vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-04 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: MD

Complaint narrative:
I fell behind in my Mortgage XXXX of XXXX, I was put on a Repayment plan with Bay View Loan Servicing, I ended up making multiple payments, My balance for XXXX ended up being {$4.00}, XXXX so I mistakenly made XXXX payments in the month of XXXX XXXX payment was for $ XXXX XXXX XXXX at this point my balance was {$4400.00} so I made Additional payments on XXXX XXXX {$2000.00} and XXXX XXXX {$890.00} I was told be Representatives at Bayview loan Servicing that I was fully paid through XX/XX/XXXX.I then receive a Statement for XXXX XXXX stating I owed for XXXX {$2.00}, XXXX What is so confusing I begin to receive calls from People saying they wanted more money than once I called Bayview a man by the name of XXXX said do n't worry trust his words I am paid through XXXX. On XXXX XXXX XXXX I called to inquiry about this additional payment for XXXX another Representative stated that I still owe for XXXX at this point I am Stressed completely out of my mind, I begin receiving letters from Bayview loab Servicing with no name on the letter trying to Threaten me and Exstrot more money out of me, I could n't believe what was happening, I also noticed that my XXXX statement did not have the additional XXXX payments that I had over paid Bayview leaving Bayview to owe me $ XXXX I am warning everyone who deals with these people to read carefully and Demand statements from Bayview and other Companies that Claim to be helping you make home Affordable act. They could be ripping you off!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI

Complaint narrative:
I told the company that the amount was to high so they changed the amount in half for only XXXX payments being on social security makes it harder to make payments when the payments are so high last year i gave this company my entire paycheck had nothing for self its like working for free the company responded like they did care as long as they got there payment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
On XXXX/XXXX/2025 I send money thru western union ( online ) to recipient in XXXX XXXX XXXX, XXXX. I received SMS & email confirmation that money went thru and available to recipient on XXXX XXXX. But to this moment as i write nobody knows where the money is in XXXX or here! The MTCN XXXX also confirmed money is available but recipient was told by XXXX. in XXXX that there is no money!! I am sick & tired of this! It is indication of incompetence & very poor service! 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMCOL Systems, Inc.
State: NC

Complaint narrative:
AMCOL System, Inc. violated Fair Debt Collection Practices Act [ 15 USC 1692f ] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. 

AMCOL System, Inc. violated the Fair Debt Collection Practices Act specifically section : 807. False or misleading representations [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) the false representation of - ( A ) the character, amount, or legal status of any debt. ( 8 ) False or misleading representations. Communicating or threatening to communicate to any person credit information which is known or which should be known to be false. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

AMCOL System, Inc. violated the North Carolina Collection Agency Act section 58 70 110 ( 4 ) Falsely representing the character, extent, or amount of a debt against a consumer. 
AMCOL System, Inc. violated the Fair Credit Reporting Act 1681s-2 ( b ), A person shall not furnish false information to consumer reporting agency. 

AMCOL System , Inc. reported to consumer reporting bureaus inaccurate information such as but not limited the alleged collection account date of delinquency ; therefore, resulting in inaccurate reporting periods, etc. 

AMCOL System , Inc. 's violations of the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and Fair Credit Reporting Act are documented as follows : Exhibit A : Written correspondence dated XX/XX/XXXX which I sent to AMCOL Systems , Inc. requesting validation, etc. ; sent via Certified U.S. Postal Mail. 

Exhibit B : Correspondence dated XX/XX/XXXX from AMCOL Systems , Inc. addressed to me in response to Exhibit A. 

Exhibit C : AMCOL Systems , Inc. credit reporting entry on my consumer credit report. Said credit reporting entry of AMCOL Systems , Inc. clearly stated a false Date of XXXX Delinquency : XXXX of an alleged debt, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WA

