vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
On XX/XX/2016 at approximately XXXX est I received a phone call from First Merit collections dept on a private number on my cell phone. I was unable to catch the woman 's name, but she proceeded to tell me that I have only been making partial payments for the past several months for our auto loan. When I informed her that information was untrue and offered to give her receipt numbers for the payments, then asked her where these extra charges are coming from she told me to hold for a moment while she listened to recorded conversations that I had had with XXXX other First Merit representatives who told me that if I paid {$340.00} by XX/XX/2016 that I would be current on the account that took place on XX/XX/2016 and also on either XX/XX/2016 or XX/XX/2016. After she allegedly listened to the recordings, she told me that the information that both representatives told me was wrong and that I owe them more money. When I asked what I owe them more money for she was not able to answer me aside from to tell me again that I was making partial payments. I explained again that I was only operating on the information that XXXX first merit representatives had given me, and that I plan to speak with the first merit office to correct the information. She told me they would not help me and only send me back to her and that one of the representatives had tried to call me back at the time when we initially spoke but I had no missed calls at that time and no messages left by anyone so I do n't believe that she was telling the truth. Then the collections representative would n't let me get off of the phone to go back to work until I had told her several times that I needed to go back to work and would have to deal with this at a later time. The caller also threatened to ding the account holder 's credit every day until I pay the amount they claim that I owe them. I have receipts to prove my payment dates and times for every payment since we got the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Mid-Atlantic Consumer Services
State: OH

Complaint narrative:
I received XXXX dishonest calls this week from Mid Atlantic Consumer Services. The first said that they were calling about a XXXX income tax that form that I " refused to acknowledge. They clearly made it sound like they were acting on behalf of the government. 

In the second call they said they " had a form with my social security number on it '' and they were trying to send to me but it was refused. 

When I called their XXXX number it was clear that this was a debt collection service but never mentioned anything of the sort in the XXXX voice mail messages they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BYL Collection Services
State: NH

Complaint narrative:
In XXXX, my mother, XXXX XXXX of XXXX XXXX XXXX ( XXXX . XXXX ), XXXX, XXXX, decided she wanted a medical alert system because of failing health. Since she was hard of hearing, she asked me ( her daughter ) to telephone XXXX XXXX in order to purchase the service. 
I subsequently called XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( tel. ( XXXX ) XXXX to arrange service on behalf of my mother. During my conversation with their representative, I explained that my mother could not speak with them because of her XXXX, but she would be responsible for payment of the service. I then gave the representative my mother 's debit car number which was subsequently charged for 1 year of service in its entirety. 
My mother passed in XX/XX/XXXX. She had no estate so I notified all creditors, including XXXX XXXX, of her passing. 
Approximately 6 weeks ago, I received a notice from BYL Collection Services, LLC of XXXX. XXXX XXXX, XXXX, XXXX XXXX, ( Tel. ( XXXX ), that they were attempting to collect a debt I owed XXXX XXXX in the amount of {$390.00}. 
My husband then sent a letter to BYL asking for more information and they simply sent a letter demanding payment with no explanation of why I owed this debt. 
I feel very strongly that this is an attempt by Medical Alert to collect a phantom debt because I assisted my mother in signing up for the service and they had my name and address which I provided at the time of the transaction.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: DE

Complaint narrative:
Cash Central continues to contact me and my references even thought payment arrangements have been made. I 've contacted Cash Central and have spoken to a XXXX XXXX times who apologizes and promises it will not happen again. They continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
I continue to receive debt notifications from Machol and Johannes, despite my numerous attempts to verify the debt. In response to their initial collection letter, I replied with a request to verify was sent on XXXX XXXX, XXXX and XXXX XXXX, XXXX ( I have documentation to support my claim ). I did NOT receive a response with the verification that this was my debt and have not heard from them until recently. On XXXX XXXX, XXXX, Machol and Johannes sent a collection notice to an old family address in XXXX. It was to a residence I 've never lived at, as I have not lived in XXXX since XXXX. It was through various sources I found out about the collection notice, which was sent to a XXXX party. The only logical reason for them to contact an old family address is that the statue of limitations in XXXX is XXXX years in my resident state of XXXX. Another concern is if they take this alleged debt to court, there is no way I will receive the notice, as I do n't live in XXXX and have no family living at the address they are using -- and I will not have the opportunity to present my evidence disputing the claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 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: IL

Complaint narrative:
My client is trying to do a short sale with XXXX bank. XXXX bank is stating that there is a second lien that is not paid off with XXXX XXXX XXXX Bayview XXXX She filed for Bankruptcy and this account was included in the bankruptcy. She was making monthly payments to the trustee and once the process was done her attorney told her that the account has a zero balance and that she should be receiving the deed to her house. Her attorney has no idea why there is a XXXX balance and why Bayview keeps sending paperwork for her to go to court when she does not owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BYL Collection Services
State: CO

