vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-18 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: AK

Complaint narrative:
I have had many frustrating experiences with Western Union over the past year ( have never used them until this year ) and this latest experience is what led to filing this complaint. I initiated an international transaction with Western Union on XXXX XXXX, 2015 in which the confirmation email states the money would be available in the receiver 's country on XXXX XXXX, 2015. The receiver went this morning to collect the funds ( XXXX XXXX, 2015 ) at a Western Union office with ID and MTCN number in hand only to be told the money was not available for pick up. I immediately contacted Western Union to find out why the money was not available only to be told that the money would not be available until XXXX XXXX, 2015 Eastern Standard Time United States and also told it would not be available until a specific time Eastern Standard Time United States. No where in the transaction details does it state anything about money availability being based on Eastern Standard Time United States and no where in the transactions details does it state a time the money would be available. It is terribly frustrating to share with the receiver when the money will be available only for them to go to a Western Union office ( which in and of itself is not an easy task ) and be told the money is not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
I wanted to rent a house for my vacation for new years. The person who put his apartment 's advertisement for rent in XXXX asked me to transfer rental amount by western union. At the beginning I had doubt about it. But I saw that XXXX approved that person ( as it mentioned by government issued photo ID ) and also people left good feedback about that host, i trusted that person by these facts and sent money to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
I did a re-fi with First Mutual they then sold it to XXXX which went out of business.I was then contacted by XXXX XXXX XXXX Who stated that My FHA mortgage was assigned to them and that my {$900.00} a month mortgage would be {$2300.00}. I immediately contacted them and told them that since I 'm a Veteran that my mortgage could not be assigned to them without a face to face and authorized by the VA. They then filed foreclosure paperwork through the court. Out of fear and lack of knowledge I paid them until I was financially strapped. My Wife had to have a XXXX which caused me to stop paying XXXX completely I saved up enough money to hire a law firm XXXX XXXX XXXX XXXX. The firm placed me in a XXXX XXXX lawsuit against XXXX and they backed off and stated that my mortgage had been securitized and that Bayview Loans Servicing LLC would be my new servicer. Again out of fear of loosing my home I paid Bayview a total of {$9600.00} {$1800.00} a month for 6 months because they threatened foreclosure via the same debt collector lawfirm XXXX XXXX XXXX that XXXX had used. After paying the 6 month trial period for a modification which the results from the XXXX Bayview sent paperwork to file for a modification that they said I had already been approved for. With lawyer fees and false modification payments I 'm out about {$20000.00} and Bayview is threatening to sue for foreclosure again. Like I stated earlier I 'm a Veteran with a sickly Wife and just want to pay fair market value for my home Bayview states that I owe them {$320000.00} and my home was appraised at {$150000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 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: MD

Complaint narrative:
I would like to bring to the attention the deceptive bait and switch practices of Bayview Loan Servicing a third party servicer to my mortgage loan with XXXX. I fell on financial difficulties and broke not XXXX but XXXX repayment plans not knowing that my repayment could extend for up to six months. In my initial repayment plan I was offered that option but in my second I was not and could not afford the over almost XXXX payment with Student Loans, Childcare for XXXX children as a single mom coming out of a messy divorce. 

