vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Lamont, Hanley & Associates, Inc.
State: MN

Complaint narrative:
On XXXX XXXX, I paid Lamont, Hanley and Associates {$86.00} to pay an old collection debt in full. I have payment receipt. They agreed to remove the record from my credit report and did not do so. I filed a complaint XX/XX/XXXX and spoke with a rep who stated they would remove the record in 10 days. I pulled my credit report today and the record still appears as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
Cash Central has been tapping my cell phone and calling it with a reference number being provided after I made arrangements with their Collection department who gave me the extension on my next payday to pay on a new loan after I paid off the old one less than a month ago. I have not been do even thirty days late but they have been calling from a XXXX XXXX company and all week every single day harassing me after I spoke to several Cash Central Managers all last week and the end of last week I spoke to customer service who noted the small debt I owed which is around XXXX due to other fees. I have been scammed at my Bank and Cash Central documented that I am not a returning customer and this debt has been arranged for me to pay on during my next payday I am paid monthly and ca n't afford to pay for everything and this payday loan is the XXXX one this year I have been getting paid off so they need to stop harassing me I am broke from paying the other XXXX Cash Centrals loans and I am filing this Complaint to get this Company and the Law to have Cash Central reported to stop calling my home and cell phone as soon as they break and do n't have any other customers to bug by phone as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 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: GA

Complaint narrative:
Dear Sir and/or Madam, Please take a very serious note of the financial stress and issues I am experiencing from XXXX of XXXX to the present, as a result of overcharged taxes by Bayview Loan Servicing, of which I have completely documented with substantiating legal proof to that effect. It is extremely important for legal record purposes, that Consumer Financial Protection Bureau is well informed that all efforts on my part have been exhausted due to Bayview Loan Servicing unprofessional excuses and inability from its staff to problem-solve this matter. As a result this major problem and sub-issues are continuing with bulling treats from XXXX XXXX XXXX regarding an upcoming foreclose to my mortgage. 

The following is a summary about the history of the overcharges and financial crises that XXXX XXXX XXXX has inflicted with discrimination on my finances and ability to meet monthly obligations with mortgage payments and living expenses : On XXXX XXXX I received a called from Bayview Loan Servicing informing me that I had a shortage on my mortgage which would be increase from XXXX XXXX because of tax and insurance. I asked to send a statement that was sent and it shows charges for Tax-XX/XX/XXXX and Tax- XXXX XXXX XXXX for the same amount of {$1200.00} My Tax for XXXX was already paid by XXXX XXXX in my mortgage on XXXX/XXXX/XXXX. I called Bayview Loan and talk to several representative and supervisor that recognize the problem and promise to make correction. Each time I called they tell me to wait 60 days, then 30 days, then a Supervisor told me that she will call me back in 15 days knowing that in 15 days my account would be transfer to XXXX XXXX XXXX XXXX. I have continue to pay my mortgage for {$1000.00}. XXXX XXXX has been taking over my account since XXXX and know about the problem and said that they are looking into it since XXXX XXXX they told me to wait 60 days and still charging me late fees and my escrow account as increase, causing me difficulty in paying my mortgage. I have been calling to solve the problem and a representative said that do n't call back she will call me I have been waiting for over a month and I have n't heard from her but I am receiving calls from the collection department treating me of going into foreclosure. I feel that they are taking advantage and stressing me out for a they XXXX up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Moore Law Group
State: CA

Complaint narrative:
I think some one use my identity and I am being charge for a debt that is not mine and is n't even in my credit report. I never received any mail from this creditor ( XXXX ) this creditor put a lien on my house for this debt 5 years ago and I was never notify or aware until XX/XX/XXXX2017

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 2015-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: TRUSTMARK CORPORATION
State: TX

Complaint narrative:
In XXXX 2012 I contacted trustmark bank to provide them with my mothers death certificate and my contact information as the payments would be made until I could get an attorney to probate the estate. In order to proceed the attorney would like up to 6 months to probate the estate as well as give time for the property to sale and close. 

This option is requested because the value of the home has been appraised at $ XXXX give me time to work with the attorney and the realtor in order to pay off and sale the property to another owner. Where this would allow me and my brother to obtain some legal compensation for the only asset left behind by my mother. 

Hold off on foreclosure proceedings and allow me to sale this home. 

