vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-27 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: LA

Complaint narrative:
The amount of interest is ridiculous. I applied for this loan and did not anticipate it working like this. I make good money, and was in between jobs. My payments are over {$300.00} and that barely covers the interest. I am in Louisiana and from the laws I can find this is a illegal practice. The company has links to previous loan statements but every one of them says the document is unavailable. I can see this company creating a new invoice with whatever numbers they would like.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Lamont, Hanley & Associates, Inc.
State: IN

Complaint narrative:
Received a call from a company called Lamont Hanley and associates at XXXX on XXXX/XXXX/2016 phone number XXXX XXXX stating i owed for a old farmers auto insurance policy that was reinstated in XXXX i never received a letter related to this info. I spoke with the rep and requested to know where was the letter stating i owed this bill because i have a bankruptcy at this time the rep requested the bankruptcy info which i replied i do n't have it with me, he then requested when he could call back and told him i dont know he then shouted pay your bill and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
In XXXX 2016, I received a letter from my mortgage company, XXXX XXXX, that they would stop using XXXX XXXX for processing of their accounts starting XXXX XXXX 2016. From XXXX to XXXX, XXXX XXXX, continued to withdraw money from my account electronically through ACH. I phoned XXXX on XXXX XXXX with no contact with a representative. On XXXX XXXX, which a representatives " XXXX '' said it was the fault of XXXX XXXX, who is a third party in which XXXX XXXX used. On XXXX XXXX, I phoned XXXX XXXX and canceled my program with them, receiving the confirmation number of XXXX. My bank XXXX started a dispute with XXXX, XXXX, in which XXXX XXXX finished them a copy ( which I do not have nor been given ) of my authorization for withdrawal. On XXXX XXXX, XXXX XXXX withdrew another {$1300.00} from my account through ACH. I phoned XXXX, whose representatives reached XXXX XXXX ( after dialing XXXX nonworking customer service numbers ). We spoke with XXXX, agent # XXXX, who again tried to push it off as an XXXX XXXX problem. XXXX tells me I need to provide proof that payment was actually received on their end through providing several documents and then their accounting division will " research '' the problem. This seems very unlawful as I do not, nor ever have, had a loan with XXXX XXXX and as of XXXX XXXX 2016, my mortgage company ceased to operate with XXXX. Therefore any authorization on my behalf to submit payments to XXXX XXXX would be null and void based on the fact that XXXX does not service loans with XXXX XXXX. XXXX XXXX is not receiving the payments from XXXX XXXX. On XXXX XXXX, I phoned XXXX XXXX to confirm they closed my account with them as requested on XXXX XXXX. I spoke with XXXX who tells me I owe XXXX XXXX over {$2000.00} because they reversed the payments and supervisor XXXX, acknowledged that the company unlawfully accessed my account on XXXX XXXX to recoup the funds. I never gave them verbal or written access to my account. Thus, BOTH companies are conducting themselves in unethical ways by withdrawing money using ACH under different company names and accessing accounts without approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: LendUp Loans LLC
State: NJ

Complaint narrative:
Could n't verify my address supposedly after fasley advertising credit for all. The companies that provided the information are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. The company that offered the loan was Flourish Inc. DBA Lendup XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX.

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: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
ON XXXX/XXXX/2015 I SENT XXXX TO WESTERN UNION VIA ELECTRONIC BILL PAY IN RELATION TO MTCN XXXX AND STILL HAVE NOT RECEIVED THE FUNDS OR A REFUND. A REFUNDED CAN NOT BE RETURNED TO THE ACCOUNT BECAUSE THAT ACCOUNT HAS BEEN CLOSED AS A RESULT OF THIS MATTER. ON XXXX/XXXX/2015 I SENT XXXX TO WESTERN UNION VIA ELECTRONIC BILL PAY IN RELATION TO MTCN XXXX AND STILL HAVE NOT RECEIVED THE FUNDS OR A REFUND THIS ALSO CAN NOT BE RETURNED TO MY NOW CLOSED CHECKING ACCOUNT AND WU HAS BEEN TOLD THIS OVER AND OVER. I RECIEVE NEW LIES FROM THEM DAILY ABOUT WHERE MY MONEY IS AND THE REFUSE TO FOLLOW THROUGH WITH THE TRANSFER OR HAVE MY FUNDS READY AT A LOCATION FOR PU IN CASH. I AM BEING EVICTED FROM MY HOME AS A RESULT, MY XXXX HEALTH AS WELL AS XXXX HEALTH HAS BEEN DRAMATICALLY EFFECTED ( I AM XXXX ) THERE SEEMS TO BE NO END IN SIGHT AND I AM NOW ON THE STREETS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
Western union failed to say that if i use a credit card to process my transaction it will cost me money from my Credit card as a cash advance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: WA

