vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I applied for a refinance thru my bank Wells Fargo on XX/XX/XXXX with rate lock of XX/XX/XXXX. I informed and provided my loan rep with a copy of separation agreement which showed child support I receive. He failed to inform me they would need 3 years proof of payment ( only been separated since XX/XX/XXXX and that 's when payments began ) At that time I gave a check for appraisal fee. I was told by loan rep XXXX that I would be notified prior to check being cashed which I never was. When I noticed check was cashed I called him several times to ask what was going on and finally received a call 1 week later stating he 'd been out of office and yes they would proceed with appraisal again was not informed of child support issue.. Issues I have with how I feel I was mislead : 1 ) check was cashed without any notification to me 2 ) loan rep changed without any notification to me 3 ) Most importantly I was not notified my child support was not being used as part of income until after appraisal came back less than needed. Had I known they were not using child support income from beginning I would have withdrawn my application prior to appraisal. Then I received a new GFE with increase in loan origination fee. I began calling new rep XXXX to question and she was not sure what happened and why. After several emails she stated she had a meeting to discuss my loan and would get back to me. I finally found out child support initially not used and loan had to be restructured which resulted in increase in origination fee. Since this all went pass the lock rate date this all caused for an extension of rate lock which in turn increased my loan origination fee. I feel I should have been told prior to appraisal their requirements for child support and fact that it was not being used as part of income. I reached out to Wells Fargo escalation team with my issues and emails I received and sent and they feel they did nothing wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Tried to make a money transfer to XXXX via Western Union today sunday. They were able to take the money from my account very fast, but then denied the transfer without giving any explanation. Now they say are not responsible if I DONT GET MY MONEY TODAY BECAUSE IT DEPENDS ON MY BANK. tODAY IS SUNDAY..THE BANK IS CLOSED AND THIS MONEY IS FOR AN EMERGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Patenaude & Felix A Professional Corporation
State: AZ

Complaint narrative:
Law Firm Patenaude & Felix keep harassing me with calls to me, my mom, and now my work. This is for a debt that is not mine or one that I do not recognize. Regardless, they are in violation of credit collection laws and my privacy to be contacting family and my work!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
I had sent {$1000.00} to repay my education loan in XXXX through Western Union. I made this transfer on XXXX of XXXX, 2016 ; However, they have not delivered my money yet as of XXXX XXXX, 2016. I have made tons of phone calls to customer care and I have never gotten any satisfactory answer 's other than wasting hours together during my day job. So, I made an attempt to track the transaction through my bank, On XXXX XXXX Western Union has sent the money through their partner Yes Bank to my bank. However, due to some technology transformations my bank did not process the transaction on the same day. SoXXXX Bank reverted the transaction on XXXX of XXXX and deposited to Western Union account which is register with XXXX Bank. When I being a customer can track this transaction so easily, Why is Western Union is taking so much time to do this? I feel something is not right in this case. I should have never trusted Western Union! I have complete email details from the XXXX Bank who has deposited my money to Western Union Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Other financial service — Money order
Issue: Unexpected/Other fees — 
Company: WESTERN UNION COMPANY, THE
State: MS

Complaint narrative:
When I deposited a Western Union money order into my checking account, it was not honored by Western Union. As a result I incurred {$10.00} in fees from my bank. Further, Western Union stopped payment on the money order. When I called Western Union to correct this, the person I spoke to told me to send them a copy of the money order and the money order receipt. The person I spoke to specifically told me I would not be charged any fees since the money order was valid and the problem was not my fault. 

Even though I followed their requirements, They sent me a check for {$480.00}, and not the value of the original money order - {$500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-23 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: MA

Complaint narrative:
In a process marked by years of unhelpful answers, incorrect, evasive and/or no information provided in response to over forty QWR 's, Requests for Information and Notices of Error to Bayview Loan Services ( BLS ), along with three CFPB complaints, borrower manipulation ( referred to as " customer service '' by bank servicers ) continues in light of the CFPB protections put in place. 

The latest involves a statement in an email ( attached ) received last week from BLS by my housing counselor in response to my application for a short sale on a home my servicer is ( wrongly ) moving to foreclose XX/XX/XXXX. In addition to the taxing make-work that my servicers have regularly required stating they ca n't find, read, etc. whatever might have been submitted, BLS has often played fast and loose with the truth. In the referenced email however, the first of three reasons stated by BLS as a reason for not being able to move forward with the short sale at this time, goes further. It contains a statement that is simply factually untrue. The statement reads as follows : " Pending access by the borrower and receipt of a full interior appraisal // THIS APPOINTMENT WAS CANCELLED BY XXXX XXXX PLEASE PROVIDE NEW CONTACT '' 1. No appointment was ever been made and therefore could not have been cancelled. 
2. The false claim ( 1 ) By calling out the name of my authorized housing counselor when it was not, is both reckless and damaging to XXXX XXXX, potentially compromising both his reputation and position, and ; ( 2 ) now in the file record will be extremely damaging to me in the course of any foreclosure action should it occur, as well as that of any potential litigation I might purse should a wrong foreclosure go forward. 

