vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: WV

Complaint narrative:
We purchased our home XX/XX/XXXX. XXXX XXXX Roundpoint Mortgage purchased our loan. Soon after we received a letter stating we did not have enough flood insurance and if we did not respond within 45 days they would force place extra coverage. Well our payments went up XXXX more a month. We received the exact same letter same wording and just a date change XXXX XXXX. My husband called our mortgage company numerous times, talked to several people who all have different answers. The fourth day of calling and being placed on hold for 50 minutes at times he finally spoke with a manager/supervisor. He explained what we had received and the manager told him that the issue had been resolved to just throw the letter away/put it to the side. She stated that we were paying the extra XXXX a month for extra flood insurance. She also stated that something was definitely wrong with our file and that she was going to send it to another managers office. We thought the problem was resolved. Still XX/XX/XXXX to be exact, we are flooded. We live in WV where XXXX of the XXXX counties were declared a disaster area. We called our insurance and made a claim. We then called our mortgage to let them know what had happened. While talking with the mortgage company we were told that we only had XXXX in flood insurance. Now mind you we just talked to the on XX/XX/XXXX and was told we had been paying extra for more insurance. My husband asked to speak to a supervisor and was placed on hold for hours at a time. The phone would be answered as if we were calling in for the first time again. We have never spoke to a supervisor to date. Two weeks after the flood we received an advancement check so we could get started rebuilding but our mortgage company told us to endorse it and send it to them to be placed in a file, that they have never heard of an advancement check. The issue with all of this is we have had to spend XXXX out of pocket to make our home livable but not repaired. The total damage to our home alone was XXXX. We only got XXXX to fix our home. As you can see that is not going to cover the damages. So, due to Roundpoint mortgage dropping the ball where our flood insurance is concerned we will not receive enough money to repair our home. We were told the XXXX extra was for extra flood insurance. If it was n't going towards flood insurance they have had our loan for almost two years, why was this issue not fixed?

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 2015-11-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
This is to inform you that over XXXX customers who have come to XXXX XXXX XXXX in XXXX in the past year or so and ate or had a drink are being charged XXXX from their accounts on a single day. The fraud in this restaurant is massive. I personally was charged over {$2000.00} in XXXX XXXX and on XXXX XXXX, I was charged again another {$1200.00}. This happening to lots of people. The management is saying XXXX XXXX, XXXX. a credit company is doing this. My bank is saying XXXX XXXX XXXX is doing it. I have filed a police report with XXXX Police Department. We need your intervention. 
Please help stop this menace.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
This account was from my identity being stolen and is fraudulent, it is being reported even though it is a fraudulent account I have filed a police report and identity theft affidavit regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I have a 30 year fixed mortgage with TCF bank. My monthly payment is XXXX due on the XXXX. I paid it on the XXXX and they only applied XXXX to my principal. the rest went to interest. They distribute my payment unevenly every month. I have never been late. I think the distribution is grossly unfair. I have written to the bank president who said that when the payment is not paid on the XXXX, more goes to interest. I understand that, but {$1000.00} to interest and XXXX to principal? Can you help please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
Roundpoint had me sign an approval to participate form in order for them to approve the short sale of my home. After many months of offers being put in on my home and losing the offers ( because Roundpoint simply took to long to approve the short sale thus giving them more money in fees that I owed ... some of my offers were almost over what I owed on the home to begin with and I even had a cash offer fall through ) they finally had me sign an approval to participate saying they would accept an offer that was made on my house. In the approval form it states that if I successfully close on the sale of my home following their procedures ( which I did ) that they would compensate me {$750.00} at closing. And that my compensation would increase to {$1000.00} if I closed before XXXX XXXX ( which I also did ). It says I may elect to receive cash or apply some of all of the compensation to sales costs not paid by HUD. Now, when the closing happened they never asked me how I wanted to receive this compensation ( I would have elected to receive cash ). It was never put on the HUD ( nor could it have been, because in a short sale there may not be a payout ). Now, over a month later after my closing I still have not seen the compensation they promised me for doing these things. According to a party at Roundpoint ( all conversations at their company are recorded ) they may not pay out because of some type of Respa ( not sure if that is correct ) procedures. HOWEVER, I asked her several times if respa procedures include anything about a compensation. She said " no ''. I said " then Respa has nothing to do with this compensation because it is not a normal procedure, correct? '' and she said " correct maam '' then went on again talking about Respa. The paperwork clearly states they would pay me the compensation if I did everything they asked. I did everything they asked and then some. I suffered fines and fees for over a year because of this company dragging their feet and me losing potential buyers on my home. Roundpoint owes me {$1000.00} according to this agreement. And I am willing to take the matters to court if they do n't compensate me what THEY owe me. My realtor did not give me this paper, the title company did not give me this paper, ROUNDPOINT did. Therefore, they owe me the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP
State: OK

