vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-27 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMCOL Systems, Inc.
State: AR

Complaint narrative:
I 've been looking into my credit reports daily. Mainly because I 'm tired of being contacted by different companies regarding the same medical bills when I ha2d insurance coverage.They have noverlapping accounts on my credit reports. For example XXXX XXXX ( orginal creditor ) sold my account to XXXX XXXX, so why are they both contacting me. And AMCOL SYSTEMS INC is continuing to attempt collections on dates of service that matches PROFESSIONAL XXXX along with identical monetary claims. I 've been told by AMCOL SYSTEMS INC If not paid asap that I would go to jail. They are claiming ammounts of upwards of {$8400.00} for an XXXX visit. They 're are collection 's for services rendered when I was not within XXXX miles of the area. I 've had my state tax returns garnished, then there it is listed on an open account. It 's outrageous that the burden of the proof be on me when companies like these are ruining my credit by using illegal tactics such as fraud, then violating my rights as an American citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
On XXXX/XXXX/2015, I sent money through Moneygram to my brother in XXXX XXXX XXXX for my mother and family for the XXXX holidays. As of today, Moneygram has not released the money, ruining my family 's XXXX holidays, etc., saying that our names are XXXX names and that my brother in XXXX, which is a very peaceful country, may have XXXX. They say the transaction is under review but they have not been able to provide me with details of the review and evidence that his name is tied to some organized extremism when I ask. I have asked for a refund several times to send the money directly to my sister or mother but they refused. Reps I have spoken with have given me numbers inconsistently for my brother to call from XXXX, but those numbers do n't work and Moneygram agencies in XXXX are unable to call for him, citing link issues. I have asked Moneygram to call my brother directly to obtain whatever information they need but has refused to do so thus far. I need my money with interest and compensation for all the calls to and from XXXX. Thank you for your assistance and cooperation. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had disputed a late payment in 2012 with capital one account ending in XXXX. I had done this before but never took the time to look into the statements or billing information until now. I uploaded all of the information I had and got notification that I was indeed correct and the 1 late payment would be removed. However it got removed off of XXXX ad then put back on. When I spoke with the rep. He said that I would have to dispute it again because the next billing cycle was updated and the credit card company is still showing the one late payment. I thought that was the purpose of disputing to have the incorrect information removed not put back on every time the credit card reports your payments. I am a single mom who is working full time and going to school. I have put a lot of time and effort into this dispute to now have to do this all over again. Please help me.Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2016 account reported by XXXX and the original creditor was XXXX XXXX XXXX XXXX XXXX with a balance in the amount of {$500.00} was removed from my credit files and reinserted on XXXX XXXX, 2016 under PHNX Financial services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: AL

Complaint narrative:
On, XXXX XXXX, 2015, I sent {$100.00} to XXXX XXXX who was in XXXX atthe time. He did not have the proper identification required to collect thefunds that I sent him. 
I was told by Western Union to cancel the transaction. The transactionwas successfully cancelled by Western Union on XXXX XXXX, 2015. However, Ihave yet to receive a credit on my XXXX debit card issued by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BYL Collection Services
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX Account # XXXX no contract no signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
Every year I am forced to spend several months getting my mortgage processing co. to acknowledge my insurance. There seems to be a scam that involves them buying insurance and billing me through escrow. The mortgage company must make a lot of money placing these policies. I live in a XXXX. The Association has flood insurance and the agent and policy has not changed. The information is on line. The mortgage company is named on the policy. The agent contacts the mortgage company and I continue to get letters saying I have no insurance. When you call them, there is always a mistake. The information was n't processed, somebody did n't enter the information properly, etc. It seems that they are trying to wear you down and if you do n't have the time or energy to go through XXXX calls waiting on the phone for an hour or so, then they win. My condo agent, the insurance agent and others all are aware of this scam. Other people must be going through this as well. This year, they sent a letter saying I did n't have homeowners insurance even though they pay the policy directly with escrow money. They are polite during the phone calls. They promise to correct the mistake, but it takes three months every year to get them to cancel the policy or enter the correct information. You know that they are counting on a certain number of people who do n't follow up and get scammed.