I 've been fighting a wrongful default since XX/XX/XXXX - first with XXXX XXXX XXXX then subsequently with BLS - throughout which time I 've had to endure unending abuses, humiliations, evasions and as in this case, untruths. All remain in a file that I have consistently been denied the opportunity to review and one that will inevitably be used as a " factual '' record to support not only the latter 's continued bad behavior, but the real potential it will be wrongly rewarded with my home. See Case numbers : XXXX and XXXX. There is one additional complaint I submitted XX/XX/XXXX for which I 'll have to research the case number. 

Inclusive in this complaint is my request the false statement be removed completely from the account record with confirmation it 's been done in writing. Additionally, the last part of the statement referenced makes no sense and need immediate clarification. It reads " PLEASE PROVIDE NEW CONTACT. '' Specifically, what " New Contact '' is BLS requesting, contact for what and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
Western Union-XXXX location placed a hold on a {$300.00} money transfer. Transfer carried a tracking number of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
My name is XXXX XXXX and I am a XXXX XXXX employee. 
I use the Western Union Online Transfer Service twice a month and I am getting charged for a service which I am not receiving for the last 4 months. 
Last year I was paying only {$7.00} for the money transfer ( up to {$2.00} ) to be delivered to XXXX in a maximum of 3 days. 
Now I am getting charged {$45.00} for an " express '' service which supposed to deliver the money in minutes, however my wife have to wait one or 2 days to get the money in XXXX because the agencies where she collect the money they do n't have cash. She complained there but the agencies blamed Western Union since they are providing a service for this Company. 
I sent already complaints to WU to their email address XXXXXXXXXXXX on the XXXX XXXX and XXXX XXXX, with no answer at all. I just received an email on XXXX XXXX from XXXXXXXXXXXX saying that they got my complaint, but so far nothing happened. 
We feel we are being cheated by Western Union since they are charging us {$45.00} for the same service I used to pay only {$7.00}. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
ON XX/XX/XXXX I sent money to a friend via PayPal. In the description note, I stated it was for a XXXX trip. PayPal held the transaction for a " governmental review '' and stated it could take up to 72 hours to resolve. However, it is now a WEEK later and my transaction is still pending and no word from PayPal. I have contacted them numerous times to either return the money ( it has already been sent from my bank account to PayPal ), cancel the transaction or put the money through so my friend can send it back. PayPal claims they ca n't do any of it. However, I have researched and noted that other transactions under the same review have come to a close after PayPal contacted the person to explain. No one at PayPal has contacted me and no one can give me a direct answer. This is ridiculous because I have now had to pay an additional {$380.00} to my friend and I am STILL waiting for this to resolve from PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Just about 9 years ago i underwent " training '' in the field of the XXXX. I was psyched about pursuing a career in XXXX, and til '' this day i feel as though i was scammed out of my money. 
After " graduating '' i found myself w/ no job placement assistance and no guidance from staff / counselors on how to improve my resume / reel for a better chance at succeeding. 
The equipment was outdated, the instructors ( XXXX XXXX ) to be precise, was also quite antiquated in his teachings, and was n't quite moving w/ the speed of technology. Most of his experience was with older models, so it was hard to go out on the field and not know all the glits & gadgets that were used in " today 's time/ '' Much of the XXXX equipment we used, was n't comparable to that of the equipment real XXXX were using, so it was a challenge to navigate through an " on the spot '' test when i was out interviewing. 
Even while attending school, my classmates and i heard complaints about the school, but we were so eager to get " our foot in the door '' that we pushed through. 
i '' ve kept in contact with almost everyone in my graduating class, and out of all of us, only XXXX person is actively in the field, employed & successful. 
Luckily for the rest of us, we were able to find other promising jobs in other fields, but i know i am not alone when i say i feel scammed by this school. 
I struggled with job stability, and with no help form XXXX XXXX, i found myself unable to pay my loan back. This has affected my credit drastically, and i am still working hard to build it. I must admit that i 've made little attempts at getting my student loan account in good standing, primarily because i am just now finding stability in my life, and so many other things were put in front of this. 
I owe more now, than i did when i first got the loan out, because my interest rate is through the roof. 
I would n't recommend this school to anyone, and honestly, i am one to give everything an honest chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Trademark Management Solutions, LLC.
State: MI

