vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: First Credit Services Inc.
State: PA

Complaint narrative:
I am a minor. Years ago, I signed up for a gym membership, without knowing all my options. The Gym is called XXXX XXXX. I quickly realized that I did not need a full year contract. After using the gym for no more than XXXX months, I proceeded to cancel it. Being given different information by different reps over at XXXX XXXX, they prolonged the process, telling e to wait months. And each month came and they would give me another excuse. They asked for proof of me being a minor and then told me that it was n't enough. After months of a wild goose chase, I called my parent 's credit card company. They told me to not worry about it. I told them about the whole situation and how saw that others on the internet have also complained. They stop the charges and filed a complaint with the XXXX. We never heard about my membership since. All the online reviews seem to point toward exploitation of minors. 
Now, within the last few days, First Credit Service have been nonstop calling my parents about this. Due to my parent 's XXXX, the rep asked for " authorization '' to speak to me, the minor. I called them and asked about it. The numbers do n't add up to my original plan. They stated that it was for XXXX months. This added up to XXXX dollars. I told them information about which they seem to have no idea about the situation. They say that I need to file a dispute about a balance that I thought stopped. They asked me questions about my family. It seemed like they were just trying to collect information. They seem to exploit fears I told them about thing becoming litigious. Also, a bad credit score. I 'm turning XXXX. And they told me that they were on my side. " call me a friend, '' they said. That 's when I realize how similar it was to a cliche scene of good cop, bad cop. It was a very manipulative conversation. Although they said stuff, a lot of stuff sounded open ended. They also told me that my dispute will take months and that it was not likely to go through. I asked about how it was going to be investigated. They told me that they will decide and I was baffled. It 's like saying that the procedure is for me to say what happened, then they say what happened, and then they decide who is right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (FL)
State: PA

Complaint narrative:
The company that 's handling this specific debt, AR Resources, says that I owe money on XXXX different accounts with them. Upon the evaluation of my XXXX credit report, I found out that they 've still continued to list this debt TWICE, and have never corrected the issue. XXXX account was listed since XXXX XXXX, and the other since XXXX XXXX. To date, they 've never come forward to explain themselves and their error in judgement. This may have caused my credit to be rated more poorly, as well as other related issues.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Global Credit & Collection Corporation
State: MI

Complaint narrative:
debating onI received a phone call from a company calling themselves global collections services with a return number of XXXX threatening me to take me to court on a payday loan of {$350.00} made in XX/XX/XXXX that I did n't pay back. I never made a payday loan on the month in question. When debating on what to do it just so happened my mail carrier had a package for me to sign for he asked me what I was up too I explained to him that I received this phone call stating I owed {$350.00} for a payday loan that I never made and that I was being threatened to be taken to court. He informed me he also got a call similar and that he was going to call them back after work today ( XX/XX/XXXX ) after checking out this company and complaints I called the FBI and they told my to call the FTC and I was connected to the CFPB to report fraud activity and whoever they are they seem to be targeting the XXXX area in XXXX Michigan. How can I stop these activities and is there any legal actions that I can take? I am a XXXX year old man and calls like this made me very nervous and upset. I can only imagine what it could do to other senior citizens who are n't as alert to scams like these. I read of the complaints that were publicized that many senior citizens were threatened to lose there homes. bank accounts etc. And lost thousands of dollars due to scams such as this!

Company response to consumer: Closed
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Credit & Collection Corporation
State: NY

Complaint narrative:
Global credit and collection group XXXX has not stopped calling for over 6 months even though I have repeatedly told them I am not the one whose debt they are trying to collect. I received a new number from XXXX and have repeatedly told them I will do whatever it takes to get my name off the list. Every single time they either hang up when they realize I am not the person looking for or they quickly say ok sir we will take you off, good bye. They will not put me on the phone with a supervisor and I am left with over XXXX missed calls a day on average, a few times they have even called past XXXX at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
I defaulted on a loan with XXXX. The loan was sold to a collection company ( agent ) I made a payoff agreement with the agent of XXXX to payoff for removal. One the debt was paid off XXXX placed the debt back on my credit as a paid off collection and will not remove it as per the agreement with it 's agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I was put into forbearance without proper notification, which is now costing me over {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Financial Assistance Inc
State: AL

Complaint narrative:
This agent called and did not mention a name of person attempting to contact. This agent did not disclose any information, beside their personal name and office phone number. Failed to disclose that any information obtained would be used in debt collection, also failed to disclose that the communication was an attempt to collect a debt. The agent left two voice mails, with their name and number, without any other information disclosed. I have saved these messages. Returned the call, agent asked was I XXXX, then transferred my call, when I asked was she a debt collector, she confirmed she was a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Arbor Residential Mortgage LLC
State: OH