Complaint narrative:
I sent a Notice of Rescission to a claimed creditor, Bay View Loan Servicing, LLC on XXXX XXXX, 2015. This notice is also recorded. Rescission is effective on the date of mailing and it renders the mortgage contract which in my case was a note and deed of trust VOID by Operation of Law. 
The unanimous XXXX Court Ruling decided on XXXX XXXX, 2015 and written by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is the most recent ruling from the highest court on the matter of TILA Rescission. 
If Bay View wanted to oppose the above mentioned Rescission, they could have done so in the 20 days following the date the notice was sent. 
Because Bay View Loan Servicing, LLC has ignored the notice of Rescission and has not filed a lawsuit in the 20 days following the notice date, the Rescission in question can no longer be contested or opposed. According to TILA, Regulation Z, and the XXXX Court, the Rescission was effective the moment the notice was mailed. 
Bay View Loan Servicing, LLC has not responded directly to any communication including to the notice of Rescission sent to them on XXXX XXXX, 2015. 
XXXX Trustee who initiated foreclosure proceedings on my permanent residence with and for Bay XXXX Loan Servicing continues to file legal notices about a pending foreclosure as if mortgage documents still existed for the property in question. XXXX Trustee was notified of the notice of Rescission yet they deliberately ignore the law. 
By Operation of Law, no note or deed of trust exist for the above mentioned property. 
" ... .if there is no note and mortgage then anything that happens afterwards is void because you ca n't get a foreclosure on a mortgage that legally does not exist even if a copy of the mortgage is sitting in county records. And a sale would also be void. " Who will make Bay View Loan Servicing, LLC and all of the parties they seem to direct, XXXX Trustee and claimed partner/servicer XXXX XXXX XXXX Bank with addresses in New York and Texas accountable to obey the law? 
I would appreciate the CFPB looking into this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BYL Collection Services
State: DE

Complaint narrative:
I had XXXX accounts with the debt collecting agency called BYL collection services I paid the debts in full and the collection pay status was satisfied. I asked the agency that once the accounts are satisfied can they remove the debts off of my credit report due to the fact that these debts are causing hardship to my life I am not able to apply for a loan without high interest rates or if I apply to rent a apartment or open a credit card I receive negative feedback due to a debt that I paid. The agency state they can report the debt as paid and show a ) balance but they will not contact the XXXX credit bureaus to remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 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: NJ

Complaint narrative:
While performing a credit check through XXXX, a new loan just magically appeared on my credit score. I have no knowledge of who bayview loans are. I feel as if XXXX XXXX may have taken the original loan and sold it to this new back without sending any information about all the reports I have filed through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Patenaude & Felix A Professional Corporation
State: AZ

Complaint narrative:
I am currently paying off a XXXX XXXX through XXXX XXXX XXXX law firm ( debt collector ) and I have been since XXXX 2012. Patenaude & Felix, a.p.c are now trying to collect on the SAME debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
i filed Chapter XXXX the trustee was making payments on my behalf. I dismissed the BKXXXX and contacted the lender after the run around going from the BK department to customer service. they finally tell me to go to the branch that made loan. they show on my credit report charged off and full amount due This is not accurate they have tried to damage me more I know they have been paid {$150.00} through the trustee known they want full amount and using the credit bureau to get it from me and have not made any effort to show it is still in installment payments. they need to be informed they are practicing tatics to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The banks Wells fargo and XXXX have a charge off on my credit that I do n't owe on and they refuse to verify the debt

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 2016-12-23 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Representatives of plaintiff has not disclosed actual amounts owed which has not been on previous statements. It lists general number. It does not included homeowner 's insurance that was bought by plaintiff and is added to total debt. Defendant or owner has own insurance which plaintiff 's representatives did not take out. New totals should be recalculated. Also, bank refused to give loan modification and lost all information during such. Multiple copies have been sent and also lost by Wells Fargo.

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 2016-02-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We are XXXX and do not have a loan with Wells Fargo Dealer Services but they have repeatedly called us ( for years ) and as recently as today. This is very upsetting to us and we do not want to be harassed. These calls apparently pertain to our adult son who has not lived with us for decades and we have no information to provide - which we have explained to the many callers in the past together with asking that they do not call us. The phone call today was made to our home on XXXX ( In the past I have also received calls on my cell XXXX XXXX XXXX ) from somebody stating her name was " XXXX at Wells Fargo Dealer Services '' XXXX ( caller ID number ) with a message to call back XXXX for No. XXXX. The telephone call came in at XXXX. In the past we have received calls from persons representing that they are from Wells Fargo Dealer Services from other numbers including XXXX. These agents not only ignore our request not to telephone us but in 2014 an agent from the XXXX number provided me details on the subject account history over the phone that included the amount of arrears, collection efforts and assertions that my son was a criminal. I have subsequently learned this was illegal. We are tired of these calls and are filing this complaint to documents them as well as demand that we stop being harassed.