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 2016-09-27 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: TCF NATIONAL BANK
State: NV

Complaint narrative:
In XXXX of 2016, I fell 2 weeks Behind on my auto payment Of just over $ XXXX.Gateway One Begin calling me Relentlessly everyday Sometimes starting as early as XXXX.I informed the rep not to call before XXXX which they agreed to.In XXXX They started calling again At XXXX And XXXX.. I spoke with a manager who apologized And said it would not happen again.Now in XXXX The XXXX. calls Have started all over again For the third consecutive month.They have called me and no less than 10 times today, Sometimes Three calls within one minute.I answered the phone and ask to speak with a manager immediately But was told To call back if I wanted to speak with a manager and they hung up on me.My phone rings from XXXXTo XXXX.7 days a week From Gateway One XXXX.This starts after 7 days And continues until the payment is made. I have not had a 30-day late payment as of yet.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Assignment of Mortgage From FHA to Conventional, MIP insurance was being paid the entire time, based on loan statements, the loan was in default, however the MIP insurance was being paid. My loan Original loan amount was for {$120000.00} and has gone up to {$210000.00}. The XXXX information is wrong, the loan was sold to a private investor and serviced by different loan servicers : XXXX XXXX XXXX and then to RoundPoint Mortgage. I received a modification package and I disagree with the amounts owed.

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 2016-12-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: CA

Complaint narrative:
A previous Mortgage company claims a payment became missing during my Chapter 13 status ( XX/XX/XXXX to XX/XX/XXXX ) and they ca n't or will not provide specific documents indicating exactly what month that the payment became missing. The Mortgage servicing company has since transferred my loan to another Mortgage company showing a missing payment and also with claimed unapplied funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
Roundpoint mortgage keeps incorrectly force placing flood insurance onto my mortgage. I have already submitted evidence of flood insurance to them several times via email, fax and have contacted them. I have evidence of all of those submissions that date all the way back to XX/XX/2016. My mortgage amount is normally {$940.00} but this month they increased my auto debit without my consent and without any communication to {$1200.00}. I contacted their customer service and it turns out to be an error on their part for never accurately updating their flood records. So unfortunately I am out {$260.00} until they can get this resolved which they told me they wouldnt be able to give me an update on it until XX/XX/2016. This is extremely deceptive practice and its similar to what i experienced with XXXX XXXX XXXX. They have no right to force place that insurance when i adequately and timely submitted evidence and they also violated my reg E for adjusting my ACH without my consent and notification.

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 2017-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Prosper Marketplace, Inc.
State: AL

Complaint narrative:
I set up payment arrangements to get on a program. They agreed to place all my late payments on the back of the loan. Over the course of one month I made 3 payments totalling {$850.00}. Last week, I began receiving back to back collection calls. I spoke with a rep who said I was n't on a program. I told them to play the tape. They did. They told me that even though the rep I spoke with assured me that I was on the program, that I was not in fact on the program and would have to make another payment to be " considered '' for the program with no guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: KEYCORP
State: OH

Complaint narrative:
Hello, I have many private school loans with Key bank. They are claiming I defaulted on XXXX large loans with them. They are demanding that I pay them each month, but they will not send me the loan agreement for XXXX the loans that they claimed I defaulted on. I thought that I was paying these loans through XXXX. I am so confused on how to sort this out. I do n't think I should have XXXX loans in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: TX

Complaint narrative:
I am a first time home buyer. I bought my house XX/XX/XXXX and I just received a shocking bill of paying back into an escrow account. My payment was lowered to {$2100.00} XX/XX/XXXX I called and was told twice that I was paying everything I needed. I have my payment auto drafted and now they want me to pay almost {$13000.00} or {$3900.00} a month when my payment is & XXXX. Seneca mortgage is a scam and is unfair. I called and asked about this issue not once but twice and was told everything was fine. As a first time home buyer I would like everyone to know I feel cheated and lied to. I would be careful with Seneca mortgaging. They do n't tell you the truth. I was not told what I need to be told that my payment was incorrectly being collected. I asked I should have been told. Everyone is not able to payout all at once or have their payment raised. I was with XXXX with my loan and had no issues.

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 2015-07-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Forster & Garbus LLP
State: NJ

Complaint narrative:
In XXXX 2014, I filed a complaint against XXXX when the account was referred to XXXX XXXX on XXXX XXXX, 2014. The account number is # XXXX. In their response XXXX XXXX said, " We have notified our client of your concerns and have ceased all collection efforts. " In the last paragraph they stated : '' XXXX has currently discontinued all collection efforts of this account and we have notified our client of your concerns and your desired resolution regarding this account. '' Shortly, after that I received an undated letter in which a copy of two pages from my private student loan application was enclosed. I 've provided this information as attachments below. I 've never received another thing from XXXX XXXX or XXXX XXXX until recently. 