Complaint narrative:
seneca this mortgage servicing is on my credit report, It belong to my hubsand who is decease. so they put it on my report. my name was not on this mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I wanted to refinance my current mortgage that is currently over 6 % and I am paying mostly interest to a current more reasonable rate. The vendor that currently has my mortgage is XXXX XXXX XXXX ( TCF XXXX XXXX ) bank. I was working with the Branch Leading Manager, XXXX XXXX I was being bullied so I chose to cancel the process and pursue another strategy during the negotiation process. They chose to publish that my " Value or Type of Collateral not Sufficient '' and " Income - Excessive Obligations in Relation to Income ''. I asked to change the wording to be more truthful but they refused. I contacted the MN Attorney General office and they were able to get them to send me a letter, but still refused to change to document, which is available to thousands of people. Also it may be available to other creditors. Basically I would like it to be truthful. I have an excellent credit rating of over XXXX and I have never missed a mortgage payment. I think they are trying to keep me for going to another vendor by publishing a bad report. 

I do n't feel I should be the victim of this behavior and I am concerned that they have abused others who are more vulnerable. 
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: UT

Complaint narrative:
Prior to XX/XX/XXXX, I had a {$200000.00} line of credit with Key Bank. In addition to my line of credit, I also had a checking account with Key. On XX/XX/XXXX, I paid off my line of credit and closed my checking account. I did this in person, and received the cash from the closure of my checking account. In XX/XX/XXXX, I received a notice from Key Bank indicating that I owed them {$150.00}, and that my failure to pay them resulted in them " charging off '' my account. I immediately went into a Key branch to discuss the matter with a bank XXXX. During this meeting, the XXXX told me that my account had been " automatically reopened '' and in doing so, several fees were charged to my account in the amount of {$150.00}. I expressed my anger at how an account could automatically be reopened without my authorization, and the XXXX assured me this would not be reported to anyone, and would not impact my credit. I requested a letter from the XXXX indicating that my account was reopened without my authorization, and that this was an invalid debt. The XXXX said he would send me a letter over email. I did not receive an email, so I was forced to reach out to the XXXX several more times. I finally received an email from the branch XXXX stating that I had an account, it was reopened, had incurred fees, and that Key would send a check " on [ my ] behalf '' to satisfy the account. I wrote back indicating that was insufficient since his email was written in a manner that refused to accept responsibility, and also refused to state that my account was reopened without my consent. I emailed again requesting specific information, and would not get a response. I finally did receive a response from the XXXX indicating that he would not provide me with a letter stating that Key did anything wrong, and then provided me with the phone number to Key Bank 's legal department. 
Upon receiving this, I contacted the regional XXXX via email and explained my situation. He wrote back saying that he would look into it, and get back to me at the beginning of the week ( XX/XX/XXXX ). I have not heard from the regional XXXX, and he has not responded to my emails. 
My account has now been reported to XXXX, and I am spending an extreme amount of personal time trying to find resolve. Key Bank refuses to assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
My ex husband purchased a boat, but it was done as a joint loan acount in XXXX when we were still married. We divorced in XX/XX/XXXX and divorce papers stipulate ex husband was keeping the boat and the loan attached to it. I moved and had no possession of or contact with the boat again. However, his credit was not good enough and he was unable to ever refinance it into his name and remove my name from the loan. He then stopped paying on the boat loan with XXXX XXXX XXXX XXXX and had the boat repossessed by them. They sold the boat to someone else but at a loss over how much the exhusband still owed. They then listed the amount of their loss on my credit report as a derogatory account and amount still owed them. The ex husband then filed bankruptcy and had it removed/discharged from his record. However, they then sent ME to collections for their lost money ( over a boat I never had ). 

The collections information is below, States Recovery from XXXX XXXX XXXX XXXX. I received a letter from States Recovery and I sent them in copies of my divorce papers showing the debt did not belong to me, requesting it get removed. However it has remained on my credit report. Initially it was {$18000.00}. A few months ago they increased it to {$23000.00}, not sure why. I do not believe in bankruptcy and do not want a bankruptcy on my record. I do not want to have to file bankruptcy over a collection item that clearly does not belong to me.They repossessed the boat and got their property back. They discharged the debt in court when the Ex filed bankruptcy on it. There is absolutely no reason their " loss '' should still be causing me credit problems 8 years later. 