Complaint narrative:
The company is calling about XXXX or XXXX times a day. Once on my wife 's cell phone and the other on the landline. But they do n't leave any messages or nothing for me to call them back but I did google there numbers. But they are Monarch Recovery. They use a robo type call to get to talk to somebody but then they hang up. I did n't get anything in the mail or nothing about why they are calling. It is usually morning noon and night they call. They use different numbers to use to call me and my wife. It has been going for at least a month or XXXX so I do n't know. Whenever I pick up the phone the phone hung up on the other line.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I used the Western Union website on XXXX/XXXX/15 to send {$2900.00} from my bank account to me while I am in XXXX. An email from Western Union on XXXX instructed me to send the money via WUPay, which I did. My bank account was debited on XXXX and my account statement shows the payment to WUPay. Since I had another email from Western Union on XX/XX/XXXX that they had not yet received the money, I called them on XXXX. The agent told me that she had to have someone investigate this and I would get a response by XX/XX/XXXX. Nothing. On XX/XX/XXXX I received an email from Western Union stating that they were cancelling the transfer at my request. I never made this request. As I was travelling when this email came in, I called them on XX/XX/XXXX and spoke to XXXX in Agent Support. Eventually she told me that this needed to be referred to an offline compliance department to investigate and they would get back to me in an hour or XXXX. It has now been almost XXXX hours since we spoke and I have received neither a telephone call ( I gave her my current number in XXXX ) nor an email. I have tried calling again but the lines are going into a hold pattern with no indication of how long my wait might be. I ca n't afford to do this on an international call. It 's now been two weeks since my bank delivered the money to Western Union. Where is it? Why ca n't Western Union confirm they do or do not have it. I need that before having my bank go chasing the funds from their end. I need a response. I should have received my funds at least ten days ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I continue to get inappropriate calls from Creditors Bureau Associates of Georgia after I have made numerous electronic payments to pay towards and/or settle the medical debt owed. The agency continues to call requesting sensitive information ( i.e. social security number, mom 's last name, etc. ) after I have requested them to send me information via mail. My payments have been returned after two attempts to pay. I have also called and received inappropriate attitude from the collections specialist after I repeatedly explained that I wanted to pay the debt owed based off my financial capability. The specialist offered to settle the payment and I accepted based on the conditions that the settlement is sent to me in writing ( via mail and email ). To date, XXXX XXXX, 2016 I have not received a letter or email. So, to continue showing that I want to pay the debt, I continued to make payments and the company continues to return the payment. I have sent written correspondence to the company stating that I have only afford to pay them a set amount of {$25.00} a month on a medical bill that is less than {$1000.00}. 
I am still receiving nonstop inappropriate calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 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: CA

Complaint narrative:
Service provider Bayview Loan Servicing LLC applied hazard insurance to my mortgage ( XXXX XXXX through XXXX XXXX ) account in excess of any authority in the loan agreement. I would like a full refund of money collected for hazard insurance and any overpayments to an ancillary escrow account. The Servicer also issued a Notice of Default based on erroneous accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Debt Management Partners LLC
State: WA

Complaint narrative:
I have been getting phone calls from an agency. The calls always come in from " unknown '' " anonymous '' or " blocked '' telephone numbers. The first call I got was from someone stating he was am " enforcement officer ''. He told me he had been " looking for me ''. He said since I had made his job difficult he was going to make my life difficult. He then provided me with a telephone number to call as well as a case number stating there was a legal case being filed against me. The phone number is : XXXX. Not 2 minutes after I hung up with him I got a voicemail message on my phone from a female leaving the same number so I called it back. 
They say they are " XXXX '' I called the number and spoke to a lady who told me fraud charges were being filed against me for a payday loan I defaulted on from 3 years ago. She said her agency had purchased the debt and I owed them {$2000.00} to stop them from taking me to court. I told her I did n't have the money. She then listed names of friends and relatives stating she was going to contact them as well as my employer and tell them just what kind of person I was. I asked why they called from unavailable numbers and were threatening me. She said they do n't make the calls that they hire outside agencies to handle that and they only take incoming calls and that they can do anything they want they have a 99 % success rate and hung up on me. Several hours later I received a call from my sister who resides on the other side of the country in XXXX. Her mother in law got a call from someone looking for ME. I have never even met my sister 's mother-in-law. She is elderly. Whatever they said really upset her and it was embarassing to me. I 'm not sure what to do. It just does n't seem right. On a side note, my address and phone number have not changed since I took out the loan years ago. I have lived at the same address for 7 years. They obviously know how to reach me, they are choosing to harass me to try to intimidate me or something. It 's kind of scary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
In XXXX 2015, I transferred money to my son via Western Union. Today my son told me that he received a debit card in the mail! I have a problem with this. Obviously, my son was in need of money at the time, and I believe Western Union is using the transfer of money as an opportunity to scam, defraud or otherwise take advantage of the disadvantaged by mailing debit cards to those recipients ( with name and account number imprinted on it ). 

I am hoping the Federal agencies will step in to require Western Union to discontinue mailing solicitations to my son ( who is considered a " XXXX person '' under the XXXX and other landmark legislation ) and others who are similarly situated in the form of debit cards to incur a debt that he/they can not possibly repay! 

