vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-27 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KEYCORP
State: IN

Complaint narrative:
My ex wife and I had a HLOC and a note on our lake property which I now live in since we are divorced. The court order mandates that I maintain payments on the debt which I have done every month. We have never missed a payment until Key Bank stopped taking payments out of my account. The actual Key Bank debt was discharged from me in XXXX but my ex wife is still liable for the debt. She did not let me know about the note due at the end of XXXX since she had all the documents. That is when they stopped taking payments out of my account and did not notify me ... I had to find that out on my own. After a series of calls I findly contacted their outside counsel who instructed me to continue to make payments and I have. I received a letter on around XXXX XXXX, XXXX stating they were going to start foreclosure. I have told them all along to roll the note over into my name ... no cooperation. The whole issue is over a legal piece of paper not about failure of payment!! The bank has put themselves in a position of not wanting to solve the issue. I have talked to outside legal counsel and they are scratching their heads as well. I need someone to intercede on my behalf to talk with the bank because every person I talk with gives me a different answer ... mean time they are pushing for foreclosure internally while the banks outside legal counsel tells me to do something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: KEYCORP
State: OH

Complaint narrative:
I closed my Key Bank account in XXXX. I had a credit card linked with the bank and asked to close that as well which they said they could and did. I told customer service at this time that I have not received a bill for the credit card either by email or by mail and they said it was just being sent out and I would receive it in the next few weeks. I am in the market to buy a house and found out that Key Bank put a nonpayment on my credit report. I called customer service again in XXXX several times, each time being disconnected or being passed around to the wrong department. My initial {$29.00} bill had become {$130.00}. I had still not received a billing statement and did not want to pay all the late fees etc and admit that I was at fault without a bill. After several more calls in XXXX, and being passed around to different bank departments I was still not able to talk with the right people regarding paying my bill and fixing my credit. I contacted the bank in XXXX and was told they would request all the fees dismissed and asked me to call back in a few days. I called back and was told all fees were dropped but they had no authority to fix my credit even though they stated they were at fault. I paid the {$29.00} that I owed and was told that I would have to submit a complaint to the cfpb to have my credit fixed. I am very angry that my credit can be destroyed without my knowledge when I am not at fault. It has cost me much time in phone calls, disconnects etc. I am waiting for it to be fixed so that I can get a mortgage without having to pay a higher interest rate. Key Bank customer service stated that this has been happening to other customers but it seems like they have done nothing to fix the problem of billing and causing hardship to customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
The reported no payments were court ordered as the foreclosure process was illegal and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Broker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. The mortgage began XX/XX/2008 and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. Roundpoint Mortgage Servicers is the company, along with XXXX that put the pressure on us and refused to speak with me, the third person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and RoundPoint refuses to close this and wipe the slate clean. 
This is doing irreparable harm to me as a XXXX veteran health wise and financially.

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 2015-05-21 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
Collection company for a medical bill contacted me and stated employment verification had happened and I could be taken to court. They refused to give me the name of the attorney, stating they had XXXX that they used. I asked for the names of the XXXX and was not provided. She argued that they did n't threaten to take me court, but that I COULD be taken to court. They were also very rude when I disputed the bill, stating the doctor 's office had never billed me for it and I did not know the insurance had denied it. 
=They stated I could not do a payment plan without going through their hardship process, which included applying for a loan to get a denial letter, which would be a hit on my credit and more detrimental to me. I was told whatever I sent in would be applied to the bill but that collection practices would continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: AL

Complaint narrative:
Dear Sir or Madam : I am writing this letter to file a complaint against RoundPoint Mortgage Servicing Corporation, XXXX, NC. RoundPoint has repeatedly written me demanding mortgage payments. My original mortgage servicing company was XXXX, and since XXXX no longer sends me bills, I can only assume they have sold this account to RoundPoint. 

I purchased my home in XXXX from XXXX XXXX XXXX for {$91.00}, XXXX ( principal and interest ) for a 30 year mortgage. In XXXX, I bought XXXX XXXX out, and XXXX XXXX XXXX took over the loan. I refinanced in XXXX, for monthly payments of {$720.00}. To the date of this letter, I have paid {$100.00}, XXXX, which is {$13000.00} over the amount of the principal and interest owed. 

RoundPoint has written me and sent fraudulent documents to support their claim : Which is that I owe them {$40.00}, XXXX. They have listed the amount of my loan incorrectly : as approximately {$120000.00} including interest. They have also sent documents alleging that I refinanced my home in XXXX ; I XXXX in XXXX. Therefore, I did not and would not have refinanced my home in XXXX. 

Moreover, none of the documents they 've sent me list a payoff balance.I am sending a copy of this letter to RoundPoint. 