Complaint narrative:
I have had a siding loan that was added as a XXXX mortgage to my house since XXXX. On XXXX XXXX, XXXX, I scheduled a payment online to pay off the balance of the loan, totaling XXXX. Key Bank 's online account access showed they were processing XXXX payments, XXXX for the monthly amount of XXXX and a XXXX for the balance of XXXX. After 3 days of pending status, the only payment now posted is the XXXX. HOWEVER, they have taken BOTH payments from my bank account. When I called to investigate, they told me that they did not have record of the larger payment and the only payment I had scheduled was the smaller XXXX. After I informed me that according to MY bank balance they had an extra XXXX floating around and I wanted it located, I was informed the only way to pay off a loan was thru a wire transfer, which I was NOT advised of when I called in to inquire about an early payoff fee, and so they did not have the money. They have now informed me that I needed to take it up with MY bank and call them back when I was ready to wire transfer the balance, which has now increased due to all of this MESS!!! When I requested to speak to a manager, I was informed that the manager was off today so she could leave a request for a call back. This is TOTALLY unacceptable! How can a bank literally TAKE your money and then tell you it 's up to you to get it back?? They are LITERALLY the most AWFUL bank ever. Their customer service is ATROCIOUS. I told the representative all I wanted to do was NOT do business with them and I ca n't even get out of THAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP
State: ID

Complaint narrative:
Key Bank has used poor business practices and charged me an excessive amount of money for overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
XXXX, now operating under the umbrella of XXXX XXXX is the company that bills me for water and sewer. I like to pay online ( no one uses checks these days ) but the only way I can pay online is through Western Union speedpay. This service costs an additional {$3.00} on an average monthly bill of {$50.00}. Is it fair to be paying an additional 7 % year in and out on my water bill just so I can pay online? I realize regulating a utility company may be outside your scope ( please direct me to the right place if so ). However, I was wondering if Western Union was providing any kickbacks? Why would the energy company burden customers for years with a very expensive service just to pay the bill online?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LendUp Loans LLC
State: SC

Complaint narrative:
Inquiry issue tu refused to remove

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 2017-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
We have bank accounts with XXXX local branch office at XXXX XXXX XXXX XXXX XXXX we do all of our deposits in this branch. On XXXX/XXXX/2016 and XX/XX/XXXX we thought we deposited in amount of {$5100.00} in XXXX batches. On XXXX we deposited check in amount of {$1000.00} even and {$2400.00}. And XX/XX/XXXX in amount of {$1600.00}. 
Once I noticed the discrepancy we went in person to talk to the XXXX, he talked to us and promised he will try to figure it out. After taking XXXX weeks or so around XX/XX/XXXX he called he said he was unable to figure out either from the video footage or from the batches. We have requested to look into the camera for both days which he refused. We then asked if we could talk to the XXXX. He called then we explained the situation and he promised to get back to us. I heard nothing from him since. But we have called twice or so because we are frustrated at this point. We are writing today to you because XXXX does not understand what {$1000.00} meant for a working family. We are deeply disappointed as this speed of respond it extremely too slow and also customer service for paying no attention to the matter in addition to the supervisor and XXXX. It seems they didnt care about what has happened from how they have been drugging us until now. How much this can affect out family? We would like to end any business with XXXX once we get resolution and look for better bank that can take care of our money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Arbor Residential Mortgage LLC
State: DE

Complaint narrative:
Seneca Mortgage Services is a predatory company and my case is the smoking XXXX. Their business model can be outlined in three very simple steps : 1 : Buy delinquent mortgages from upstanding banks In my case, my loan was purchased from XXXX after I fell behind on my payments while experiencing a physical hardship that made it impossible for me to work. 
2 : Make sure the consumer FAILS at a loan mod or repayment program. 
This is something I DID NOT FAIL TO DO. All of my payments were made, in full, and on time. However, this is the " smoking XXXX '' I mentioned earlier. 
3 : Send the failed mortgages to Sheriff Sale so they can make money on the sale of the property. Self-explanatory. 

While on vacation, a letter notifying me of my property going up for Sheriff Sale was placed on my door. I did n't panic because I knew all payments were made. 

Basically ... they EVEN tried their three step plan on me. On a loan that was no longer delinquent, or had ANY OUTSTANDING PAYMENTS. 

If they tried this on me ... they 're trying it on everyone. PLEASE HELP STOP THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
TCF BANK KEPT CHARGING FEES TO MY CHECKING ACCOUNT AND OVERDRAFT FEES.IN VIOLATION OF DODD-FRANK ACT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP
State: OR

Complaint narrative:
I had a house in XXXX OR. I paid the mortgage loan monthly. I traveled to XXXX in XXXX 2010. When I returned home in XXXX OR in XXXX 2010, surprisingly, I found that my house was sold by my XXXX loaner Key Bank. At that time, I had n't receive any notice of foreclosure of my house. It was wrong to take away my own home without my permission. I have been complaining to various departments many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: M&S Recovery Solutions
State: MN

Complaint narrative:
They continue to call this number for someone we have told them many times is not at this number and we do not have a number for that unknown person.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: NY

Complaint narrative:
I signed up for a Key Bank account based on a bonus offer I had seen. I opened the account in person and confirmed with XXXX XXXX I was eligible. I met the bonus requirements and confirmed that I had done so. However, Key never gave me the bonus. 