So that me and my brother can be financially compensated for our pain and suffering during this difficult time with the death of our mother XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
A year ago when I learned about the new property tax rate for my property, I called and asked Roundpoint Mortgage Servicing Corp to immediately review my escrow account and make an adjustment accordingly. Apparently that never happened. Now, I am learning my escrow is projected to have a shortfall of more than a whopping {$800.00}. This is an outrageous amount, and it reflects a pattern of negligence at this company. Not only did they fail to perform the review LAST YEAR, they also previously lost the paperwork when they acquired servicing rights to my mortgage and claimed that neither I, not my building, were insured. They also previously failed to properly inform the city where I live and my insurer about the fact they had acquired the mortgage servicing rights. This is now the second time I have complained about the company and its overall lack of due diligence and care. It failed to perform my request and I immediately demand that the company review the escrow about EVERY SPRING - once we know the new tax rate for the City of XXXX. Ironically, they are telling me this XX/XX/XXXX, just a few months before a brand NEW tax rate will be kicking in for 2017. Given the timing of this annual review process, it means that they will inevitably fail every year to properly adjust my escrow payments to keep pace with the taxes in my city. This needs to be done at the time the new tax rate is approved by the City Council - which is precisely what I asked for last year. I truly believe this company needs to be thorough examined for compliance by the CFPB. I have a strong suspicion, based on my interactions with them to date, that there is a very strong chance they are not complying with federal law. I also want consumers to be aware of the problems with this company ( which also include major challenges getting anyone on the phone when you call the customer service line ).

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 2017-03-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I received a letter on behalf of TCF national bank from an attorneys office XXXX XXXX regarding Loan Number XXXX for property address XXXX XXXX XXXX XXXX IL. XXXX. They are stating that if I do not pay the alleged amount of XXXX. this includes their attorney fees that they will begin foreclosure proceedings on my home.I am disputing TCF Banks claim that I owe them XXXX for a credit line I never was aware of or used. I never authorized this credit line, I believe the representative at TCF bank fraudulently took this credit line out in my name. The first time I became aware of this fraud was when I went to do a reversal mortgage and the attorney I saw for the reverse mortgage brought it to my attention. In between my health issues, I have gone to TCF on countless occasions over the past couple of years asking them to provide me with an explanation of where this money came from as I never took this money out, I never spent this money. TCF can not provide me with any documentation of where this credit line was in fact used who used it or how it was spent. I have complained to TCF many times and reported this fraud to the branch managers at several locations and each time they could provide me with no proof. They have also sent me to other branch locations per their direction to try and find out a solution or documentation about this matter. I have followed TCFS instructions to go to each branch they asked me to and documented who I spoke to all they did was give me the run around. They can not provide me with a signature on the back of the check they say they gave to me which they did not. I am asking that you help me they committed fraud against me and took advantage of my health conditions at the time and now I may lose my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 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: ProCollect, Inc.
State: MI

Complaint narrative:
Procollect.Inc contacted me two years ago to collect the debt that I did not owe. After receiving the evidence of the debt I found that the debt is owed to other person and I let Procollect to know that, but they kept trying to collect it from me. Finally it was disputed in XXXX 2016 by the credit bureau, XXXX, after I provided evidences to them. 

I got a letter from Procollect again about the same debt they tried to collect from me until last year, which I did not owe. 

I would like to remove this debt from my credit report and hope this will not happen again.

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 2016-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Roundpoint took the XXXX 2016 mortgage payment from my account even though it transferred the loan to another servicer in XXXX. When I realized this had happened, I called to ask. They have been saying for 3 weeks that the payment is on its way to the new servicer, but the new servicer had not received the payment as of XXXX XXXX. I requested some sort of control/wire/transaction number to proof that they had sent out the payment and were not just sitting on it, but they have refused to provide any proof. Their only response is to keep waiting ( even though it 's been 3 weeks and they think it 's believable that mail takes this long within the US ). Given this company 's terrible reputation, I 'm very concerned that I might lose my money or not see it again in months. Please help me.

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 2016-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I have refinanced my mortgage and had a closing on XXXX/XXXX/XXXX. My old mortgage was serviced by roundpoint mortgage servicing corp.I had a escrow account with a approximant balance of {$8000.00}. The mortgage was funded on XXXX/XXXX/XXXX .The Property taxes were due in XXXX so the new mortgage company made me pay the property taxes at closing in the amount of {$5900.00}. I contacted Roundpoint and asked them when they would be sending me my escrow money and they said they would be sending me a check for {$2000.00} that was remaining in my account in a few weeks. That was on XXXX/XXXX/XXXX. I asked them about the other {$5900.00} and they said that they paid the taxes with that money. I told them that I already paid the taxes at closing and have called the XXXX county tax office to verify and was told that the only money that they received was from my closing. I have made several attempts to resolve this but I keep getting lied to by roundpoint. They told my on XXXX/XXXX/XXXX that a check was mailed to me on XXXX/XXXX/XXXX for {$2000.00}. I called again today XXXX/XXXX/XXXX and now they say that it was only processed on XXXX and it was mailed on XXXX/XXXX/XXXX. They also said that they do n't know were the rest of my money is and they are investigating it and should have an answer for me by XXXX/XXXX/XXXX. That is {$5900.00}, I told them that if I took that long to make my mortgage payment I would be in foreclosure. I still have not received any money from roundpoint.

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 2016-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: WA

Complaint narrative:
RE : CFPB # XXXX XXXX XXXX provided verification that they sent the correct tax amounts to Seneca Mortgage Servicing LLC on XXXX XXXX, 2014. 

Faced with this evidence, Seneca is now contradicting the statement they made to the XXXX that the error was caused by the " prior servicer 's tax vendor '' and have now stated to XXXX XXXX that the error was actually caused by Seneca 's own vendor, XXXX. 

