vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-28 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: NY

Complaint narrative:
I was contacted by Procollect collection agency about an apartment i rented in 2013. during that time i gave a 45 day notice i would be breaking the lease and paid an % XXXX Re-Letting fee. a couple weeks later the apartment i was renting was rented to another person. a month after that my account was reported to collections even though they stated after the apartment was re-rented the only penalty i would pay was the re-letting fee i had already paid. i have contacted the collection agency XXXX asking for verification of the debt both times they told me the would e-mail it and mail it through the post office. Neither time did i receive any verification of the debt. i sent them proof of my 45 day notice of me breaking the lease and the money i paid for the re-letting fee. They then told me they would subtract the re-letting fee i paid from the principle debt. which they never did. and i still have no verification of this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: GFS, Inc.
State: FL

Complaint narrative:
Collections Agencies continues calling my work, after I requested not to call my work. The debt is not mine. They have yet to send written proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
Round point mortgage servicing company have refused to provide information concerning the terms that was signed on property XXXX XXXX XXXX XXXX Louisiana XXXX they have applied all payments made has been held back as though we are n't making payments. I HAVE ALL DOCUMENTS FROM ATTORNEY OFFICE, HUD CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Valentine and Kebartas, Inc.
State: LA

Complaint narrative:
I recieve atleast XXXX calls and voice message alerts everyday from this agency to collect a debt for a cell phone bill. Even after I speak with an Agent I still receieve calls all day long. When I ask the agency they say that its their automated system. They say the automated systems calls XXXX times a day. The agency calls me from many different numbers some of which include XXXX, XXXX, XXXX, XXXX ... etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP
State: NY

Complaint narrative:
Attached is a letter I wrote to Key Bank CEO XXXX XXXX. I ask the regulators reviewing this complaint to review the represented facts for statutory and regulatory violations of Key Bank 's representatives. Given the communication requirement of the Wall Street Reform and Consumer Protection Act, I expect a response from XXXX XXXX to what appears to me to be multiple violations of the Wall Street Reform and Consumer Protection Act and the prohibition against Unfair or Deceptive Acts or Practices, 15 U.S.C. 45 ( a ) and New York State XXXX XXXX of a number of Key Bank 's employees. I am hoping XXXX XXXX will step up and rectify this situation, so that we can mediate a workout agreement with an empowered Key Bank representative. This complaint is identical to XXXX ; I am including as the supporting document, " Later version of Word Letter to CEO XXXX XXXX, '' a later version of Word document of the letter. Because CFPB 's system does not allow the uploading of additional documents after the initial submission, I am making a new complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Valentine and Kebartas, Inc.
State: VA

Complaint narrative:
Various people calling three to XXXX times a week and asking to speak with me. They then have proceeded to tell the person answering the phone that he was trying to " verify my employment '', " verify my date of birth '', and " verify my social security number '' asking for this person to give it to him. He has also stated that they are going to " garnish my wages XXXX % ''. I am also receiving phone calls on my cell phone 3-5 times a week. He leaves the company name of Valentine & Kabartas but calls from a local phone number.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 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.

Complaint narrative:
I am an XXXX. I tried to rent a place 2 years ago, close to the University XXXX. At that time I had never been in campus, so I asked the receptionst for advise about how close was the apartment complex to the XXXX of the University XXXX. They said that they were XXXX min. walking to the XXXX. 
They immediately they asked for my information, my social security number, etc ... and sent me the contract to fill it outt. I never signed the contract in their offices. 

I never did it, because when I arrived to XXXX XXXX Michigan and discovered they did lie to me, I asked to cancel the contract and they did it by word. The manager told me that they were so sorry and that they understood that they were not that close to the university. 

Everything went well, they have my email address. 
They never contacted me again. On XXXX XXXX, I received a letter from ProCollect with a debt of XXXX dls. 

I do not recognize this debt because I never lived in XXXX XXXX, and I never signed a contract in person in their office. 

Now this is affecting my credit score. I have't had any problems with my credit scores before, I always pay my debts when I know I owe money but they never tried to contact me during this 2 years and now they are just affecting me. 

The manager at that time told me that I was fine. I do not have any other documents from them telling me that I owe money. 