Complaint narrative:
BYL Collection Services LLC is trying to collect on a debt that they can not provide proper validation for. No original source document meaning a signed contract between me or even between the original creditor to show this debt is mine has been supplied. They are breaking the law, I want them to cease and desist with all collection practices and all communication. If the are representing an original creditor then the original creditor needs to supply me with the original contract that has my signature on it or an official call recording of any specific conversation that I had to become liable for this debt. They are violating section 609 of the FCRA and I do not want them contacting me anymore.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 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: MA

Complaint narrative:
I paid off my home loan in full XXXX XXXX, 2015 to Bayview Loan Servicing in the amount of {$360000.00}. I have not received a lien release or the return of my promissory note. I have repeatedly called and requested both documents. They refuse to even tell me when I will receive them. At this point I am helpless to clear the title on my property. There must be a period of time within which they are required to provide these documents. Please assist me in obtaining them to clear title to my property

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
My bank account was frozen by Patenaude & Felix, two days later I receive paperwork from this company letting me know that they received a judgement back in 2010. They went back to court last month and were able to levy my accounts to collect the money. My problem is I never heard anything about this lawsuit until now. I moved 7 years ago, this company filed the lawsuit in my old city after I moved. I know they knew where I lived because they were calling me at my new address and sending out letters. I was unemployed at the time and could n't pay and I told them so. I do not think its right that the first time I hear about this is when they freeze my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WESTERN UNION COMPANY, THE
State: NH

Complaint narrative:
I did a money transfer through Western Union. They charged a fee, which I knew up front and I am OK with that, well not really ( it was 7 % ), but at least I knew up front. A month later another charge shows up on my credit card. I called my card company to report fraudulent charge. The said it was n't fraud. It was their fee. They consider any transaction with any other financial institution to be a cash advance. I thought it was just another charge, as if I was out having dinner. They then informed me that was in my terms and conditions. If I knew I was going to have to pay over {$300.00} ( that 's 12 % + ) to get {$2500.00} to my son, I would either use my ATM card, have taken the chance and sent the cash over-night via XXXX for {$40.00}, or for {$300.00} I could have flown round-trip, spent some time with my son and handed the money to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
hello i am in the process of registering a complaint again, about a matter that has been either overlooked or has not been addressed to the right people. to get the correct personal advice or action taken about this complaint.i know now that it is not fair to me and is a violation of my legal rights, or a trick just too get money out of a XXXX person that had too stop working because of a accidental household injury.. it is interfering with my lifestyle and i want the complaint registered until i get some information or feedback about it.,,, thank you XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
A few weeks ago I had a an overdraft fee from first Virginia, I called them to ask why they 'd taken so much from my account. I do recall setting up an ACH auth in XX/XX/2010 but this time they took too much, and last week took another payment which caused ANOTHER NSF. The problem is I 'd filed a complaint with a manager about how the collections specialist and team supervisor was rude. A few days after that, I set up a payment arrangement with another rep for XX/XX/XXXX yet they took the money several days sooner even though I was only 3 days late. I think it was a form of retaliation and shady collection practices. I called my local branch and was advised the collections dept should not have taken a payment when I had a payment arrangement set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
My wife, XXXX XXXX on XXXX XXXX 2016 at XXXX XXXX sent a Western Union transfer XXXX XXXX from your Western Union agent near us at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX. 

I have the customer receipt and the Western Union USA response by XXXX XXXX XXXX XXXX 2016 where you state that this money was paid to the named recipient XXXX XXXX on XXXX XXXX 2016 in XXXX. The only problem is that our friend did not receive this money but was told that the money had already been received in XXXX and then she went to WU in XXXX. She was again told that this money was distributed and that she needed to contact WU USA which we have done via XXXX XXXX XXXX agency taking 3 weeks for a response. 