Complaint narrative:
I received a call from Trademark Management saying that they have legal documents for me. I do n't believe Trademark Management is a legal company. Their phone number is XXXX. They told me I had to settle or go to court, ASAP. When I called Trademark, I got XXXX XXXX. She told me she was from Pennsylvania but did not know the address for the company. This place leaves threatening voicemails saying I 've been served.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
Have been under economic hardship since my divorce in XXXX. I was laid off from work as well in XXXX of XXXX. I am a single mom of XXXX children living at home with me. I have since found odd end work from home jobs and currently have stable and reliable full time employment. I have experienced filings for loan modifications with XXXX XXXX XXXX ( my prior lender ) with the same issues that I now have with the new lender, Bayview Loan Servicing. With XXXX, after ALL of the trial payments were made, I was sent to a notary about XXXX times to have the same new loan modification documents signed, each time saying it was not notarized correctly. Now with Bayview Loan Servicing, my first XXXX trial payments went through and Bayview kicked back my last payment, therefore making me late on the XXXX payment when they had accepted it on XXXX/XXXX/XXXX and then kicked it back XXXX/XXXX/XXXX ( a XXXX later ). So they did receive my payment but want it to appear as though I missed a trial payment so that they could not give me the loan modification. I can see now that mortgage companies would do something like that since XXXX so far have done that to me. I even made a payment after I filed taxes in XX/XX/XXXX this year in an attempt to pay what I could on the mortgage and the Loan Officer XXXX XXXX said that payment could not count towards the trial payment and would only go towards the balance on the loan. I just do n't want to lose my home. I would just like to get the Loan Modification I have been trying to apply for several times in the past XXXX or so years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
On XXXX XXXX, 2013 I sent {$100.00} through Western Union located inside XXXX to XXXX XXXX XXXX in XXXX. XXXX XXXX never received the money. Upon filing a claim with Western Union I was informed by their customer service that the money was sent to XXXX by mistake and some one by the name of XXXX XXXX received the money. I was told that Western Union will launch a investigation and will refund the money back to me. In XXXX I received a letter from Western Union I was told that transfer was paid correctly. I was shocked because it clearly says on Western Union receipt that money was suppose to be sent to XXXX XXXX in XXXX. I have made numerous calls over the span of 2 years and every time I was told that mistake was made on the part of Western Union but there is no resolution. Everytime I was told that someone will get back to me. No one has called me back. Attached please see the following items. 1 ) Receipt from XXXX for {$110.00}, copy of hand written form that I completed with the name of receiver and country, receipt from western union with the name of receiver and country, letter from Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
XXXX XXXX had {$70000.00} of student loans and XXXX XXXX co-signed for them as well. XXXX XXXX nor her father XXXX XXXX could afford the payments and XXXX XXXX XXXX XXXX XXXX sued us thru PATENAUDE & FELIX Law Firm and this took about 1 1/2 years of court hearings which XXXX XXXX handled all of the court motions and documents and hearings as we could not afford an attorney. 
We settled on XXXX XXXX, XXXX ( court doc. 's enclosed ). The letter explains the intentional HARASSMENT and BAD FAITH, Malice, Etymology, etc. of XXXX XXXX, XXXX by XXXX XXXX, and the Law firms letters, this was not the first phone call but when the additional letters and phone calls came XXXX XXXX became very nerves and emotionally upset as she explained to the Law office that they were wrong and she was en-fact making her payments on time for over 18 months, etc., but they started with letters and additional phone calls of harassment. I am know I am not the only one with this type of story about this Law Firm. 
PLEAS STOP this company from doing this over and over again

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Machol & Johannes, LLC
State: WA

Complaint narrative:
I was first contacted by Machols & Johannes in XXXX. I disputed the debt and asked for clarification of the debt which I never received. I was not notified to appear in court and a judgement was done against me for wage garnishment of more than {$1000.00} dollars per month. The garnishment was taken out 3 times in XXXX ( I was told I owe XXXX dollars from an old debt in Kansas from XXXX ) then the garnishment stopped. In XXXX XXXX the garnishment started again and a judgement was again done against me for wage garnishment. Again I did not get notified to go to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I received a phone call from my HR department on XXXX/XXXX/XXXX at XXXX XXXX stating that Cash Central had called them and was looking for me and that they should n't be calling me at work for personal reasons and need to call my cell phone or home number only. They still call my work number and references on my account that I do n't even speak to or deal with. The refernces they have on file are from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
In XX/XX/XXXX, I sent money from XXXX to XXXX via Western Union, while I could n't receive the money. They offered me quite a lot of solutions, which were totally useless actually. They also asked me to provide my personal information, such as my passport, my driver 's license and the address. They promised me that I would receive a refund check with Fedex tracking number, which never happened. The last email I received from them was on XX/XX/XXXX, which asked me to wait with patience and I have been waiting for a whole semester. Today after I finished my final exam and tracked this transfer on their website. I was shocked by the word " We could not find any records that match the information you provided. Please try again. '' It is my first year that I came to XXXX from XXXX. I have not idea if it is kind of fraud. 
BTW just in case there is confusion, this transfer was sent from the online bank of my account in XXXX to myself in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Consumer Adjustment Company Incorporated
State: AR

Complaint narrative:
CAC sent a fax to my employer for verification of my employment after only attempting to contact me 1 time. There are no judgments on file against me in the court system as of XXXX XXXX, 2016 and the fax was sent XXXX XXXX, 2016.

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 2015-09-23 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:
Good Afternoon, we had been working with a mortgage client who had a mortgage with XXXX XXXX XXXX and then transfer to Bayview after 4 years working loan modification was approved and finalize. The issue is Bayview has been placing all payments on Suspense and reflecting the client past due XXXX they have not posted any of the consumers payments properly towards the account and reflecting on credit report. They are under a violation since they are withholding payments on the account.

Company response to consumer: Closed with explanation