Sincerely, 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 2016-08-12 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Valentine and Kebartas, Inc.
State: MD

Complaint narrative:
This matter arises out of a dispute sent to XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX XXXX in XXXX, NH XXXX. ( See : Attachments ) XXXX XXXX failed to reply to my XXXX request and upon dispute transferred the debt to XXXX XXXX XXXX. ( See : CFPB Complaints # XXXX and # XXXX ) Upon the CFPB complaints XXXX XXXX XXXX then transferred the debt to Valentine Kebartas who is attempting to collect the same debt that has yet to be validated by XXXX XXXX and/or XXXX XXXX XXXX. In response XXXX XXXX XXXX in complaint XXXX I specifically stated my opposition to XXXX XXXX XXXX that I did not authorization and/or consent to the release, transferring, selling, intrusion, data sharing, etc., of my private and/or personal identifiable information. I requested that any and all file ( s ), contract ( s ) and or information containing the name " XXXX XXXX '', address, email address, phone records, social security number, credit card information, phone number ( s ), etc. in any variation, spelling or derivative is to be DELETED from XXXX XXXX XXXX records. The company has dishonored my request. I also opposed to the disclosure, publicizing or revealing of any personal identifiable information to XXXX XXXX XXXX or any third party entities ; data broker services, direct marketing services, directory services, sponsors and entities in which XXXX XXXX XXXX is acting as an agent ( s ), licensee, joint venturer, publisher and or any other services that are affiliated with XXXX XXXX XXXX. Valentine Kebartas and the aforementioned companies have violated 15 U.S.C.1692 et seq. in attempts to collect a debt by using false, abusive, deceptive, or misleading representation or means in connection with the collection of a debt ; attempted to extort payment with false litigation threats, false garnishment threats, threatening to enter a judgment also in violation of Section 807 ( 5 ) of the FDCPA, 15 U.S.C. 1692e ( 5 ) ; and Section 807 ( 4 ), 15 U.S.C. 1692e ( 4 ) ; Valentine Kebartas are " debt collector ( s ) '' engaging in deceptive and abusive practices that violate the FDCPA. In XXXX, the " FDCPA was enacted as a broad remedial statute designed to 'eliminate abusive debt collection practices by debt collectors, to insure that those " debt collectors '' who refrain from using abusive debt collection practices are not competitively disadvantaged. ' '' ( See : XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( quoting XXXX XXXX. XXXX ( XXXX ) ) ; see XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( 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 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
Dear CFPB Representative ; Is there anything we can do about bad service from a mortgage company? 
I am writing to complain of XXXX errors that have occurred in the servicing of our loan. 

The XXXX XXXX errors have been with the application of XXXX of my payments. Every payment that I mail includes a payment voucher clearly stating the normal mortgage payment plus any additional payment details. On XXXX different occasions over the last year, my payments were erroneously applied totally to principal rather than to principal and interest as required. Each time, I had to call customer service and point out the error and how the payment should be corrected. I was told by customer service, that if I wanted to avoid future errors, I should go online to input my payment amounts to their system. I think going on-line should not be necessary when I complete the company provided payment voucher and send with my check. In fact it feels I am doing a Roundpoint employee 's job. 

The last error was a Roundpoint over-payment from my escrow account for the dwelling insurance. The Insurance Company sent a bill to Roundpoint for {$730.00}. Roundpoint issued a check to XXXX XXXX for {$1700.00}. This error actually paid out more money than the escrow account contained! The estimated insurance amount was only {$930.00} dollars, but almost XXXX that amount was paid out with no alarms. I spoke with XXXX ( processor code XXXX ) in customer service and XXXX ( insurance department ) regarding this error. They were not able explain how this error could happen nor if there were any procedures in place to avoid these errors in the future. 

After depositing the refund check from the insurance company, I have mailed a check for {$1000.00} to fund the escrow account. The current Roundpoint statement ( copy attached ) still shows an escrow shortage as they had not received the {$1000.00} check at the time the statement was printed. I have no confidence that this error will be properly corrected by Roundpoint, nor do I have any confidence in any of their balance calculations. 

In addition, I am angry that Roundpoint customer service has been outsourced to the XXXX! It is always difficult to resolve an error but then to try to explain issues to someone who can hardly be understood because of such a strong accent is frustrating. I am horrified that my confidential information is in a location where the security is questionable and accessed by people who are not subject to the judicial system of the United States. 

I have been a homeowner since 1986 and never experienced such errors from a mortgage company. Is there anything I can do to insure that this does not continue?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Everbank failed to contact me when I had an existing military fraud alert on my personal information. They opened a bank account with my personal information under different contact information. I am trying to close this fraudulent bank account. 

I only found out about it through my own ID protection subscription service notification. I only opened this service after the OPM data breach that happened a few years ago and there were concerns of this information being sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Bureau Collection Services, Inc.
State: CA

Complaint narrative:
Some unknown person used my credit card information for car service without my knowledge or permission. At the time the charges supposedly took place, I had no car and did not have driving privileges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
I utilize TCF Bank 's online bill pay. 
TCF allows you to set a " deliver by '' date, which is great, except it rarely actually happens. Historically, my rent check is often delivered XXXX3 days AFTER the deliver by date. 

