even trained to do that. I am attaching an email that I sent them in XXXX XXXX and they replied on XXXX XXXX. The same day that they made the misapplication again for the following month. In the statement they request the payments to a XXXX XXXX XXXX in a letter they sent me they suggest to send the payment to their address in Florida in order to " ensure proper application ''. This is contradicting. Why do n't they have the Florida address in the statements? Why would they not " properly apply the payment '' when I send the payment to their XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have made consistent payments on time into my private student loan through Wells Fargo. I still have late fees issued to my account, even though the monthly payment was paid well ahead of time, and for more than my minimum monthly payment. This has been done multiple times in the past few months.

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 2017-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo negotiated a payroll check after 7 months and it had a stop payment initiated on the check. stop payment expired at 6 months and no red flag in their system to catch this check while it was being cashed. they charged me {$31.00} for the stop payment and allowed the {$960.00} check to be cashed. They take no responsibility as a institution to protect their customer or consumer.

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 2016-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had my mortgage with Wells Fargo bank. On XX/XX/XXXX I made an online transfer from my Wells Fargo checking account to my Wells Fargo mortgage. I made the full payment with a small additional amount toward principal. On XX/XX/XXXX they " reversed '' my payment but did not refund my money. Then on XXXX sold my mortgage to XXXX. I then got a bill from XXXX. Contacted them and told them I already made my XX/XX/XXXX payment but it was made to Wells Fargo. They told me to contact Wells Fargo, which I did- and they literally told me I was no longer their problem. I am now a month behind on my mortgage and owe a XXXX dollar late fee, even though I made the payment and my checking statement clearly shows my money going to Wells Fargo mortgage and never being returned after the payment was " reversed. '' It 's ridiculous to expect a person to just throw away {$850.00} and make an additional payment just because their bank decided to sell their loan. I was not apart of that decision process so I should not be made to suffer financially because of it.

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 2015-08-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have over {$2000.00} a month I am currently supposed to pay in student loans. I am in the income based repayment plan for my federal loans, but my private loans have not been able to work with me XXXX XXXX and Wells Fargo XXXX. I have already files a complaint with XXXX seeing as I have tried everything and am now forced to pay them every month, leaving me unable to make other payments to survive. However, Wells Fargo does have a income based repayment plan, which I was very excited to be a part of. However, after I sent them everything they needed to see if I qualified they told me that " even if we reduce your payment to {$1.00} a month, you still would n't be able to afford it ''. Therefore, they did nothing and I am required to pay near {$700.00} a month to them. I have tried offering to pay $ XXXX/loan a month, but they will not take it and say it will still charge off. I am left helpless, hopeless and unable to function. I am begging for help. I desire to pay my loans, as I am the one who took them out, but I ca n't survive this way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I graduated from XXXX XXXX University in XXXX of XXXX. I have been on the search for jobs since I was let go at my former XXXX ( I am a XXXX ) almost a year ago. Back in XXXX I had submitted a complaint with the XXXX about Wells Fargo reneging on the in-school forbearance policy and was able to get them to defer it until I had properly graduated. I told them what my official date of graduation would be ( XXXX XXXX, XXXX ) and according to my account information on XXXX my forbearance period was shown to hold until XXXX of XXXX. 
Much to my surprise I received notification by mail on XXXX/XXXX/XXXX that they are once again reneging on a documented date of forbearance claiming that I had graduated and thus the date was updated. I totally agree that in-school forbearance should only last until I 'm out of school however, I had electronic data telling me that my forbearance would be good until XXXX of XXXX. Given that I do not have a job yet ( but am closing in on a few ) I really needed at least 6 months of forbearance after I graduated to give me time to find and settle into a job, at which point it was my intention to start paying on this private loan. 
But it is my opinion, and no doubt the opinion of countless other consumers, that spontaneously changing due dates on a whim is EXTREMELY bad business practice and should be illegal ( if it is n't already? ). Wells Fargo had the date of my graduation and if they intended on cancelling my forbearance after my graduation date then that date should have been the XXXX on my Wells Fargo account showing me when exactly I should expect to need to start paying. 
Nonetheless, I had called on XXXX/XXXX/XXXX to confirm all of this and inquire about getting a deferment based on unemployment or whatever could postpone me until I find a career and was told that the maximum deferment period would only be two months and that I needed to make a " good faith payment '' in order to be CONSIDERED for said forbearance ( i.e. it was n't a guarantee ). Luckily I 'm aware that if I type in " Wells Fargo XXXX me on forbearance good faith payment '' into XXXX and other consumer-watchful searches I could come up with dozens of people that have had this " Good Faith Payment '' backfire on them. 
The bottom line is that Wells Fargo is not being considerate of their consumers that are recent graduates and are reneging and changing due dates whimsically ; its unprofessional and should be illegal. And the requirement of having to make a " good faith payment '' in order to be considered for forbearance makes no rational sense ( if I had money to make a payment, why would I need forbearance in the XXXX place? ) and is highly suspect. Please do something about this!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX is complaining that she is the part owner of premises. That XXXX XXXX was a constructive trustee. That ASC ( the servicer ) has failed to assist her or XXXX XXXX to keep the home. The investor is XXXX. Although I have been authorized on the account. XXXX has reported and continues to report negative information regarding this account against XXXX XXXX although there information is incorrect. Please note that this lender has not submitted to any proof of debt, standing and/or default of the terms of loan. In fact I believe that the original note no longer exists and the are attempting to foreclose with a electronic note scanned and altered. There is currently a scheduled foreclosure auction on XXXX XXXX, 2015. I would like for the auction to be stopped pending investigation, negative reporting stopped and for a copy of all credit files including mortgage and mortgage not be sent to me. Please note I have on XXXX/XXXX/2015 i filed a complaint # XXXX however I made a mistake with the name of the lender. It 's the same complaint. Please stop the sale date until we find a solution

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I 've had a Wells Fargo Secured Credit Card for two years. I funded the account with {$800.00} from my Wells Fargo checking account. When I called Wells Fargo to close the account today ( XXXX/XXXX/16 ), I was informed that the outstanding account balance, {$600.00}, will be applied from the {$800.00} deposit. This I expected. However, I was informed that the balance refunded to me will not be given back to me for 45-60 days. In addition, until the amount was refunded to me, I will have to make payments or be charged late fees. Also, I was told that the account needs to have that long of period to refund the difference in case there were any transactions from merchants that Wells Fargo has agreements with so the amount could be charged to the 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 2015-04-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo has apparently been charging us " late '' fees that are actually " early '' fees because we are paying too early. We set up auto pay to be synced to my wife 's pay cycle, but Well 's Fargo decided this was too early in the month so just started racking up {$35.00} fees without any correspondence or notification of an issue. Is this legal? We have many consumer credit accounts and no one has ever penalized us for paying too early.

Company response to consumer: Closed with explanation