That on XX/XX/2017 I received a call from XXXX XXXX who direct dial is XXXX and can be reached via email at XXXXXXXXXXXX regarding my delinquent account. During that phone call I expressed to XXXX XXXX that I would like to enter into a repayment plan. Telephonically we agreed to a XXXX XXXX where my default arrearages would be spread out over the period of XXXX months with my initial downpayment due on XX/XX/2017 in the amount of {$3500.00} and my subsequent due every XXXX day of the month for the next six months for the rest of the arrears. Fast forward contacted me on XX/XX/2017 to state that I was approved for a loan modification where my loan would be essentially be restarted and will be over the next 40 years. Because I was in the midst of a emergency family matter I could not address the issue but later contacted XXXX XXXX and alerted him this is not what we agreed to. I would like the Maryland State Attorney, HUD, CFPB and other regulating agencies to investigate my loan and other consumers that may have fallen plight to something like this. While I understand that it may appear beneficial we all know that a restart of my loan for 40 years does not benefit me but the mortgage company. More importantly XXXX XXXX 's repayment schedule and plan that he claimed is on its way well let 's just say I never received it. XXXX XXXX contacted me today XX/XX/2017 stating that my call was on a recorded line. I in turn stated that Maryland XXXX requires that if I am recording our conversation that he was on a recorded line as well. XXXX XXXX stated that it went against Bayview business practices for consumers to record him. I let him know that I am sorry he feels that way but having been deceived by him I can not speak to a company that wants to record me but they not want to be recorded does not even make any plausible sense for a consumer to fall plight to something. Because Bayview will not willingly provide the transcript of the Repayment Plan I am asking for CFPB to intercede and get the schedule and transcript of calls in XX/XX/2017 to prove this material fact. I also ask that XXXX XXXX is held accountable for this as well by Bayview.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: ID

Complaint narrative:
We were victims of a fraudulent/scam. We received a phone call from what we thought was a family member. They advised us they needed money because he was being held at a XXXX, XXXX airport. We sent the money, but it should have been a clue to us when, it was sent to another person 's name which we did not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GAMACHE & MYERS, PC
State: MO

Complaint narrative:
Received correspondence from Gamache and Myers on XXXX/XXXX/15 stating they are attempting to collect a debt for XXXX XXXX XXXX. Responded via certified letter to G & M requesting validation of debt be sent to my residence. Received response on XXXX/XXXX/15. Did not receive proper validation of debt, however. Responded via certified letter, again, to send me proper validation of the debt. Received notice today that G & M has filed suit on this debt without providing proper validation of the debt to me. Therefore I will be forced to hire an attorney, at my expense to defend this unsubstantiated lawsuit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Phoenix Financial Services LLC
State: AR

Complaint narrative:
I have disputed this account with the Credit Bureaus as well as Phoenix Financial. I disputed this account with Phoenix Financial on 2 occasions and on each occasion, they were unable to provide me a summary of all account activities, payments made, copies of charge slips, invoices, copies of documents sent to me regarding my account and any papers that bear my original signature that reflect that I agreed to pay what they say I owe. See attached letter I sent them as recent as XX/XX/XXXX of this year responding again to their letters. How is it that they sent me a letter dated XX/XX/XXXX and XX/XX/XXXX, and both were the second notice? I have never heard of this company nor have I ever did business with them. I have never signed any contracts nor had any obligation to them. This item is not 100 % accurate ( Collection accounts have no terms, so why are they reporting a term of 1 month if I never signed any contract or agreement with them, nor is it verifiable ; therefore, this items should be deleted from my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 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: MD

Complaint narrative:
I am executor of my father 's estate. My father had an existing mortgage loan through XXXX that was subsequently transferred to Bayview Loan Servicing 8 months after his death. The loan with XXXX was current at the time it was transferred to Bayview Loan Servicing. Bayview Loan Servicing received the mortgage and attached a {$200.00} late payment to the account which is unexplained. They refuse to remove those charges which I currently dispute. On XXXX XXXX, 2015, I made an online internet payment for the month of XXXX. A week later the available funds were never drafted from the designated account and Bayview loan attached a {$35.00} NSF fee to the mortgage account on top of the {$200.00} late fee payment that they insist that the estate pay. The NSF fee is because they were supposedly unable to locate the bank account ( not insufficient funds ). The funds were indeed available at the time. Bayview Loan Servicing said that they can not help or remove any of these fees. We are only 60 days into this relationship with this company and it is a headache. The negative reviews for Bayview is 85 % or higher. This loan servicer should be investigated immediately because their business practices and unexplained fees appear to be unethical. I am asking CFPB to step in and mediate and penalize where necessary on behalf of my father 's estate and other consumers who have been affected by their practices. I am thoroughly convinced that this company is violating consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a co-executor of an Estate that maintains bank accounts at People 's United Bank. I had to make tax payments on XXXX XXXX. I am providing a letter dated XXXX/XXXX/15 sent from the account officer at Peoples which succinctly summarizes the problem that occurred. There were more than sufficient funds in the Estate money market to cover the tax payments that needed to be made. The IRS is claiming a penalty of {$4100.00} due to the dishonored payment. The Estate accountant sent a letter to the IRS explaining the situation and including a copy of the letter XXXX XXXX, People 's United customer service manager. In response, the IRS sent form XXXX 'Bank Payment Problem Identification XXXX which I forwarded to People 's for completion. They refuse to provide any assistance in this matter as it is their contention that it is not their problem, despite the letter from their officer XXXX XXXX XXXX XXXX acknowledging that it is. In light of the letter from XXXX XXXX dated XXXX XXXX, 2015, the position that Peoples has chosen to adopt is incomprehensible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14 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: IL