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 2016-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Windham Professionals, Inc.
State: MD

Complaint narrative:
I received an wage garnishment for debt to U.S. Government, I called Windham Professional at ( XXXX ) which is contracted to collect debt by US Department of Education. I requested to enter a payment plan at which time the rep asked me for contact information. This would include mailing address and a active phone, I told the rep that i did not have a active phone and please contact me via mail. The rep told me should could not offer me any assistance because i did not have a active phone number. I ask the rep to please provide me with written terms that stated a person had to have a active phone to receive help or even a payment plan. The rep could not provide me with requested information so she transferred me to a XXXX XXXX which he also collaborated her statement that i could not received any help or payment plan because I do not have an active phone. XXXX XXXX referred me to The Department of Education to received requested information as it pertain to getting help/payment plan qualification. I spoke with operator XXXX ( XXXX ) @ The Department of Education that stated that the information told me was not incorrect. Windham Professional practice discrimination and unfair business practices against me on XX/XX/2016 around XXXX. I am seeking legal counsel because I feel that my rights have been violated by this company and I want to exercise all my resources to expose their practices toward consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have been waiting for ACS XXXX ( " ACS '' ) to provide a certified payoff to my new lender for over 9 months. However, ACS is refusing to do so. Wells Fargo is the lender and may have knowledge and/or approved of the following conduct by ACS. 

ACS currently services XXXX of my student loans. In approximately XXXX 2016, I submitted an application for a federal consolidation loan with XXXX XXXX. This was approved and all of my student loans were paid off with the exception of the loans serviced by ACS. XXXX XXXX informed me that it had requested an up-to-date certified payoff amount from ACS but was told that ACS could not provide this information due to an accounting issue. 

At XXXX XXXX ' request, I called ACS to ask about how we could clear this issue up. I was informed that ACS needed to recalculate my principal, interest, and payments to ensure they were giving XXXX XXXX an accurate and certified payoff. I was informed that this process was completed by a separate ACS department and that they did not know how long it would take. I asked to speak with someone connected to that department and they refused. For over 9 months now, I have been waiting for ACS to complete this " adjustment '' calculation and provide the payoff to XXXX XXXX so that my federal consolidation can be completed. The only information I receive is from an ACS customer service manager on a semi-weekly basis. This manager simply informs me that, " this matter is still pending and I have no updates for you. '' In the meantime, interest is still accumulating on this account and ACS is still being paid to service it. Due to the types of loans, these accounts do not qualify for certain IBR plans which was the main reason for my consolidation into one federal loan. This has placed an extreme hardship on me and my family and I am considering bringing a formal action in state or federal court against ACS.

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 2015-08-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 I log into my online Banking and another fraud Transaction was unauthorized by Navy Federal Credit Union for {$20.00} from the XXXX I never been there and I did authorized anything to be withdrawal from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been trying to get a short sale for over a year from Wells Fargo NA. I submitted several short sale offers but they got rejected because the bank stated that I had a surplus but they never included my partial claim from HUD that totaled XXXX when reviewing my account. I also received letters that stated I did n't meet the terms of the Approval to Participate, but I never received any letters regarding this. I finally was able to speak to someone that could answer my question of why was n't my partial claim being included in my payoff statement. He admitted that the partial claim from HUD was not included in the payoff statements mailed out to me or when reviewed for a short sale. Due to this major oversight by the bank I am now in active foreclosure and have a declining credit score.

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 2016-10-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been trying to work with Wells Fargo in regards to a loan modification : But, before you can be reviewed you have to pass their " ReEntry team ''. This team decides whether or not you should ; d be reviewed for a loan modification. If they say " you are not worthy of a review '' they deny your request, and you do not have an option of an appeal process. They violate your " Home Owner XXXX '' by not reviewing your file. I just want to save my home.

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 2016-08-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was released from my teniored job last year and informed Navy Federal. I continued to make payments throughout this year as I could. I was then referred to a special collections department who allowed me to make small payments to show effort until my full time job started at the end of XXXX. My collections specialist XXXX XXXX was in an accident and a schedule check payment was unable to be stopped but was rectified by an ACH transfer later that week before the returned check. On XXXX XXXX our account was placed for repossession and picked up the same night. Tuesday we called into Navy Federal and they explained it was because of bounced payment checks after having our Collections Rep explain the accidental submittal we were directed to another department. That department is Fiance Management. An agent by the name of XXXX ( only XXXX she said in department ) took an application for deferment through XXXX XXXX 2016. We accepted the terms and awaited the Repossession division of Navy Fed to send a release so we can pick up our car at XXXX XXXX XXXX. Two days have passed and they refuse phone calls or to provide documentation of said agreement. The repossession department has told the XXXX XXXX not to even speak to my fianc that I had relinquished rights to speak on my account on every occasion and that they are refusing to release the car even with the deferrement showing a zero balance due and only the repossession fees to be paid at the XXXX XXXX. It is my belief they are intentionally holding my vehicle to either remand custody or to rack up fees as punishment as they have continually reprimanded me as if I was their child and dehumanizing me with their lack of action. I rely on this car and have been very corporative through the whole process even before the repossession. No one at Navy Federal says they have authority to protect my consumer rights I just have to wait it out. This is inexcusable and has put my family in a downward spiral.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation