vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
XXXX XXXX /navient are not reporting my payments on the credit bureau just only the balance. So when I apply for a loan they tell me that I do not pay my student loans ( XXXX XXXX / navient ). XXXX XXXX /navient loans automatic comes out of my checking account each month for the last 4years. Please Please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was conned into consolidating my loans at a higher interest rate. I was not aware of the significance of this. My payback is much more than desired. Its a rip off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Bryant Bryant & Associates LLC
State: CT

Complaint narrative:
I 've been getting calls from company called Bryant and Bryant associates claiming be lawyers office. However, I research them on XXXX and their are collection company. This is total against law and violates debt collection rules. A XXXX XXXX has called me numerous times saying he 's got legal claim against me in his office. I 've saved voicemails sent in last three months. Company refused to verify debt through mail. They called and harassing my family friends and job. They claim be lawyers office however, they are only collection company. State of Ct says that this company ca n't charge without crime its civil issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 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: PA

Complaint narrative:
I am XXXX years old with XXXX children. My home is also attached to the only income I receive. I have lost renters, had to do several repairs on the apartments and finally have all my unites filled with constant payments. I understand that I have had XXXX modifications before and that my mortgage company has tried to help me. I finally have faithful tenants and am asking for one more chance to make this right. I know I can pay the mortgage now and I have complete faith in my tenants to make sure my payments are made on time. I submitted a review package for assistance with proof of my hardship and they would not even forward to management to be reviewed. They simply told me no. I do not feel as a account manager and them not loaning me the money they have a right to deny me without proper review. I do now want to lose my home and my only of income as I do work. My husband use to handle all of this before passed and I am now dealing with it and can manage much better than I did before if given an opportunity. Please help me any way you can. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: NM

Complaint narrative:
XXXX/XXXX/16 I received a western union transfer from XXXX XXXX NV and tried to transfer the cash to the XXXX prepaid card I had for this type of transaction. I received a notification that the money had been credited to the card but XXXX seconds later western union voided it off the card. I have spent the last 3 weeks trying to get someone from either company to help me. Both companies blame the other. XXXX says they received the money but western union voided it and western union says they sent the money to the card. But I have still no access to it. I have all copies of transaction and even the Representatives from each company claim they can see the issue on the computer system but have to escalate the issue to a higher department each time promising me a call back with in 24-48 hours and I call back 3 days later only to have to start all over and nothing has been escalated at all. I have spent hours calling each corporation and being transferred and told at the end they ca n't help me until it is sent to a mysterious department that I can not speak to directly. The way they have the system set up both companies have to be on a conference call both looking at there seperate screens to see that the money is lost in cyperland. So to be clear I was wired XXXX to western union and when I tried to transfer the money to my wunetspend card it was credited and than voided within XXXX seconds by western union. And since it sells itself as one company it is really 2 companies with different systems and service reps and instead of getting to the bottom of the problem I have been told ot was the other companies fault not theres and I need to contact the other company. But when I do get someone to conference call the other company I am told that they can see i have not received the funds because of some glitch in the system but still can not resolve the issue without contacting another department that I can not talk to nor when I call back that it has been sent to it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: MN

Complaint narrative:
We annually transfer a donation thru WesternUnion to the XXXX university in the XXXX XXXX. The transfer is made to a personnel acquaintance. This year when he went to pick up the money, the local agent took the transfer codes and indicated it would take some time and he should wait a few minutes. When he returned to the agent they indicated the money was not available. As the sender we received notification that the money had been transferred. 
We put in a complaint thru Western Union on the transaction failure. During the course of XXXX follow up telephone calls one of the Western Union agents admitted they were seeing local agents defrauding customers. However they would do nothing other than confirmation the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: ME