Since then, I have also been inundated with emails from Western Union and others. If I recall, there was an option to unsubscribe to updates and further communications. Yet, I receive spam from Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My mother XXXX XXXX was a XXXX and has been a victim of identity theft, bank fraud. I was also a victim of identity theft. A Wachovia bank employee had access to my mother 's personal information and safe deposit box. My mother had Treasury Bills ( unrecovered ) and my birth certificate ( unrecovered ) in her safe deposit box.She fraudulently added herself to my mother 's accounts. She had siphoned off money from one account into an account going to her home. Over XXXX was stolen. In addition she opened a joint checking and savings account with my information obtained from my mother 's account without my knowledge or consent. Wachovia Bank terminated her from her position after an investigation and returned most of the money. I later found charges and a savings account fro a printout. I wrote the bank 's President in XXXX, North Carolina. My hopes of getting an apology and assistance with a prosecution were dashed in a letter dated XXXX XXXX, XXXX, '' We have investigated your concerns and found no evidence to show that fraud was committed on XXXX XXXX 's accounts ''. In XXXX XXXX, Detective XXXX XXXX XXXX of XXXX Crime Unit started an investigation after I called. Finally in XXXX XXXX the detective called she arrested the employee. Municipal District Attorney XXXX XXXX ensured me a new trial and a conviction but did not follow through. I hired an attorney and contacted Wells Fargo now the bank of record. I recieved a small settlement. The employee was not prosecuted and the bank did nothing to assist or call for an arrest and the investigation. All the losses totaled {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union is charging for a loan that I did not co- sign for ... they refuse to show the promisory note of the loan loan #. I contested the loan back in XXXX ( see attach letter ) They the credit reporting agency XXXX took it off. then they have put it back on I an not responsible for this loan. I filed an earlier clam, case # XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been trying for 5 years to get a modification thru wells fargo and have been unsuccessful. In XXXX a judge ordered that wells fargo had to either give me a re-mod or work out a payment arrangement for the arrears. Wells Fargo has refused to obey the order. I was also issued a stay on my property by the judge, but in XXXX the attorney for wells fargo attempted to sell my home a the sheriff sale. Since the property was not sold the deed went back to wells fargo. Luckily the sheriff caught this illegal act and took my home back from wells fargo and put the deed in my name. We filed a motion to enforce the judges order and since then they have answered the motion and also filed a motion to dissolve the stay. Not only did they not appeal the judges decision, but they refused to follow her ruling and then illegally attempted to sell my home. At this point I am waiting to go before the judge and do not know when that will happen. As of right now they are attempting to sell my home on XXXX XXXX, even tho i still legally have a stay on my property. The sheriff informed me that the attorney for wells fargo will be notified that the stay is still in place, but on the website it is still listed as for sale. I do not know what to do.

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 2015-08-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal Credit union received credit disputes from me. Processed them late, and provided even later merchant responses. Now threatening to reapply charges unless I respond. I have responded after late receipt of their letters to me. See attached message to them addressing XXXX claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I notified Dillard's/Wells Fargo Card Services that my payment for XXXX 2015 was late because of severe XXXX in the XXXX area. Dealing with the real life events in XXXX, I overlooked paying my bill. Immediately once things returned to normal I called and made the required payment and even offered to go on Auto-Pay. Dillard's/Wells Fargo card services said they would remove the late credit reporting, but have yet to do so XXXX weeks later. I do not think I should be penalized due to XXXX in my hometown and the fallout from that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
WF EFS received my certified letter XX/XX/2016 ( attached ) requesting the following information according to the FDCPA 807 [ 15 USC 1962e ] a contractual obligation with WF EFS bearing my signature AND mark my credit report disputed. They sent me a copy of a generic letter from XX/XX/2016 stating a bunch of if this than that scenarios and yet to provide a contract between myself and wellsfargo for the accounts listed in my credit report stating that I am obligated to pay, if they truly looked at my account they would see there are {$0.00} balances and that is not the issue at hand.

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 2015-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
This morning I called my credit union, Navy Federal Credit Union, in an immediate response to a letter I received which stated incorrect charges and due dates. When the agent responsible for my account, XXXX, told me that the letter was correct according to his records, I told him that I would look into the matter with my connection with the XXXX. Following my research I learned that I was correct, there was no lack of payment for the last two months, and, once again, my credit union was in error. I then called the credit union back to correct the problem and was told that I could not make changes to correct the problem via the phone. I then asked to have a copy of my statement with a payment history sent to me and was told that it could be faxed to me. I told the customer service department that I did not have a fax number handy and would have to accept a postal copy. I later called again to give a fax number and was transferred to the original agent, XXXX, who rudely told me that he would not give me a copy of my statement or payment history because of the finalized bankruptcy associated with the account, even though the loan was reaffirmed. I insisted that I was entitled to my statements and payment history for the last six months in order to correct the error in their records and he still declined to honor my request. XXXX also told me that he stopped the processing of the postal request that the customer service department was preparing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I called wells fargo about a transaction on XX/XX/2016 or XX/XX/2016 XXXX transaction stated from XXXX money was put back in my account of XXXX in which wells fargo claims they never did and now XXXX says they did also but the bank says no also have an id number for the XXXX XXXX they have all the info want my XXXX back now fighting this for 2 months or almost on my bank statement

Company response to consumer: Closed with explanation