I was also misled many times to believe that a resolution was forthcoming, however, it never materialized. I am now being assessed fees, I do not want the account, and I want my bonus as was promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Attached is a copy of a collection letter from ProCollect addressed to my deceased wife, XXXX XXXX, who died on XX/XX/XXXX. Approximately 2 years ago, ProCollect started contacting my wife by phone/mail regarding this debt. At that time I contacted ProCollect by phone regarding the alleged debt and was told that it was for an emergency room doctor who treated her at XXXX XXXX XXXX prior to XX/XX/XXXX. ( I do n't recall the exact year, but it was prior to XX/XX/XXXX. ) This was the first contact that I can recall that was ever received regarding this debt. I verbally explained to ProCollect that it appeared that the Texas statute of limitations ( 4 years ) had expired on the debt and that I could not verify the fact that my wife owed the debt. I disputed the debt in writing and asked for verification, but received no reply. ProCollect has phoned many times ( not less than XXXX times ) and has sent many letters ( not less than XXXX ) to my deceased wife regarding this debt. The actions by ProCollect are a violation of the Federal Fair Debt Collection Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
My mortgage was " sold '' to another lender in XXXX. I 've asked on numerous occasions to please provide a copy of the deed, note, and other documentation ; however, they can not provide evidence or supporting documentation that they even own the property. They can not provide any supporting documentation and do not have any paperwork pertaining to my mortgage ( note, deed, etc. ). I need these documents for legal purposes, my final will and testament, and to prepare to sell my home ; however, the lender ca n't provide them to 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 2016-12-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: SC

Complaint narrative:
I HAVE BEEN GETTING XXXX CALLS XXXX DAYS A WEEK FOR OVER XXXX MONTHS FROM KEY BANK. I HAVE NEVER BEEN IN A KEY BANK IN MY LIFE. THEY SENT ME A LETTER OFFERING TO WAIVE MY LATE PAYMENT. I NEVER BORROWED ANYTHING FROM KEY BANK. THE NUMBER THEY CALL FROM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect of XXXX continues to leave a {$41.00} collection debt on my XXXX Credit even though I have proof they cashed the check for this debt 4 months ago and I have called them 3 times to have this removed since that time. It has kept me from re-opening my main XXXX XXXX card account two times now. They have made two promises of dates that this will be removed from my credit report and those dates have long since past. What teeth can you put in to this and force them to act now???

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 2015-10-22 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Federal Cash Advance, LLC of Oklahoma
State: TX

Complaint narrative:
I went in to Cash Max, located at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX, TX XXXX on Wednesday, XXXX XXXX, 2015 for a {$350.00} title loan, and per rights granted to me by law, went in XXXX days later on Saturday, XXXX XXXX, 2015 to pay it off and cancel the loan free from any fees. However, when I went in to cancel the loan, I was charged an additional fee of {$28.00}. So although I was within the 3 day period to cancel, they charged me additional fees, and did not have my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stephens and Michaels Associates, Inc.
State: TX

Complaint narrative:
I had a credit card, auto loan, and personal loan from XXXX XXXX sent to Stephens and Michael 's Associates debt collection law firm. While making the payments to Stephen 's and Michael 's I was under the impression that all of my payments were going towards the debt. When I completed my payments with Stephen 's and Michael 's I contacted the bank to get the title of the car since I was under the impression that all our debts had been paid. The bank explained to me that Stephen 's and Michael 's charges a XXXX-XXXX % fee and that I still owe the bank. Even the customer service representative admitted that this is a common tactic of Stephen 's and Michael 's and that others have been led to believe that their debts were fully paid off when they in fact were not. The entire time in dealing with Stephen 's and Michael 's I was never informed of this fee and the fact that the final payment I made was n't going to fully satisfy the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 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: GA

Complaint narrative:
I never authorize and request services from XXXX XXXX XXXX. In addition, multiple calls have been made to XXXX XXXX XXXX for dispute but never hear anything back. Instead, I received the debt collection from Phoenix 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 2016-02-15 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
I had got to judgment to garnish my check in XXXX and the amount was XXXX well within 2 months they added {$1100.00} on to this bill now its XXXX so when I call to talk with them there was suppose to get rid of the fees and the penalties fees. I told him I do n't understand why {$1100.00} is added on here from XXXX to XXXX 2 months, so the guy cant explain to me why the bill is XXXX more everytime I call him he seems confused and ca n't explain why. I 'm willing to pay XXXX making payments a month but I refuse to pay all those extra fees and I do n't understand it and this was a bill from XXXX from XXXX XXXX. I was just wondering is n't there a statue of limitations in Colorado for 6 years just a question!

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