Complaint narrative:
I borrowed XXXX an they charged me a lot more than what I did borrow the money they take out I really need! It 's crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
In XXXX XXXX, we submitted our 1st hardship package to Roundpoint Mortgage as we had fell behind 1 mth. They continually lost paperwork, never called, or sent out letters ; unless I contacted them first. During the process, we were repeatedly told us that it was approved, and docs were being processed and would be mailed out. Later we find out we were denied, 1st letter stated that our only option was short sale or deed in lieu, as income was insufficient for other options. When I called to find out why, I was told to reapply. So, yet again, I submitted package. As this was in review, I spoke several time to loss mitigation and was told that, payment would not be accepted and they even went as far as locking us from our online account. During this review, we were informed by XXXX XXXX XXXX that they had submitted the home to foreclosure ... ... DUAL TRACKING ... .while we were in review for loss mitigation. 
Once I involved the VA, things appeared to be moving along. Then they continued with needing additional paperwork, which was submitted and EVERYONE giving me different answers, as our Point of Contact was never available. Finally, when we did receive our modification, it was {$30.00} less than our regular payment and that was due to a decrease by XXXX interest and taxes. Which, we took as we had no other alternatives. I was told that after modification was complete, credit would be rectified, as " missed '' payments were added to the end of the loan. After we submitted all the notarized paperwork in XXXX XXXX, I was informed that to this day we are still in active mitigation. I asked why and NO ONE can explain it. Due to their delays, we had to have a Monitored Disbursement on a Homeowners Insurance Claim and the Contractor was furious due to being told 1 thing and someone else saying otherwise. Credit has NOT been rectified as stated and we are still sitting in Active Mitigation.

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 2017-02-28 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: WV

Complaint narrative:
I wanted to transfer money from my debit card to a bank account in XXXX. 
This was denied by Western Union after asking multiple questions and accusing me of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MN

Complaint narrative:
Someone stole my personal information and identity and applied for a payday loan with Cash Central. The account with Cash Central is a fraudulent account and do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lamont, Hanley & Associates, Inc.
State: CA

Complaint narrative:
Begin receiving emails and telephone calls from Lamont, Hanley and Associates Inc located at XXXX XXXX XXXX XXXX NH XXXX regarding XXXX XXXX ( XXXX XXXX XXXX XXXX ) overpayment that never happened. 

To be sure it was n't clerical error, I called and spoke to a representative of XXXX XXXX and was told they do n't have me on any delinquent account and report it as it may be fraud. 

I emailed XXXX XXXX, Account Manager and Department Supervior at Lamont, Hanley and Associates, Inc and asked where did she obtain the overpayment information. 

XXXX XXXX continued to send emails regarding payments and nothing else. 

I 'm sending a cease and desist letter so that Lamont, Hanley and Associates will stop harassing me. 

Appreciate any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
# 1.FALSE REPORT : untrue and not correct. reported on my credit as open acct XXXX XXXX, XXXXdebt is from medical XX/XX/XXXX for family membercalled from XXXX XX/XX/XXXX @ XXXX, XXXX, and XXXX ... repeat calls.. less then XXXX hrs apart ... Talked to a XXXX Party about Debt : the collector spoke to my Son about the debt.. offered my son a settlement for XXXX my son who is XXXX yrs. old.. at end of convo.. the Collector asked who he was speaking to my son gave him his name ... .. My son asked who he was the collector gave his name XXXX XXXX # 2 Did not disclose communication was attempt to collect a debt ... I called in on XX/XX/XXXX, because I seen on my credit.. Did not disclose communication was attempt to collect a debt at first time I contacted ... # 4 Never received notice of rights to dispute ... have had the same address for 15 years.. and another call this morning XX/XX/XXXX at XXXX.. all calls made to my cell:

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
I submitted a request from Macho & Johannes LLC at XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX and requested the balance on XXXX accounts that I am paying through a consumer credit counseling agency ( XXXX ). About three weeks ago I submitted this request and I have received no reply back. I am going to fax over the request today and I am providing you a copy of the letter below. 

XX/XX/2016 Machol & Johannes XXXX XXXX XXXX XXXX XXXX XXXX CO. XXXX Toll Free : XXXX General Fax : XXXX XXXX XXXX XXXX. 
*********** XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Account Balances : I sent an email about three weeks ago requesting the balance to the following accounts ; XXXX ; XXXX ; XXXX. I need to show my employer that I am making progress on these items. As you know I am XXXX and this affects my clearance and my job employment. 


XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
Checksmart XXXX collections office has been harrassing me for 5 months. I have informed them multiple times that they have the wrong number. They are attempting to reach a woman 's home phone number and are instead calling my cell phone every day. The agents are extremely XXXX and XXXX toward me and i have never done any sort of business with tgem. I have inforned them on XXXX occassions i would be filing a complaint against them if the calls continued yet they still continue. ( XXXX ) XXXX is the number they call from. When you call back their answering service is de eptive as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX there was an unauthorized withdrawal from my business checking account for {$2800.00}. The money was taken out using Venmo ( a division of XXXX ). I do not have a XXXX account. I have gone to my bank and they are investigating.I am a small seasonal business ( XXXX employee - me ) and did not notice the funds missing until XX/XX/XXXX. I went to the bank on XX/XX/XXXX and we did contact XXXX. The bank has sent me a letter stating that they will make a final determination by XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: OK