So I do not recognize this debt, since the manager canceled it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 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:
I paid my overdraft accout about a year ago amd it is still on my credit scores as unpaid. 
I called before and they said they took care of it. I just need this to be on file and out of my credit scores.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: ME

Complaint narrative:
I had previously filed a complaint against Key Bank and now it seems as if they are retaliating against me by charging ridiculous fees. I have disputed their response of that complaint with the details. However, THIS complaint is to get my {$40.00} back for their Rewards Program Annual Fee that I paid since I will not be banking with them DUE TO THEIR OWN ACTIONS and can not therefore benefit from the Rewards Program any further because I am closing my account within the next week or so when I have time to get there and do so. I have already cancelled my direct deposit and now just have to check out some other financial institutions to see where I wish to bank. 
So, the {$40.00} they charged me for their Rewards Program Annual Fee should be returned because DUE TO THEIR ACTIONS I will not be able to " cash-in '' on my rewards points since I will be closing my account soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: INTERNATIONAL CITY MORTGAGE
State: CA

Complaint narrative:
On XXXX XXXX, 2015 at the signing of loan docs, I was given a final closing disclosure to sign by International City Mortgage which indicated the total cash at closing for my total down payment would be {$13000.00} ( which included my XXXX initial down payment, a {$4000.00} gift from my uncle and and IRS debt I needed to pay ). I told them this amount was not correct that it should not be more than {$13000.00} ( My total Down payment ( which included my XXXX initial down payment and a {$4000.00} gift from my uncle ) plus my IRS debt ). I was told that a clerical error was made on the closing disclosure and it would be fixed the following morning. I was also told that to avoid any issues that I should deposit {$11000.00} ( which would be added to my {$2000.00} initial down payment ) to make sure that we had enough money at closing and any anything above the {$13000.00} would be refunded back after closing. The following morning XXXX {$11000.00} ( {$7800.00} from myself and {$4000.00} gift from my uncle ) was wired into escrow They also sent a new closing disclosure for me to sign which indicates on {$12000.00} in cash needed to close and indicated there were several adjustments made and this amount was final and would not go up. The next morning XXXX I found out my uncle sent money from the wrong account so he wired an additional {$4000.00} into escrow ( Now there is {$15000.00} total in the escrow account ). On XXXX/XXXX/15 the day of closing approx 1 hr before funding is cut off they send another disclosure for me to sign which indicates only {$10000.00} in cash needed to close, I asked were they sure and that anything brought in above this will be refunded and I was told yes, so I signed it and sent it back. My loan closed and refunds were issued on XXXX and all they returned of the {$15000.00} was {$4000.00} ( {$4000.00} for the additional gift my uncle wired plus the wiring fee of {$59.00} ). I was total by the escrow company that there were no additional refunds. I immediately went to ICM and was told by the branch manager that I would receive a refund check ... I have made several attempts to resolve the issue ... but my calls from the branch manager and or the corporate office have not been returned. I have been in contact with a loan assistant but he has no answers for me. I feel they preyed on me and deceived me. I not sure how many people they have done this to but they must be stopped and someone should look into their practices. I need direction on how to get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I spoke to Roundpoint Mortgage Service about the procedure for making a principal curtailment payment and recasting my mortgage in XXXX 2015. I was told that I should submit my regular monthly payment, then a curtailment payment, then send a request to the servicing help email address requesting a recast. I was informed the processing would occur within XXXX days and that I would be contacted for any further information and given documentation with new loan terms to accept. I submitted a curtailment payment of {$44000.00} on XXXX XXXX. Despite numerous phone conversations and emails, Roundpoint has not to my knowledge taken any steps to complete the recast of the mortgage, including informing me of any further information needed to complete the recast as explained to me prior to making the curtailment payment ( I opted to pursue a recast instead of refinancing the property based on the representations of the Roundpoint representatives ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: CA

Complaint narrative:
It is about Escrow balance last year. I moved in to my new house XXXX/XXXX/2016, the escrow that they hold was about {$9000.00} to pay for Home insurance and property tax. The XXXX tax that they pay was only {$500.00} and Homeowner insurance is only {$810.00} dollars. They send me analysis that I have big balance and it is going to be refunded to me by XXXX. It is now middle of XXXX, I still did n't received the money. I called and send several emails, they said it is process and takes 7-10 business days. I am getting no where with Seneca Mortgage Company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
GLA Collection agency has established XXXX consumer accounts, XXXX being reported to credit bureaus. This is in violation of the FDCPA and the FCRA statutes. 

Section 808 of the statute describes what would be considered unfair practices employed in the course of attempting to collect a purported debt. It begins by saying that the limitations described in the following section do not limit the object of the statute, that means that even though the debt collector might not haveviolated the literal language of a particular provision, if it can be shown that the particular collection practice was unfair or unconscionable, then it will be considered a violation of the Act. 

It further states that the debt collector can not collect any amount of money that is not permitted by law or by the agreement. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained. 

The purported contract or agreement falls within a class of contracts or agreements required to be in writing. The purported contract or agreement alleged in the collection action is not in writing and signed by defendant or by some other person authorized by defendant and who was to answer for the debt, default, or miscarriage of another person. 