We asked WU the following, " Please advise what WU - USA / WU-XXXX are going to do about this? You have lots of small details on this document about our responsibility and a lot of information on protecting yourself from fraud on your westernunion.com website but this money transfer was given to someone else and not our friend and recipient XXXX - We asked them the following questions : 1. Where was the money given? What WU branch/bank etc? 
2. What ID was used to show that this person was indeed XXXX XXXX? ( Even if the person who picked up this bank transfer had all of the info, they would have needed to have an appropriate ID identifying as the above person. 
3. What is WU going to do? ( There is a young man who is unable to pay school fees and thus not able to go to high school until this is sorted out. He has XXXX terms left to graduate. 
4. Are there security cameras in your WU agencies in XXXX like the XXXX in XXXX. It seems like it would be very easy to track down date and time to see who was the fraudulent recipient of these funds? " We were told by WU that the case was close because the money had been received. If we wanted to reopen the case, this could only be done by the Police XXXX or the Police XXXX. We have visited the police in XXXX 3 times and our friend has visited 3 times to the police to XXXX. We have been asked numerous times by WU to do their job for them and we have gotten very little assistance from them like we would quit asking where is our money that was supposed to go to our friend 's son education?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
The following " Items '' was disputed with the Credit Reporting Agency ( s ) it came back has being verified. These Items are identified as # XXXX and # XXXX which were reported on XX/XX/2016 and said to have been opened on XX/XX/2016, they are Items not Accounts, from my belief. These Items have no Consumer Protection Law right to be reported on my private consumer credit report. Nor have your agency been given any Direct Prior Consent to " Communicate, 1692a ( 2 ) '' any information regarding me to anyone by any means. You have violated me and the Consumer Protection Laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et al. 

If the Items mentioned above are actual Accounts, opened by your agency, then they were open without my Direct Prior Consent and with my private nonpublic information and were extended my consumer credit. These accounts are to be closed and the Principal and any interest in these accounts be returned to me the Initial Creditor, creator, owner and beneficiary of all funds these accounts contain. 

I am a Consumer as defined in Section 1692a ( 3 ) of the FDCPA. 

You are a Debt Collector as defined in section 1692a ( 6 ) of the FDCPA. 

Without limiting the many violations you have committed, including Aggravated Identity Theft, unlawful possession and misuse of my Social Security Number, misrepresenting my character, taking unlawful actions, putting my ability to be a consumer into involuntary servitude, etc. the following sections are more than reasonable enough to point out your violations and liabilities : 1. You violated 1692c of the FDCPA. 
2. You violated 1692e of the FDCPA. 
3. Constitutional Violations, specifically 14th and 13th Amendments and 1692d of the FDCPA. 
4. You violated 1692j of the FDCPA, etc.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 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: CA

Complaint narrative:
I have been trying to get a loan modification since my layoff in 2009, I have been denieded XXXX times by XXXX different loan companies the latest to be Bayview Loan Servicing everytime I apply my loan is sold. I am just looking for a little help in keeping my home. I will upload my hardship letter so you can read the whole story.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I am writing in reference to Loan Number XXXX being serviced by Bayview Loan Servicing LLC. The objective of this correspondence is to File a formal complaint against Bayview Loan Servicing in reference to the payoff of my home. 
On XXXX XXXX, XXXX I signed a loan modification agreement with Bayview Loan Servicing , LLC that also had a principal reduction component as part of the agreement. The principal reduction component was for a total amount of {$410000.00}, reducing the principal of the loan over a 36 month period ( modification agreement attached ). 
In XXXX of XXXX, I received an IRS Form XXXX as a cancellation of debt for the total amount of the principal reduction of {$410000.00} ( Form XXXX attached ). I have also, received XXXX separate payoff since XXXX of XXXX that state the amount of the payoff of the loan with the total amount of the principal reduction included. Additionally, I have a taped conversation with an individual from Bayview stating that the payoff amount included the total amount of principal reduction. I have attached copies of all the payoff statements sent to me over the last few months. 
Lastly, I currently have the home for sale. Please assist me in resolving this matter in an expeditious manner and avoid litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wellsfargo has some very serious consumer privacy legal issues going on & I for one am a victim of their compliance violation abuse. XXXX times I was asked to change my username & password of which I 've had for 14yrs. After doing so I lost my mobile banking app access that 's been reported & case 5 days know that Tech Suppprt says new update will fix the bugs that are havocing consumer accounts on XXXX XXXX. I 'm afraid they are extorting my privacy by letting perpetrators cash my checks by way identity fraud in local branches. I 've banked with them for over 22yrs & have reported consumer fraud against them 3 times while executives in claims refuse to cooperate with authoritys to prosecute the known suspects. I ask they they restore my mobile banking access & fix thier issues or I will have to join another bank. I 've asked the executive office to change the installment loan they opened to my credit line because it was not want I wanted in the first place. XXXX XXXX used some divriminative remarks about Wellsfargo being a conservative bank but Im a conservative too & all my accounts are in good standing & my political party has nothing to do with my customer representation with this banking institution & should be fairly treated at all times. 
Case # XXXX Case # XXXX Case # XXXX XXXX XXXX of XXXX NC was the last Wellsfargo representive I spoke to about check fraud but after speaking XXXX XXXX in executive lines & loans he allowed a sales agent to open an installment loan I did not ask for & refused to get underwriting to correct the account request to my open credit line. This is forcing me to pay for an account I did n't want & I explained for 3wks that is was a credit line increase I asked for & should honored to receive due to poor customer service.

Company response to consumer: Closed with explanation