I 'm not sure when the account was referred to Forster & Garbus LLP but as of last week, I have been aware that there is a summons against my mother and me in regards to the XXXX Student Loan. I am named in the suit along with my mother but the digital summons was mailed to my mother 's address. I was never sent anything to my home address in New Jersey yet, I am pretty sure XXXX has my home address on file especially based on the information I provided in my last complaint. 

Of course, since I filed this complaint I 'm pretty sure Forster & Garbus LLP will try to twist everything around to make everything look as it is our fault. I guess because they are lawyers, they think they can coerce anyone and bend the laws in their favor because the average person does not really understand the laws. Believe, I 've been down this road several times so I know the deal! You are not going to tell me it 's okay, to send a summons at another address, out of my jurisdiction, so they can try and place a judgement against me! I do n't think so and I do want to be compensated for this!

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 2015-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
this company has continued to collect on a debt that is not mine the account was created as a result of my identity being stolen i have had to get a police report id theft affidavit notarized and i gave them copies of my id and ss card all of this i emailed to XXXXXXXXXXXX and faxed to them as well @ XXXX about this fraudulent account that needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 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: ERC
State: GA

Complaint narrative:
Enhanced Recovery has reported XXXX negative trade lines with failing to properly validating the debt. On XXXX XXXX I received a collection notice from Enhanced Recovery payment of {$390.00} for a debt owed to XXXX XXXX. I sent them a request for validation. It looks like they received it XXXX XXXX, 2015. Enhanced Recovery failed to properly validated this debt and reported it as a collection in XXXX of 2015. Furthermore on Enhanced Recovery sent me a settlement offer XXXX XXXX, 2015 for a XXXX account again i sent them a request for validation ( a letter dated XXXX XXXX, 2015. I never received anything from them. In XXXX 2015 a collection was placed on my credit report. I firmly believe that Enhanced Recovery actions are illegal. I want these negative entries removed from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP
State: NY

Complaint narrative:
Back in XXXX, XXXX, I had a judgement filed against me where the bank put a levy on some funds in my account ( {$920.00} ). A couple of days ago, XXXX, a XXXX XXXX served Key bank with papers to have those funds transferred over to them. Instead of Key bank transferring the held funds, they took out money directly from my bank account ( {$960.00} ). Key bank has confirmed the first held funds are still sitting there waiting to be transferred and I have confirmed with the creditor that they sent the paperwork to the bank to have the held funds transferred over and nothing more. On top of that, Key bank with drew funds from protected funds ( I collect unemployment ) and also took it from an account that had less than the NY State protected amount per the XXXX law of {$2700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Russell W Richardson, Attorney at Law
State: TN

Complaint narrative:
Received phone call from XXXX XXXX XXXX XXXX stating that they were DFC legal services and that my wife owes them money from10years ago. We contracted the actual company that she owed money to and they said that the debts so old that it did n't to be paid and that the collection had already been sold and that was n't too XXXX legal. They continue to call back even after a years worth of time and have yet too send any requested info to our address.

Company response to consumer: Closed
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: AL

Complaint narrative:
First I 've never been late on my payment. 
Never had a claim but they went up on my payment. 
Servicing of my loan is the cause are my payment increase. 
* ( PAYMENT WHEN UP )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP
State: ME

Complaint narrative:
I believe I was charged excessive overdraft fees by Key Bank. I had a death in the family later last year and was really struggling. I slipped up a few times and did n't complain. The way they are applying the charges to my account created overages when their did n't need to be any. I am not asking for a full on refund but I have asked them for help. They have charged me a total of over {$500.00} last year and over {$600.00} already on charges that were most often put into the negative by how they chose to apply them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: KEYCORP
State: MA

Complaint narrative:
I completed a loan application with XXXX ( now Key Bank ), was given what I thought was a pre-approval letter but in reality was a pre-qualification letter to purchase a home. I paid for the home inspection, appraisal and up until mortgage committment day, everything was going well. On the day of mortgage committment I was notified that I did not qualify for the loan product they pre-qualified me for and was denied the mortgage based on me making too much money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: CA

Complaint narrative:
SENECA MORTGAGE refuses to contact me and wo n't pick up there phone there is NO ONE to talk to. They are charging me XXXX $ a month for EARTHQUAKE insurance. I HAVE EARTHQUAKE INSURANCE!!!!!! I HAVE SENT PROOF XXXX THEY ARE STEALING FROM ME.

Company response to consumer: Closed with explanation