Since there is no consumer relationship between the collection agency and myself, the collection activity as well as the reporting of an actual account or accounts on behalf of the collection agency are unconscionable and illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
RoundPoint Mortgage Servicing Corp. keeps charging us for flood insurance that we do n't need. We have adequate flood insurance and have provided documentation to them numerous times. They assure us that they have the information, and then we get a bill for flood insurance that they have purchased for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Property was sold on XXXX XXXX, 2015. Mortgage servicing company ( Roundpoint ) received full payoff amount on XXXX XXXX, 2015. As of XXXX XXXX, 2015 I have not received the {$2700.00} in escrow funds that should have been released immediately when the mortgage was paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SCA Collections, Inc.
State: CA

Complaint narrative:
A Collection was posted on my credit report for a medical debt that I do not owe ; I received a medical treatment from XXXX XXXX XXXX XXXX XXXX which was to be fully covered by my insurance. Several months later, SCA Collections sent the first and only notice of a medical bill due along with a threat to file a Collection on my credit report. I contacted the the medical group and corrected an error in their billing records 6 weeks ago and was told the item would be resubmitted for payment to the insurance company. I received no further notice until I was notified that a collection was posted on my credit report. This is the second time that XXXX XXXX XXXX XXXX XXXX submitted this covered expense to SCA collections with no notice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Funds were transferred from XXXX account to Capital One 360checking account, The funds have been frozen. Security said banking regulations have been broken so the account will be closed. It was then also stated that XXXX asked them to hold the money until their own investigation is finished. XXXX said there is no such thing even if they had wanted to do so. I am still trying to get the reason for the hold in writing. 
Latest developement : After an hour on hold today, the same implausible story was repeated along with a flat refusal to put anything in writing. Is it really legal for them to hold thousands of dollars indefinitely?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP
State: CO

Complaint narrative:
Fraud and misrepresentation on behalf of KeyBank ; KeyBank last year filed erroneously and egregiously against me a Notice of Election and Demand on XXXX/XXXX/XXXX. KeyBank on XXXX/XXXX/XXXX sent to me a letter of apology and admitting to its errors in refusing payments, charging of late fees, attorney 's fees, etc., etc. KeyBank accepted in a full and final payment made by me to KeyBank 's attorney of record of an agreed to sum on XXXX/XXXX/XXXX and which brought the loan current. 

Nevertheless that negligence on the part of KeyBank caused me XXXX, cost an inordinate amount of time to address, attorney 's fees, filing fees, derogatory reporting to credit agencies resulting in damage to my credit, etc., etc. This is now occurring again! KeyBank is threating a foreclosure action and acceleration of the loan. Further, there are now reflected substantial late fees and attorney 's fees which I have no intention of paying whatsoever. Again, KeyBank / a large bank is strong-arming a small borrower with a seasoned payment record for over 11 years! And notwithstanding that the negligent party is KeyBank! 

I am now beyond upset. I am not attempting to make further payments only to be refused and until such time that KeyBank straightens out their accounting of my account and provides me with statements that are 100 % accurate. I am also filing appropriate complaints with the appropriate agencies and discussing with my legal counsel formal actions against KeyBank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
On XXXX XXXX 2015 I sent Quality Asset Recovery a letter asking them to VALIDATE not VERIFY the debt they are attempting to collect from me. They have also reported this debt to the XXXX credit bureaus without my consent or awareness. I am very upset that they have tarnished my credit with this outrageous claim that I owe them any money at all. They have prevented me from obtaining any future credit and all attempts to communicate with there very rude representatives over the phone have gone no where. They have violated my rights under the Fair Credit Reporting Act and have not even followed the Fair Debt Collection Practice Act which states they have to to stop all collection activity while the debt is being investigated and disputed. They have blatantly ignored my letter to them which I have attached as proof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: MicroBilt / PRBC (formerly CL Verify)
State: NC

Complaint narrative:
Microbilt- Re Inquiry I have tried working with my creditor in regards to an Inquiry. I have disputed Inquiries twice with the bureaus and extended the process two times, 30 days each time. The bureaus have sent letters to me saying to dispute it with my creditor. I have not had any responses from the creditor. My creditor has not responded to my letters. Therefore, I have reached an impasse with the creditor and need your help.

Company response to consumer: Closed
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
On XXXX XXXX, my employer, XXXX XXXX XXXX XXXX received a phone call by this number ( XXXX ) XXXX identifying themselves as Forster and Garbus in regards to a debt collection and informed an employee of the amount of debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated committed crime not paying
Company: Collins Asset Group, LLC
State: VA

Complaint narrative:
XX/XX/XXXX I was wrongfully foreclosed on and evicted from my home by XXXX mortgage. The loan was an XXXX and the primary was settled and XXXX attempted to collect on the second. XX/XX/XXXX, I was contacted by I believe the state who was conducting a class action lawsuit. I subsequently received XXXX insignificant settlement checks from this suit. In XX/XX/XXXX I was contacted by a collection agency attempting to collect on this debt. I explained the history and explained that given the circumstances, I had no intention of settling the debt. This issue continues to resurface and impact my credit.

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