I time my payments to correspond with my payroll deposits, to make sure that I am timely with my payments. I have payments going out biweekly. The payee in this case is my Chapter XXXX Trustee, for Bankruptcy repayment. 

The payment that was to be delivered by XXXX XXXX, was sent on XXXX XXXX, and actually received on XXXX XXXX and then deposited on XXXX XXXX. Meaning that the check was processed two days prior to my direct deposit from my employer. 
TCF then assessed an over draft fee for the {$500.00} Check, as well as an automated transfer to a small investing firm ( XXXX ). As my direct deposit would not be delivered to the account until roughly XXXX, XXXX XXXX there were no funds to cover the {$500.00} check. 

Historically, all checks to this recipient have cleared the day AFTER the " Deliver by '' date. 

It is my belief that this practice leaves open a potential for fraud, by processing mailed payment runs early, collecting overdraft fees and then hiding behind some disclaimer ( That I can no longer view on their site ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a HELOC with Chase in which the repayment period begins in XXXX 2015 ( from interest only to amortizing ). Chase sent notices a year prior to maturity which is appreciated. My payment will more than double. I have attempted to be pro-active and have tried to refinance my HELOC. Since the value of my house is approximately the same as the balances of my XXXX and HELOC, Chase and other lenders can not assist. My credit score and DTI are very strong. Chase offers mods but only if there 's a financial hardship and it will adversely affect my credit score. I would like to refinance both my XXXX and HELOC and lower my potential payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This is on my credit report. I do not know what it is for and question it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Recently returned from service overseas and applied for a Chase credit card. Was told that I was not approved because I had XXXX credit card applications within 2 years ( I did n't have a credit card until I joined the XXXX 3 years ago ). If they have a rule, their application should clearly state that there is a rule before I applied for their card and had an inquiry and denial on my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have a Federal Direct Plus Loan. I have attached loan paperwork to show that it is on a Standard repayment with fixed monthly payments for up to 10 years with a fixed interest rate of XXXX %. I have been paying that fixed monthly payment of {$190.00} for 5 years, and received an email from my Servicer ( Nelnet ) XX/XX/XXXX, stating that after a periodic review, they had to raise my monthly payment so that I would be paid off within the remaining term. Although the increase was n't that much, I had never heard of this happening, nor did most people I asked. I called the Servicer, and the 1st XXXX reps I spoke with had no idea why, then I asked for a supervisor who was n't much help either, then asked to speak with his supervisor. I was given many explanations. First, it was a miscalculation or mistake, then I was told that student loans are different than regular loans, and they can basically do whatever they want as it is stated in the fine print. When I asked if I could see the paperwork with the mistake and that fine print, they said they would n't be able to as they service too many loans. They actually told me that they were saving me money because they do n't always find these mistakes until the end of a loan, and if people ca n't pay it in a lump sum, then they have to go into repayment. I will admit that I had a couple of late payments, which when I called to pay them, I was told that my account was in good standing, there would be no late fee, and they did n't even report late payments to the credit bureau. I asked the supervisor if these couple of late payments were the cause of this and he assured me it was not. I contacted the Dept of Education who put me on to an ombudsman who basically said this does happen ... but he 's not at liberty to give info about these Servicers, even though I saw a lot of negative comments about my Servicer on the internet. I wonder how much oversight the Dept. of Education has over all these companies they use to service their loans. I have XXXX other Servicers, and worry that this could happen to the other Parent Plus loans we have, or to my kids Stafford or XXXX School loans which would be far worse as they and all students struggle to pay off their loans without this even happening. I have been advised by many knowledgeable friends to continue to pay my old payment so that I am not agreeing to their new terms until this is straightened out. When I call to make my payments, I verbally tell them this and they say they are putting it in the notes. But now they keep calling to say I 'm past due. And XXXX agent said they might report me to the credit bureau which they said they did n't do. I would appreciate it if you could please help me with this situation. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In 2008, I went online and saw an advertisement for a loan for students that provided extra money that could be used for anything I 'd like. I applied and got the loan and proceeds. years later I was forced to file for bankruptcy, however this loan company continued to harass me for paying them. They even harassed my father and I 'm Not sure how he got into the mix. They are now saying this loan was not discharged in my bankruptcy because it is an education loan certified by a school. This is false. I was not even attending a school at the time I applied and received the loan. I really need some assistance in getting this resolved, at this point the balance is nearly $ 20k more than the original amount borrowed and the monthly payment is over {$400.00} per month. But most importantly I believe they are attempting to collect based on it being an " education loan '' which it does not meet the criteria for.

Company response to consumer: Closed with explanation