I am currently unable to locate and identify XXXX and XXXX is not in the CFPB database.

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 2016-09-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX, KY has billed me just over XXXX dollars ( the amount changes based on whom you speak to ) for an ultra sound they conducted on me at my Doctors request on XXXX XXXX, 2015. At the time of service I paid my required co-pay. The Insurance company paid them approx. XXXX dollars less than the hospital wanted. It seems the hospital is trying to bill me the difference and has sent it to a collection agency called GLA collection ( XXXX XXXX XXXX XXXX, KY XXXX ). I have made payment arrangements with the collection company, but after investigating this I have learned that they are billing me for the difference. No one at the hospital told me that my insurance would not cover all the procedure. They took my copay and they took the insurance companies money for payment. Payment was given to them, and they do not have the right to collect more money, after agreeing to take the money given by insurance and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: KEYCORP
State: NM

Complaint narrative:
My hours were reduced at work last year, so I requested a graduated loan repayment option. My job was recently terminated, so I could not afford the graduated payment amounts. The loan holder insists they can not provide me with any other options to reduce my monthly payments, as private loans do n't qualify for the IBR program ( as do federal loans ) ; and they ca n't purchase student loans, so they ca n't refinance or consolidate the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
Roundpoint mortgage have taken over embrace home loans now they both have been reporting to all three credit bureau, like i have XXXX different mortgages and they both have me late 3 times witch that is not correct reporting. I have try to fix this with all three of the credit bureau and both mortgage company, but they both is not trying to fix this problem.

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 2016-09-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I purchased my Toyota Prius XX/XX/XXXX at the dealership called XXXX XXXX. 
The dealer told me that I will be the 2nd owner of the vehicle and showed me its title search results as well. He said they partnered with Wells Fargo Bank and they provide the car loan through them. They told me that Wells Fargo owns XXXX XXXX XXXX company and sold me a {$3000.00} " BATTERY INSURANCE. '' ( I did not know that the car originally came with that coverage warranted by XXXX. ) XX/XX/XXXX I had the " Check Hybrid Battery '' error popped up on my dashboard. I went to XXXX XXXX where I was told that the battery needs replacement for {$4000.00}. I called my regular XXXX service in XXXX, where I was told that the car should be covered by warranty. I went back to XXXX, they said they will do the repair. The next day they called me to tell me that the warranty does not apply due to the fact that the vehicle was originally sold in Texas. I immediately called the dealership who sold me the vehicle but shockingly they OUT OF BUSINESS. I called Wells Fargo Dealer Services and ask them about what happened to this dealer ( Wells ' Partner ) who clearly sold me a car based on fraudulent documentation. Like I mentioned earlier, it 's been going on since XX/XX/XXXX, but Wells Fargo did n't responded ANY of my attempts whether it was via e-mail or phone. 
Each time I called I was unable to get any employee 's name due to Wells Fargo " in house '' policy. 
The non responsiveness is an ongoing issue with this bank. Earlier this year they tagged my auto loan with an extra {$2000.00} additional car insurance even though we fax the policy to them numerous times. They declined to respond until I reached out to CFPB. That issue was resolved and I thank you for that. 
Hopefully we can figure out why Wells Fargo promoting fraudulent used car dealers and why they did not respond any of my attempts since XX/XX/XXXX to resolve this matter. 

Thank you. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: OK

Complaint narrative:
In XX/XX/XXXX my brother in law began the process of building his house directly to the south of our house. In the land deed of ours, XXXX feet of land was deeded and mortgaged to us was actually my brother in-laws land. This happened back in XX/XX/XXXX. My brother in law called the abstract company and lawyers to get everything corrected so that he could get his home loan approved. Everything was settled. We accepted a different part of the land so that we got XXXX feet back to our property. We signed everything. Now my brother in law can not close on his building loan because my mortgage company, XXXX, will not get back with my brother in laws bank or lawyers to take off the XXXX feet of mortgage on our land so that they can add to his. They have tried for 6 months to contact XXXX. In XX/XX/XXXX, I went to pay our mortgage. XXXX now will not let my husband and I pay our mortgage or escrow because my brother in law is now in litigation with them. We are not suing XXXX. We have nothing to do with the litigation. We signed over the XXXX feet last year. We are now currently doing a cashier 's check and sending certified mail to XXXX because we want to pay our mortgage. We have tried several times to contact them. We have even talked to them over the phone with our banker. They said they would call back in a week. That has been a month ago and we have heard nothing. Please help us in this matter. We do not want our credit or our home insurance to suffer because of this. This is our last option to get help. Our banker said that we should contact you to get help. Thank you. XXXX and XXXX XXXX

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 2016-10-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: MicroBilt / PRBC (formerly CL Verify)
State: CA

Complaint narrative:
Microbilt pulled my credit report on XX/XX/2016 without my permission. They are reporting to XXXX that a credit inquiry occurred which I did not authorize.

Company response to consumer: Closed with explanation