Complaint narrative:
Round-point is belling me for taxes .The Taxes was paid at the closing the people that I bot the house from pawed half and i payed half. now round-point is trying to bill me again for the taxes. They are giving me the run-a-round. I sent all the paperwork to them they still say I them the tax money. 
I will never do business with the 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 2016-11-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: AR

Complaint narrative:
We applied for and were approved for a VA cash out refinance loan. When we were almost ready to close the loan our existing mortgagee, Roundpoint Mortgage, sent us a letter dated XXXX XXXX, 2016 stating our loan was being sold to XXXX XXXX Mortgage/c/o XXXX XXXX. We signed the documents closing our loan XXXX XXXX, 2016. We received a letter about the transfer of our existing mortgage from XXXX dated XXXX XXXX, 2016 saying they were servicing our existing loan with payment information. We received our borrower 's final closing statement from XXXX Escrow dated XXXX XXXX, 2016 which showed the payoff of our loan to RoundPoint Mortgage not XXXX. Along with that document was a letter from XXXX Escrow dated XXXX XXXX, 2016 that indicated an escrow account was closed. Attached are copies of these documents. As of today, we have n't received the money we had in escrow from anyone in the amount of {$1000.00}. RoundPoint says it was transferred to XXXX XXXX. I ca n't get XXXX XXXX to talk to me as our loan number and last XXXX digits of my husband 's social do n't come up on the automated answering system. Could you please help us get paid our money that was in escrow connected to our paid off loan? Your agency helped us recently and we were very grateful for that. This is just like before, we 've exhausted all of the options that we can think of. Thank you, 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 2015-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
Roundpoint Mortgage Servicing Company says I owe them {$3700.00} which represents an escrow shortage. They assumed my mortagage in XX/XX/XXXX from XXXX XXXX XXXX XXXX. I have received XXXX prior Annual Escrow Account Disclosure Statements from Roundpoint ( XX/XX/XXXX and XX/XX/XXXX ) indicating I had a surplus. This is Roundpoints accounting and due diligence errors and I should not have to suffer financially because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
The servicing company on my home loan ( Roundpoint Mortgage Servicing Corp. ) is demanding over $ 80.00/month more than required for escrow. Multiple calls and emails have not produced any results other than misinformation.

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 2016-05-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: TX

Complaint narrative:
I called SENECA Mortgage Servicing at XXXX. There is no option to talk to a live person which is ridiculous. I am calling about a fee charged on my account and there are absolutely no options to talk to someone. Is n't that a requirement of a loan servicer?

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: 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:
I got a phone call from Procollect Inc in XXXX XXXX about a debt that I did not know. This debt is based on the leasing contract of the apartment that I have never lived. I thought it was scam and ignore it. But I got a mail from this company in XXXX XXXX. After checking my credit record, I found that it was appeared in my credit record in XXXX XXXX. 

I requested Procollect Inc to send the proof showing I owed this debt in XXXX XXXX. They sent a leasing contract between DTN management and the person who had a similar first name and same last name, and went to the same University to me. However, that person is a clearly different person from me based on the full name, gender, passport number, and student ID and degree based on the record in the contract. 

I sent a letter stating that I am not the person who owes that certain debt with a proof ( a copy of my passport ) in XXXX XXXX via certified mail. However, Procollect did not respond after that. 

Now I find that the name of the person who made the contract with XXXX was added to my credit record as XXXX of my names and this debt is still in my credit record ( as in XXXX XXXX ). My credit scores have been dramatically decreased since they called 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 2016-06-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
My account check card was stolen ... I alerted the bank and they charge me over {$300.00} in bank fees then closed my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 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: ProCollect, Inc.
State: TX

Complaint narrative:
I am disputing this item and would like proper validation as these charges are not accurate. I 'm requesting full validation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I received a collection call at XXXX XXXX this morning from Roundpoint Mortgage. They hold the mortgage on my investment home. I had n't paid the mortgage this month because the website was down. It would not let me in. Mind you, the loan is up to date and paid every month. It 's a courtesy for them to do this. I find it insulting. I have never been late and my credit score is over XXXX. They could have cared less. They carried on about if there is a problem, they want to be there to help. I continued to tell them about the website and said I had just gotten out of bed and had n't tried today.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: KEYCORP
State: OH

Complaint narrative:
Key Bank failed to deliver funds by the " guaranteed date '' to a payee from my checking account.

Company response to consumer: Closed with non-monetary relief