Complaint narrative:
I have been try to get modification done by bayview loan company I been in touch with lady by name of XXXX XXXX but after talking to her a few weeks ago I have heard anything else about my paper work been filed or sent up to review board I been trying to reach her but no response I also call on monitor talk to a supervisor but they hang up the phone on me I need help try to get some answers from them. Can you please help me thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Patient Accounting Service Center
State: WA

Complaint narrative:
I paid a medical bill that was in collections back in XXXX, it is still showing not paid on my credit report and the company is unwilling to send me information to proceed with a auto loan. I have contacted XXXX and they are submitting a dispute, but I need this done ASAP. Please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Phoenix Financial Services LLC
State: UT

Complaint narrative:
I received a call at XXXX XXXX XXXX time from Phoenix Financial. Though they are in XXXX, they confirmed my address as in XXXX, so they were aware they were calling before XXXX. I missed their phone call, and called it back where a gentleman stated his name and the XXXX XXXX, Phoenix Financial. He then demanded to know my son 's date of birth. I was extremely taken aback because my son and I have both been victims of abuse and stalking, and ironically, my son 's name is XXXX. When I diverted the question of my son 's birth date, I immediately was asked very sarcastically " Oh, you do n't know your son 's birth date? '' I said I was not required to give it to him, and I did n't feel comfortable divulging that information. I quickly reminded him that I returned the phone call, so I did n't feel I was being evasive. He again answered with a rude and sarcastic tone saying " Oh, you returned my phone call? Well maybe I should send you some cookies. '' I was so shocked I hung up and called immediately back for a supervisor. She said she would take care of it, but I still wanted to make a note of it. Our protective order and stalking injunction is available if you need to see it or my telephone call records.

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 2015-10-21 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I sent money using Western Union to my stepson in XXXX. ( My tracking number ( XXXX ) is : XXXX Transaction Date : XXXX XXXX, 2015 XXXX ET ) The money was a direct transfer from my bank account to my stepsons bank at XXXX. 
After calling Western Union on XXXX the lied an told me that my bank will not release the funds for 5 days but in fact the money was Debited on XXXX and posted on XXXX/XXXXMy stepson is not able to get the money even after calling western union as instructed when I did the transfer. They told him that I needed to call western union before he could get the money. When I called thats when the lied about my bank holding the money for 5 days. This is clearly a kiting scheme by Western union to hold all money transfer funds so they can make more money using customers xash

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
I received a loan from this company Easy Money a few months ago. I ran into some financial difficulties and was not able to pay the loan back. I put the loan under debt plan with a company called XXXX. I mailed copies of my paperworK. That I signed. To easy money they Continue. To call me .I received. A csll today from. XXXX they lady told me why she was calling me end I explained to that i had put them in my debt plan and all my other creditors had stopped calling me. I asked for her email or fax so I could have. The paperwork sent to them she said they do n't receve information. By email or fax. I asked how are they suppose to get the information. To her if she will nod give me the information. To give to them. She stated you do n't. Want. Listen to what I am saying so you have a good day

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 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: MO

Complaint narrative:
How do I get Bayview to leave me alone? 
With XXXX, I heard from them once a year with an escrow statement. Then they sold my mortgage & I 'm inundated with mailings & phone calls. 
From all the stress, I got confused & missed a payment. Efforts to make it up resulted in even more confusion & contradictions so I sought help from XXXX. 