STS RCVRYXXXX XXXX XXXX XXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXXCollection Agency STS RCVRYOriginal Creditor XXXXStatus OpenOpened Date XXXX XXXX, XXXX Date -- Responsibility Individual Account. 
Balance $ XXXX Balance $ XXXX Consumer disputes this account information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc.
State: TX

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2015 Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by 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 2016-03-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: KEYCORP
State: PA

Complaint narrative:
My private loans will not work with me during my economic hardship. I currently am on government assistance and gross $ XXXX/month. My rent alone is $ XXXX/month. I can not make payments on my student loans with this amount of debt, and they will not help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
A former servicer failed to respond to a timely Request for Information and Notice of Error concerning improper handling of a modification application and transfer. 
On XXXX XXXX, XXXX, Roundpoint Mortgage Servicing Corp. received the borrower 's RFI and NOE according to USPS tracking of the certified mailing. An acknowledgement notice was sent by Roundpoint on XXXX XXXX, XXXX indicating receipt of the RFI/NOE on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Roundpoint issued an extension notice until XXXX XXXX, XXXX for its response. ( While the XXXX XXXX notice was in the mail, the borrowers sent a NOE on XXXX XXXX complaining about the failure to reply to the RFI/NOE. ) No response to the original RFI/NOE has been received and it is 8 days after the XXXX XXXX deadline. No response to the XXXX XXXX XXXX has been received. 
The original RFI seeks a copy of the loan transfer schedule that Roundpoint made when it transfered servicing of the loan in XXXX XXXX to XXXX XXXX XXXX. The RFI also requests other documents relating to the transfer of the borrowers ' loan. 
The original NOE concerns the possible failure of Roundpoint to list the borrowers ' loan as a HAMP eligible loan at the time of transfer. The borrowers had submitted a HAMP modification application to Roundpoint prior to the transfer and had not received notice of eligibility or ineligibility for HAMP. The NOE requested that Roundpoint correct for this error by amending the loan transfer schedule to list the borrowers ' loan as a HAMP eligible loan. 
Prior to the RFI/NOE, the borrowers had made a request to XXXX XXXX for a HAMP Modification, but XXXX denied the request because the loan was not listed as HAMP eligible at transfer and XXXX is not a HAMP participant. The borrowers desire a HAMP modification to preserve homeownership for a property that they have lived in with their family for 31 years.

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 2015-04-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: States Recovery Systems, Inc.
State: WA

Complaint narrative:
I 've already spoken to them once on my cell phone, now they are calling repeatedly on my work phone which is a privately owned business. If they keep calling, I will be fired! I 've told him not to call anymore!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: CT

Complaint narrative:
I closed my bank account last week. I thought everything cleared, but did n't realize my car insurance had n't come out and even though I closed the account ( or so I thought ) the payment tried to pull. I got charged a NSF fee of {$38.00}. Another payment that was NOT authorized by us to come out was paid by the bank EVEN THOUGH I CLOSED THE ACCOUNT. That was ANOTHER {$38.00} charge. Now I 'm told that even though they are REFUSING to pay the car insurance bill, they are STILL going to charge the two overdraft fees that will come about from XXXX trying to withdraw. I called to speak to the branch manager but got someone else. She was going to supposedly talk to them about reversing the fees and NEVER called back. I was also informed today that even though I closed the account and SIGNED to close the account, it has to stay open for SEVEN days. I WAS NOT INFORMED OF THIS WHEN I CLOSED THE ACCOUNT. I had no idea it was even open still!!! Since when do bank accounts stay open after you close them? WHY did n't they just reject the payment?? KEYBANK is rip off. The customer service is terrible. I 've never had this issue with a bank in all my years. If an account is closed, it should be CLOSED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing about Chase bank 's refusal to return {$1500.00} that was deposited by me into an Overdraft Protection Account in XXXX of XXXX. They are now closing all overdraft accounts and state that they do n't have records from XXXX, and that if I ca n't prove that I deposited the money, they do n't have to pay it to me. In XXXX, the only way to have an overdraft protection account was to deposit money into the account. The original transaction was with XXXX bank which was bought by Washington Mutual in XXXX, and WaMu was bought by Chase in XXXX. 
Around XXXX, I asked Chase bank teller ( XXXX ) to close my overdraft account so that I could have the {$1500.00} available to use. She told me that I should not do so, " because you cant get accounts like this anymore ''. 
In XXXX XXXX, I went in to speak with Chase branch manager ( XXXX ) about closing the account and getting the funds transferred back to my checking account. The younger staff were not familiar with this old version of the overdraft account as the newer versions were unsecured lines of credit. Teller XXXX was able to verify that, indeed, the older account that I have was established by depositing funds into the account. After making some calls, XXXX stated that Chase does not keep records past 7 years. After making a complaint to Chase bank, I received a call from XXXX, Chase home office investigator, on XXXX XXXX, XXXX at XXXX. He stated that on XXXX/XXXX/XXXX my account was converted and a {$1500.00} hold was removed from my account. I told him that that did not make any sense as there was never a hold or conversion notification. He stated that he did not believe that I put {$1500.00} into the overdraft account and that since I can not prove that I did, I have no further appeal rights through Chase bank.

Company response to consumer: Closed with explanation