vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI

Complaint narrative:
My name is XXXX XXXX and again this is a complaint against Bayview Mortgage Company. Bayview called my home owners insurance company which is ( XXXX ) and just decided they wanted to pay the balance of my insurance. I got a email from XXXX XXXX telling me that my home owners insurance had been paid in full and I know I did n't do it they take the money out of my check monthly and it is n't due until XXXX XXXX. XXXX XXXX told me they did n't know why Bayview had called them they did n't call Bayview nor did they send them any information stated that I was late or behind they thought it was strange but went on and gave Bayview my total balance which is XXXX. XXXX XXXX takes my home owners insurance out of my check monthly. XXXX XXXX told me that Bayview paid the balance on XX/XX/XXXX and that they had already taking my payment out for XX/XX/XXXX. Now Bayview already went up on my mortgage from {$470.00} to {$680.00} a month because they paid my property taxes which I was late and I understand that but not raising my mtg up that much. I am still in the process of fighting with them about this cause my check is only {$570.00} bi-weekly how do they think I can pay {$680.00}. I had explain to you prier that Bayview had put me in a escrow and that I had to make up the difference which was {$8100.00}. I got a letter from Bayview denying me to lower my mtg payment they said that I was bringing in {$3100.00} a month I had sent them the months of my check stub they requested and both of them together do n't total this amount. I called them to see where they came up with this figure and no one seems to know or even give me an answer they just keep switching me to different departments. I called Bayview and asked them why they called my insurance company and did this the man laughed and said oh we just thought you wanted this. I asked him why and I cant even pay what my mtg is now he did n't even have a answer for me again no one seems to know anything about why things are happening to me and my house. Please can you contact Bayview and request that they again stop calling my insurance company and to figure out why they do n't want me to stay in my home. I have never been late with a payment not even since they raised my mtg payment but I could only send them {$470.00} instead of {$680.00} for XX/XX/XXXX. Now since Bayview had paid my insurance in full now my next payment is going to be even higher why I just wan na know why are they doing this. My XXXX XXXX is high this is my only home I do n't want to get evicted I am doing the right thing my house is up to code I have never been late in any payments with anyone can your company please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Service LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis companys try to collect money from me, i dont have debt with this cmpanys they call me and sent letters form a medical bill

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: AK

Complaint narrative:
On Friday, XXXX XXXX, I scheduled a money transfer of {$450.00} through Western Union ( WU ) to my son in Oregon through the Wupay ( billpay ). On Monday, XXXX XXXX, money was sent by ACH from my bank account to WU. The money as advertised should arrive in 3 days on Wednesday, XXXX XXXX. The money did not arrive so I called WU. They said that they had n't received the money and to wait a few days but in the meantime they would escalate the transfer to research. I called at XXXX Friday, XXXX XXXX about the status and they said it was still not funded but it had been escalated and should just be a couple of hours. They left me a voice mail to provide them a confirmation number from my bank. I called back at XXXX, Friday, XXXX XXXX gave them the confirmation number and heard that the money still was not received but they assured me that it would be resolved because they resolve these within XXXX hours. I called them again on Saturday, XXXX XXXX because they said the money was still not received. The customer service supervisor launched a XXXX way call with my bank and got the ACH transfer code. I was on the phone with them for over 2 hours. As of today, Monday, XXXX XXXX, it appears they did receive the money on Monday, XXXX XXXX but my son still does not have access to the money. Here is the recent email : Dear XXXX, I hope all is well. 
Your payment was received on XXXX. We sought the assistance of our escalations team to allocate your payment to the order. We had a technical issue that was identified and in the process of fixing it. We will notify you once response is receive. We do apologize for the inconvenience. 
Should you require further assistance please do not hesitate to contact us. 
Best Regards, XXXX XXXX, Customer Care OperationsXXXX Regional Operations Center -- -Basically, they have had my money for over a week. It is ridiculous that they kept putting me off like it was not their responsibility to figure out and should be paying me interest on that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR

Complaint narrative:
Bayview Servicing LLC holds my XXXX mortgage ( ex-XXXX loan ) I am currently in chapter XXXX Bankruptcy, because I became behind on payments. My XXXX mortgage XXXX Bank sent me a letter stating the total amount was foregiven ( $ XXXX ) via the XXXX XXXX settlement, But Bayview is refusing to apply my XXXX primary loan ( $ XXXX ) to that DOJ settlement. As I read the settlement my XXXX mortgage should be included as it was a XXXX XXXX XXXX originated, And I still live in the House. my previous XXXX XXXX XXXX loan number # 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 2017-02-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc.
State: MS

Complaint narrative:
Pro Collect collection claim has been removed from my XXXX credit report because the account could not be verified, so instead they claimed the debt under Other Loans and reported late payments for the alleged debt.

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 2015-05-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LendUp Loans LLC
State: CA

Complaint narrative:
I borrowed {$200.00} for XXXX days and I paid off the loan in XXXX days. I was still charged XXXX days of interest! The loan amount for XXXX days was XXXX When I attempted to pay of the loan in XXXX days, I was charged the same amount of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Loan Servicers XXXX XXXX Bank and Bayview Loan Servicing XXXX did not provide adequate notice of loan changes and also misrepresented information in letters sent to us. XXXX XXXX Our loan was sold to XXXX XXXX and in the initial letter we were told to continue sending our payments to XXXX and same address. After sending payment a XXXX days later the payment was kicked back by XXXX. It was then we found out that Bayview was now servicing our loan. Bayview and XXXX both violated federal law by not notifying us in time of changes in our loan and payment information. XXXX XXXX Bayview Loan servicing did not provide the required XXXX day notice that our payment amount was changing due to the XXXX year ARM ending and rate reset. Also, another violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
We filed a compliant with CFPB re Bayview Loan, they responded to the compliant with a letter and a phone number to contact them, but after trying for 8 days a couple times a day the phone number does not work. That is a great idea, just never have a working phone number so no one can call and bother you ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: KEYCORP
State: FL

Complaint narrative:
I have been going through this dispute for an extensive period. Key Bank has this debt listed twice on my credit reports, KEYBANK NA account number XXXX .... 
and XXXX Account number XXXX .... I never signed or knew of this account until my dispute. XXXX is the party liable for the account. Key Bank requested a notarized letter from XXXX, I have submitted several times, in which I have attached with her acknowedgement that this Key Bank account belongs to her once again. Key Bank requested a signature from XXXX which I did not have. It is unreasonable to request documents from that time frame.My signature remains the same no matter what documents I have submitted. I searched and searched and located the copy of my XXXX mortgage which had my signature and I sent Key Bank and attaching again. I have previously provided other documents which has my same signature. The only other documents I have are the documents from my deceased spouse and son which is dated XXXX and XXXX which is extremely private. I have submitted my property appraiser document which even showed that I have lived at my current address almost 10 years, which is my XXXX and my prior address is the address on my XXXX mortgage information attached. The address on your application is n't mine. I am exhausted all options besides legal measures in which I have consulted a firm. This is unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I wrote XXXX a check for {$68.00} back on XXXX XXXX 2015. In XXXX they sent me a check for {$68.00}, which I never cashed or deposited. Then they had GLA collection company inc send me notice saying I owed them {$68.00}. I called GLA and told them I had a cancelled check showing that I had paid the bill and send them a copy of it. They then told me that even though I had paid them that they wanted me to cash the check they had sent me and write them another check. I told them I thought this was ridiculous and a waste of time. I did my part and now because they made a mistake they want me to waste my time. I fill like this is all because they do n't want to call the bank and pay {$25.00} to cancel the check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 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:
On XXXX XXXX, 2016, I ordered XXXX tickets to an event that was to be held on XXXX XXXX using my TCF Back debit card online through the Dinner Lab website -- no PIN used. I was charged {$180.00} for the transaction. 
On XXXX XXXX, 2016, I received an email from the XXXX XXXX that they were ceasing operations immediately. I responded to the email asking when I could expect credit for the purchase and received a reply of the same text that was sent saying they were out of business. 
I contacted TCF Bank by phone on XXXX XXXX to dispute the charge and was told they would contact the merchant. TCF Bank did n't ask for any of the messages sent or received from XXXX XXXX. 
I have followed up with TCF Bank several times by phone and was told repeatedly that the merchant had until XXXX XXXX, 2016 to respond to them, at which time they would make their determination as to a credit to my checking account. 
As of XXXX XXXX, 2016, I have not received any info from TCF 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 2016-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I had my mortgage with Roundpoint Mortgage. I am refinancing with another Lender. My New Lender is in a constant battle with Roundpoint about the closing costs. Roundpoint continually charges their XXXX based on old laws. My lender sites this " CFPB 's Ability to Repay and Qualified Mortgage Standards under TILA, servicers may only charge interest through the date the mortgage is paid. The change is effective for all FHA loans closed on or after XXXX XXXX, XXXX ''. 
so as you can tell my loan is an FHA loan. 
My loan Funded on XXXX XXXX, XXXX. The attachment called XXXX is attached showing payoff balance. 
On XXXX XXXX, XXXX XXXX XXXX emailed me that additional funds were needed to close the loan. That is the Second attachment XXXX. XXXX still holds to his position that Round point is not allowed to charge additional interest. Additional it is not just {$810.00}, Roundpoint has taken my Suspense Balance of {$1000.00}, So a total of {$1800.00}. After the close of loan. 

When I was on the phone with the Specialist from Roundpoint ( XXXX ) He stated that if this {$810.00} was not paid immediately to HIM after XXXX XXXX, XXXX. Round point would charge me another month of XXXX. Since It appeared to be a Robbery with my loan held hostage, I made the ACH payment while I was on the phone with XXXX. 

I will now try to get my money back, via the CFPB ( {$1800.00} ). The Final attachment are the details of my discussion with Roundpoint on this matter.

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 2016-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK
State: MD

Complaint narrative:
My bank paid out {$5000.00} to someone that I do not write my check for without contact me. I do not have {$5000.00} in the account. The bank left my account in negative of {$1300.00}. I contacted the bank when I found out, I filed police report. I called the bank several time. The case has been over 40 days the bank is not resolving the case. The name of the bank TCF Bank in Minnesota.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: KEYCORP
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2014, 60 days XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP
State: PA

Complaint narrative:
In XXXX 2016 I took an equity line loan from First Niagara Bank for {$200000.00}. The terms were for 20 years at 3.99 % interest. Later that year First Niagara bank was acquired by Key Bank XXXX XXXX Ohio. Thus Key Bank became my lender for my equity line. The terms were the same : 20 years at an interest rate at 3.99 % interest. Since I am on a fixed budget, and to make sure I can afford to loan, I amortized the loan. My monthly calculations came up with a monthly payment of {$1200.00}. ( Please see attached ). However the bank has never remotely approach that some and has overcharged me at least {$200.00} per month. ( Please see attached ) In an effort resolve this discrepancy I approached the branch manager on two occasions. His responses were totally unsatisfactory. He appeared not to understand my loan amortization calculations. I then approached a customer service representative at that branch and asked her to contact Key Bank headquarters to have someone call me to resolve this issue. She said she would get back to me in five days. After eight days I came to the branch and asked her if she contacted someone from Key Bank headquarters. She tell me she was unable to contact someone there but gave me the number to call myself. I then called Key Bank headquarters myself on at least six occasions with either a busy single or was left waiting for an average of a half hour with no one responding. Finally I managed to contact someone at Key Bank headquarters I explained the discrepancy in the loan amortization and said she would contact someone in the back to resolve this and would get back to me in five days. this was about a month ago and I am still waiting for an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 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:
Ive contacted this company NUMEROUS times over the past several months as well as XXXX recently as of XX/XX/2016 with no response or resolution still and it 's almost a year now to dispute this account. Ive requested for them to send me SIGNATURE verification that I signed for this proclaimed debt on NUMEROUS times only to receive a bill which does NOT prove this to be MY DEBT. This has went WAY past the 30 days limit to prove or delete and this company has done NEITHER even upon MANY MANY request from me for them to do so.

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 2015-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I bank at Citizens Bank. The Citizens Bank I use often to withdrawal funds as ATM issues on a regular basis causing me to have to use other ATM 's that are not Citizen Bank owned. In the last week and a half alone among other times throughout the month the ATM machine has been down or the bank was roped off due to a robbery causing the use of NON Citizens Bank ATM 's. I was charge a number of fees they consider 'Convenience Fees '. When I called the bank to discuss the fees and the reasons why I was charged them, they only agreed to reverse XXXX of them. It is not right to charge a consumer fees for something they are supposed to supply and are unable to for whatever reason. To call it a 'Convenience Fee ' when it is clearly not a convenience it not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Our Mortgage company Roundpoint has been over charging us on Mortgage insurance last year and now they are charging us more this year. My husband has been talking with them since XX/XX/XXXX and each time they say they will fix the problem and it is not fixed. We asked to speak to someone higher then the person on the phone and they state management will not talk to customers. We are very frustrated with this not being resolved. We do not know if this is an honest mistake and the phone people can not figure it out but if sounds very fishy that management will not talk to their customers. I do not know if this is an honest company but after speaking to XXXX people an not getting it resolved I think this company is doing this on purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect continues to harass me and defame my name by reporting a negative account that does not belong to me. I disputed this erroneous account and asked for them to send me some validation because I know this does not belong to me. They sent a paper with XXXX different names on it, neither belonging to me. This is a phantom account that they have bought and are now trying to place on me. I will not pay something I do not owe and I am exercising my rights by asking for a proper investigation. Their time is up and this erroneous file needs to be deleted and they need to be held accountable for breaking the law!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Unauthorized Inquiry

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