Through the intercession of their housing counselor, arrangements were made & scheduled with my credit union. There 's XXXX left & then the XXXX payment will reportedly be about {$750.00}. 

The calls continue as well as constant mailings. They include registered letters to apply for help for which I know I do n't qualify. Without a car, it means needless trips to the post office. 

Is there any recourse or will this harassment be part of my future?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
A negative report was placed in my credit file in the amount of {$1000.00} without even sending out a letter or phone call to notify me. I got my annual credit report to find that Credit Bureau Associates # XXXX in XXXX, Ga placed a negative notation on my credit. This was not my debt. The Credit bureau looked my information up posted it and did not even notify me by letter or phone before negative report was placed in my credit file. If they had sent out a letter beforehand i could have told them that I have never needed services that required XXXX services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
Despite being a fully verified customer by Western Union, XXXX and having made XXXX transfers to the same person through WU, I made and paid a transfer of funds to my girlfriend in the XXXX on XX/XX/XXXX 
WU accepted the transfer and sent me a confirmation of this. 
Several hours later my girlfriend emotionally distraught manages to send a pro bono email from an internet cafe informing me that she was refused the money by the WU money collection point by telling her the transfer had been rejected and returned to the sender on the grounds of her name. The clerk insinuated and made references that my girlfriend was possibly " a XXXX '' or " a money launderer '' which left my girlfriend not only penniless but deeply hurt as it 's as ludicrous as suggesting that XXXX XXXX was " a XXXX '' or " a money launderer ''. 

-Western Union NEVER even contacted me to inform me that the " approved '' transfer had suddenly been rejected. 
XXXX I phoned WU to verify that my transfer had been sent back the XXXX WU operated did confirm this but REFUSED to provide any info as to " why ''?? 
I was told that 'WU is n't legally required to notify a customer of anything if they suddenly change their mind about a service ' and that my money would be returned within XXXX business days. 
-I phoned WU back on the XXXX of XXXX XXXX ask why I had n't recieved my money refund. The WU operated told me that the refund was returned to me on the XXXX of XXXX 2016. I told the operator this was untrue and a lie as NO MONEY had been returned to me. The operator informed me " they would investigate the matter and eventually get back to me ''. 
-The following day I sent an email to Western Union customer service centre asking them to please return my money. 
-They replied saying they were " sorry '' for any inconvenience and to 'make this up to me ' they would return MY money eventually. [ XXXX XXXX XXXX - Customer service representative-Western Union ] -I replied saying that it was the worst and poorest attempt I 'd ever experienced in XXXX years of business experience of a company trying to solve a customer complaint. 
-Western Union XXXX in XXXX sentences telling me in fancy words 'Take it or leave it ' [ Ieva XXXX XXXX - Customer service representative-Western Union ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Checked my Checking account and noticed I had a credit for {$250.00} on the XX/XX/2017 and and a debit for {$290.00} on XX/XX/2017 from Cash Central LLC. I have never authorized any loan or was ever notified of authorization from either my bank or the lender. I contacted my bank and alerted them of the fraudulent activity as well as the XXXX major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was profiled as a XXXX male in XXXX Wells Fargo branches and yelled at in a XXXX branch over the phone and then was told by corporate security they were closing my account. This guy yelled at me. I have reported this to wells Fargo. And asked to get the video tapes of my harassment. They will not help and refuse to acknowledge any wrong doing on the part of all employees involved. They have denied me access to any wells far go bank and said they will call the police on me if I ever go into a wells fargo bank again. This is XXXX and an act of XXXX threats towards an individual consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation