vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-11 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: AR

Complaint narrative:
I authorized my bank to pay {$440.00} to Western Union XXXX WU XXXX on XX/XX/XXXX. WU received the money from my bank on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX from XXXX to WU for {$440.00} ). 
WU cancelled the transaction on the same day and promised to return my money. Today, 7 days later XXXX! ), after daily phone calls, emails, and chats, they are not willing to comply with such basic rule of any banking ( or for that matter business XXXX institution. If WU had any issue they should have contacted me before cancelling ( they did n't even try ) and, in any case, NOT TO TAKE MY MONEY because they were not going to comply with WU 's side. Now that they have it, WU MUST RETURN it with the same celerity that I paid them. Additionally WU should pay for the damages caused by WU 's poor business behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 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: ERC
State: TX

Complaint narrative:
I received a letter from Enhanced recovery regarding an alleged debt dated on XXXX. I responded to the letter asking for validation of the debt, I have attached the letter and copy of the tracking receipt. I have not received any validation to date but today I received notification on my credit report that the debt was reported. This is clearly a violation of federal law and a blatant of the Texas XXXX code. I will also file a complain with the Texas State attorney general 's office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I closed XXXX bank accounts with Citizens Bank RBS. After I closed the accounts, deposits were made electronically into those accounts without my knowledge keeping the accounts open. Citizens Bank never sent me a statement of any kind for years while they drained the accounts with maintenance fees. Once XXXX the accounts went negative on maintenance fees, they finally sent me a letter indicating I needed to pay the negative balance. I 've spent a lot of time talking to a lot of people to resolve this, but Citizens hides behind its electronic statement agreement that the statements were posted to their site and I should have accessed them. However part of that service includes email alerts when the statements posted, and those were turned off during the closing process of the account, so I never got any indication for years that these accounts existed any longer. Citizens refunded 10 % of the fees they extracted and refuse to help any further. I do n't understand how a bank can have my money to make money with while at the same time charging me maintenance fees for years and never sending me a statement of any kind for regulatory purposes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank went into my checking account and withdrew {$300.00}. they said was a Chargeback. 
First they told me there was nothing they could do. Sorry ... .... 
Then when I pressed, they cited {$100000.00}. that was released in my bankruptcy in 2010. They told me they had no record of my bankruptcy and were simply collecting their money. 
Because of their removing money, I bounced my car insurance check. Awesome!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Williams & Fudge, Inc
State: SC

Complaint narrative:
XXXX University failed to communicate with me about a debt that I owed. When I was in school they notified me that I did not have financial aid, when I was in the second week of the school term. Instead of offering more loan services, I had to drop classes or incur more debt. They never sent me an original bill at my address and I had a XXXX balance at this institution. I am being contacted by Williams and Fudge, a debt collector, collecting {$1000.00}. I do n't think this debt is valid. I asked him to validate the debt for me and he could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I applied for a loan, the truth in lending disclosure was never displayed to me. The company told me on a {$400.00} loan I would have to pay a total of {$540.00}, which includes a {$140.00} service fee what I accepted. Today I check my account and they are charging almost 1000 % interest ( not a typo )! This was NEVER told to me or I would have never accepted the loan! This is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 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: ERC
State: NY

Complaint narrative:
enhanced recovery system corp is reporting on my credit without validation i call them and asked for validation which they could not proved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ERC
State: OR

Complaint narrative:
I received a collection notice from a company called " Enhanced Recovery Company LLC '' stating that I have an unpaid balance with XXXX XXXX XXXX in the amount of {$98.00}. I called XXXX XXXX XXXX customer Service and they have no record of any out-standing debt in my name. I have n't had any XXXX XXXX XXXX service for the past seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
My wife has a student loan and was a little behind. They call my number ( husband ) asking for her. When I ask who 's calling they first only give a first name. I press and they will say for a personal business matter. If I keep pressing they acknowledge they are calling from Citizens Bank on behalf of XXXX. They are now calling me twice a day, even though I already answered their first call today. I told them it 's too late to be calling, yet alone a second time in 1 day. He said they will call as late as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP
State: NY

Complaint narrative:
I had an auto loan with First Niagara who was bought by KeyBank. The merger happened XX/XX/2016. I paid my XX/XX/2016 auto payment electronically - which I have proof of from my financial institution ( it was paid via Bill Payment electronically ). I received a past due notice on XX/XX/2016. I called the number on the past due notice on XX/XX/2016 and questioned it. I was informed they did not receive my payment. They were going to submit a research request, which I was told would take 10 days. They were to call me with the outcome. I did not hear from them so I called again on XX/XX/2016. They still had not found my payment. I told them it was done electronically and I would provide proof of payment from my financial institution. I faxed over the proof of payment on XX/XX/2016 to the phone number they provided me. Each time I call it takes me at least 25 minutes on hold to get to someone in the loan department. I still do not hear anything. On XX/XX/2016 I receive another past due notice. PLEASE NOTE - I made my XX/XX/2016 payment with no problem ( so I am continuing to pay because that is what a responsible individual does - pays their bills on time ). I call again and go through the story again. This time they tell me they are going to expedite the research and it should only take 3 days. I confirmed the fax number again and faxed the information again. Now the fax has XXXX Service Request numbers! I still have not heard a word from the Loan Department at KeyBank HOWEVER -- I have had not one but two collection calls. I have explained my situation as nice as I can but I ask them " Did you even read the notes on my account? That I am having an issue and it is being researched? '' They could care less. In a nutshell I have done everything I can to help KeyBank find my lost electronic loan payment. They have not called me or made any acknowledgment that I have contacted them multiple times about this issue. They have done NOTHING TO HELP ME except for have collectors call me! I am very concern this is going to hurt my credit score but all they say is " we can waive the late fee ''. I ask you -- How is that going to help me when they report me more than 30 days late on a loan?. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
This lender has an address on their website where payments are to be sent. I 've sent in payments via certified mail and although the lender has received the payments, they will not post them to my account. Their " payment '' mail box is either unmonitored or they are deliberately holding payments in order to collect fees. I 've attempted to call the customer service number to discuss the matter, however regardless of the time or day, the recording always indicates that I have reached them after hours. I have additionally attempted to reach them via the email link on their website, which does not function. 

I sent my payment in and the lender received it. I believe that they have a responsibility to post payments the day they are received. At this point my payment is delinquent because of their failure to act appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Arbor Residential Mortgage LLC
State: IL

Complaint narrative:
I 've tried numerous times to sell my house via a short-sale and the bank has n't responded. Next, the mortgage company that handled my mortgage was bought out by Seneca Mortgage Company. While working with a HUD Housing Agency, Seneca Mortgage Company was giving the HUD Housing Agency the run around. I believe my house has went into foreclosure. What are my options?

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 2016-07-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Round Point Mortgage Servicing ( RMP ) has held the final funds submitted to us for a XXXX claim with our XXXX XXXX XXXX XXXX company XXXX that took place in XXXX 2016 and we received in XXXX 2016. They have also been holding funds due to the company that provided mitigation services. We have provided everything they 've asked us for and each time we send in the requested information, something new is added by RMP as an additional requirement. 

On 3 occasions, since XXXX 2016, we 've been told that funds would be disbursed to us within a week. They never return calls or send correspondence noting or identifying needs but each time we ask why no funds as promised, something is added as an unmet " requirement. '' RMP even went as far as almost doubling our claim amount and adding requirements that are for the higher amount, though grossly in error. 

The most recent interactions we have has been in direct communication with the Social Media Manager who responded to a XXXX review I made expressing concerns. XXXX XXXX promised to get the issues resolved and told us on XXXX that funds were to be disbursed but we have not received a date for when the check would print nor an estimated date. When we check our account online it only reflects partial payment pending disbursement to the service provider that has not been paid. There is nothing even pending for the funds due to us personally, despite the fact that such has been promised by 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 2015-06-19 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: TX

Complaint narrative:
I believe the debt not to be mine as the apartment manager claimed I could move out and as long as they re-rented the apartment there would no problem. I know they quickly re-rented it. Yet they are trying to collect {$3000.00} on damages? How do they come up with that number. They say after insurance I owe {$750.00}. Plus a XXXX collection for {$3900.00}. Its all fee 's. 
I was medically ordered to move from the location, I have a doctors note as well as my personal statement attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ProCollect, Inc.
State: AK

Complaint narrative:
This man was talking over me and I was asking for general information about the debt that he is trying to collect. XXXX XXXX from ProCollect

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 2016-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Arbor Residential Mortgage LLC
State: CA

Complaint narrative:
1. Did not receive notice of the sale of loan to XXXX, from XXXX XXXX. 
2. Original Loan agreement did not stay in tacked when my loan was sold to XXXX. 
3. My loan changed to also include tax and insurance, which was not part of my original loan agreement. 
4. Incurred late fees due to the above 3 issues. 
5. XXXX sold my loan to Seneca. 
6. Paid to the incurred late fees, because I was unable to get them to honor my original loan. 
7. They said my loan was modified by XXXX XXXX, which I did not. 
8. Could not get the modified documents from XXXX. 
9. Even though I paid the incurred late fees, I 'm being bill a Corporate Advance Balance Fee, which never gets paid down. 
10. Seneca has of today has not given me itemized detail of the Corporate Advance Balance Fees. 
11. Because of the above I can not get my loan refinanced. 
12 Each time have called they say they will research and get back to me or send me the information, but I do not get a call back or the information I requested. And the info they do send does not make sense. 
I have been unable to attain or find a lawyer that understands this situation or even knows what the Corporate Advance Balance, response have heard of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
They have not communicated directly with us, with proof that they actually hold the debt, what the current balance is, and how to pay it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: KEYCORP
State: NY

Complaint narrative:
i recently applied for a mortgage with key bank. i went thru the process sending all necessary supporting documents such as XXXX forms for XXXX years and recent paystubs. they contacted me and stated that they survey report came in lower than they expected so they were cancelling the loan,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP
State: OR

Complaint narrative:
My bank charged my account an overdraft fee, which I believe I did. But they are saying on the same day, I incurred another overdraft fee on another purchase. But I did not. I was constantly checking my account that day as I was XXXX shopping online, and it kept showing what purchases had cleared my account. One showed cleared on the XXXX, but was not processed through them till the XXXX, so in fact, they held the process, that had already showed cleared my bank, and posted it at the moment my bank was overdrafted-which of course caused another overdraft fee. I immediately deposited enough to cover the fees my bank charged me. So yesterday my account showed positive XXXX dollars, and this morning it shows they processed another item to show the process date-again at the time I was overdrafted. It is like they chose the exact time, I was overdraft to process XXXX items, when I saw those items had cleared days before, now it shows those same items clearing on the exact date I overdrafted by XXXX dollars. So that XXXX dollars has now costs me XXXX overdraft fees of XXXX {$110.00}, for one overdraft. My complaint is, I did not make further purchases starting on the XXXX, until I saw they came through my acccount. So it comes through my account, but then they formally process it at the time I was overdrafted. I can not believe they can do this. yesterday I looked at my account and saw a XXXX purchase was posted on the XXXX. Now that same purchase has a post date of the XXXX. I put XXXX dollars in my account on the XXXX to cover my overdraft. They posted that same purchase again posted on the XXXX, the day I overdrafted, which gave them the right to charge me a fee again. They are clearing things one day, then moving it and posting it another day to suit them. I check my account everyday. Yesterday I was positive, this morning I have another overdraft fee????? Because they again moved another post date.of purchases. I asked them to remove the last fee, as it absolutely was not overdrafted, they told me they could only remove one fee a year. What??? The fee they charged last time, was also their fault. Can they keep clearing and then re-posting purchases to cause overdraft fees, and then say, well sorry we have already removed one this year. I am a single mom, and every penny is important to me, and now they have made an XXXX dollar mistake, into XXXX cost to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
Hello im currently an account holder for TCF BANK. ON FRIDAY XXXX XXXX 2016 I WENT TO AN ATM MACHINE TO WITHDRAWA FUNDS FROM MY ACCOUNT BY THE FUNDS NEVER CAME OUT OF THE ATM BUT FUNDS WERE TOOKEN FROM MY ACCOUNT AND ON TOP OF THAT TCF BANK HIT ME WITH AN OVERDRAFT FEE OF XXXX DOLLARS. I CLEARLY HAVE TOLD TCF BANK SEVERAL TIMES THAT I NEED MY MONEY BACK BECAUSE THATS MY RENT MONEY. AND EVERYDAY THAT I AM LATE ON MY RENT IM GETTING CHARGED XXXX DOLLARS A DAY. I was assured on XXXX XXXX 2016 that my funds will be back into my account on XXXX XXXX 2016 by XXXX. I have called tcf bank several times to ask them why have n't they put my provisional credit back into my account and all they are saying that its not their fault that i went to another atm thats not dmtheirs. And that i have to wait 10 business days before i get an answer. Thats not fair to me or any other card holders. I want to file a class action lawsuit against tcf bank. My rent have never been late up until this has happened. Please help because something has to be done with tcf bank. And they need to pay these late charges and fees plus give me back my money. And that 's all i want them to do. They could have simply avoided any lawsuits but they have choosen not to do the right thing. At this point im looking for lawyers to assist me in this matter on filing a class action lawsuit against this bank. Im closing down my checking and savings account. And after this is over i want nothing else to do with tcf bank ever again in life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
My bank, TCF, was robbed by a digital fraudster, and now the bank has taken it upon themselves to deprive me of my deposits until they see fit. I want my deposits back on demand, as per the function of a bank, and I would also like {$34.00} for each cent they have stolen from me, for each day that I have been deprived of my funds, as this is the fee structure in my agreement with the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
I purchased a service from them for XXXX, it did not work. I requested my money be returned. The wrong amount of money was credited to my account {$500.00} to much I was to send the excess back to them. Which I did by Western Union, tracking Number available. The amount that was returned my account was no longer in my account. This happened two more times. Their excuse was that I had used Western Union and should have used XXXX XXXX. I did used XXXX the last two times. So I have sent a total of XXXX dollar to them and the {$890.00} that was originally charger to accredit cardis being disupted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: CA

Complaint narrative:
In the beginning of 2016 my escrow balance was up, I was out of the country and did n't receive notification then in XXXX I did pay at time, the same amount of money of every month, in XXXX I received a statement that my payment was n't applied and my fee for late payment was {$190.00} This is a predatory and unjust way to make business and going against the consumer.

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