vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Patenaude & Felix A Professional Corporation
State: NV

Complaint narrative:
A settlement was made with this collection agency and a payment plan was agreed upon, payments were made according to schedule based on letters and phone calls made by the agency. Letters and calls stop arriving and the agency takes out a legal order to collect on an inflated balance. When contacting the bank, the bank states that the deal must be worked out with P & F, who then bully and lie stating they made calls and sent letters, none of which were registered mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I have paid these people over {$3000.00} on a XXXX acount they say I still owe them {$1500.00} ..I told them that I live on social security and can not pay the illegal usury interest rate of 1000 % .I am XXXX years old. this guy would not give me his name but he at XXXX XXXX. on XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 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: PA

Complaint narrative:
I received notices the past 2 year that my property taxes were not paid. I have an escrow my property taxes are to be paid out of. I called, faxed, and mailed the notices each time I received them and was assured by representatives my property taxes would be paid. My tax return shows property taxes paid from the lender but I received a tax lien notice of unpaid property taxes today that my property would be sold in 60 days if not resolved. I plan on paying the amount because I do not want to lose my house but I do not trust my lender to pay my property taxes now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
Called mortgage broker XXXX XXXX @ Impac Mortgage XXXX/XXXX/16 & requested he re-establish my escrow acct. He said he would. Called Cashcall XXXX/XXXX/16 XXXX am. Spoke to XXXX. She said she would set up escrow acct & have insurance agent send her the bill. Called Cashcall again on XXXX/XXXX/16 & spoke to XXXX. He apologized for XXXX not setting up escrow acct & said he would set it up & would expedite it thru his manager. Escrow acct still not set up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
My complaint is against XXXX XXXX XXXX and Round Point Mortgage. For the following reasons. We were approved and paid our trial period 3 years ago after the trial period was over and we paid on time we were told we have to resubmit our paperwork to be considered again. Since then we have faxed every piece of document they have asked for they either would let it expire or say they never received it. So we keep sending. XXXX XXXX XXXX has taken us to court at 7 times trying to take our home each time we appeared they knew that we in the process of a loan modification and were told a few times that we did not have to be there, but we were because we do n't trust them. The last few times we were pulled into court by them was because they said we did not appear for a court date and we did and pulled the paper work from the court to prove it. XXXX XXXX XXXX has since sold our mortgage to Round Point Mortgage servicing and we are having the same problems with them. They let our paperwork expire, I have the letters to prove it, they say they have not received it. I started emailing with an email receipt and have not received one as of yet. I have also been informed that I have a dedicated account manager, I have not talked to one since XXXX 2015.

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 2015-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I was in California for a summer program, and I got my account closed because I did not reply a letter with some security questions. 
But I check with the bank and this letter was returned to the bank, once I was not in XXXX, so I never had an opportunity to reply it. 
I called the bank and I ask to receive this letter and reopen my account on my new address in California, but the letter did not arrived. 
The only way I could get my money back, was to returning to XXXX. But I was studying in California so I could not come back. 
I am a XXXX student from XXXX, XXXX is in a huge crises and my family could not send me more money at that time. 
I got a lot of problems due this closed account, so I had to borrow money to stay there and finish my XXXX XXXX. 
Also I had to cancel a planned trip with my friends, it was very inconvenient and abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This debt has remained on my credit report for months after it was paid off. The collection agency responsible for removing this from my credit report has even written a letter stating they would take the debt off my report but as of yet they have not. I want this debt removed. I long ago paid exactly what these people asked for and they are still not removing the debt. I am tired of my credit suffering because of their inability to conduct business in a timely manner. The collection agency is Pro Collect in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Arbor Residential Mortgage LLC
State: NJ

Complaint narrative:
I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. The following account does not belong to me and should be removed from my credit report immediately. The company has any Signing the agreement or document to show I 'm responsible. 

SENECA MORTGAGE LLC Account # XXXX

Company response to consumer: Closed
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
The debt was properly billed to insurance and it appears on credit report more than two times.

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: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
This was a doctors visit that was paid in cash directly to the doctor himself. And I was the last patient of the day and his secretary was leaving he advised me since was a follow up visit I would n't need a receipt. I 've tried to explain to his office that if they would check the time of my arrival and appointment that day along with verifying with the Doctor surely he would remember and not attempt to take another {$40.00} from me which I do n't owe. But they were rude and refused to verify with him or allow me to talk with him directly. With all the time that has now passed the only way he could verify is to check the appointment day and see what time his office staff left against the time I was there to see if my story adds up. It 's only a principle here not the {$40.00} because this could be very profitable if it were a scam used on several unsuspecting clients whom just paid anyway. Besides the co-pay must be paid before you get to go back to see the doctor, which is more proof that I paid or are they trying to say not this one particular instance?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
Hello I have a credict card that I have always paid in time but when applied to others theaswer is negative by claiming a disgusting track record that is not true I found out about that account and it was a mistake that someone commited with my son 's XXXX account and now this messes up my record.This disgust me a lot and I want some one to fix this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
TFC Bank sent me a claim questionnaire form in regards to my previous complaint to the Consumer Financial Protection Bureau, please review CFPB Case # XXXX. I filed a claim for an unauthorized account opening claim in my name. I want TCF Bank to inform me on whether my claim was settled in my favor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In 2014 I pulled up my credit report to view it and seen there were XXXX addresses tied to my name and the were sending me debt collection bills. I immediately went to make a police report and stated that I had never lived in that city. I recieve harrassing calls from Pro Collect Inc., even after I have already sent in all my documentation showing proof that I never resided there.

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 2017-03-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK
State: FL

Complaint narrative:
I obtained a vehicle loan with Gateway One lending and Finance in XXXX of XXXX on a XXXX XXXX XXXX. The car was repossessed in XXXX of XXXX, however I did not receive information as far as the date of the auction, location, or the amount the car was purchased for. I was checking my credit report and notice I had an outstanding balance remaining on the account for {$22000.00}. I did not purchase the car new and had missed XXXX payments prior to repossession. I do not understand why the outstanding balance is so high or why I was not noticed of what the car was sold for. I also do not believe the balance listed on my credit report is accurate. I would like to see physical proof of what the lender received for the car, and the balance owed corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
We have been having issues, the same ones for years. 
We paid our escrow total and they misapplied the funds. 
we paid XXXX to principle and they misapplied the funds-AGAIN. 
We have tried to contact their ombudsman and she sent us to another person who will now not respond. sent a letter to the XXXX and the XXXX of XXXX NC. 
Please help. we are seniors and can not afford for them to take our money when we are try to pay off the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: TX

Complaint narrative:
XXXX was provided with my insurance and Texas XXXX contact information to pay all debts related to my assault in XX/XX/XXXX. 
The bills were paid even after XXXX mislead me and kept me in their facility without cause. 
XXXX paid full amounts with exception of a small amount in which case XXXX as well as all other providers were granted the information to send their claims to XXXX Services for payments. All other providers were paid. It was my assumption that XXXX would do as instructed and be paid by XXXX and XXXX for all amounts. I have requested my medical records and billing records on XXXX separate occasions over the last 2 years and provided copies of the protective orders as my information is concealed for security purposes. This month I now have a mark for collections from this provider with XXXX of the XXXX credit agencies. I 'm submitting a certified letter as will be copied to you requesting validation of this debt. I 'm also requesting full records from XXXX and XXXX Services. I do not believe these are monies are due and indeed should have been paid if they were due, by XXXX or XXXX. 
I am undergoing an extension with the no contact Protective Order with my attacker at this moment and have copied all such records to 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 2016-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: RoundPoint Mortgage Servicing LLC
State: UT

Complaint narrative:
The reality is that the intent of the Federal Loan Modification Program is to provide an alternative to foreclosure for millions of struggling homeowners. Furthermore, these homeowners are supposed to be able to secure a loan modification without the assistance of a competent advisor. 
Unfortunately, the lenders and servicers do not play by the rules. Consequently, average homeowners are taken advantage of and face the prospect of losing their homes by falling short of bank 's loan modification hoops. This is why there is a massive amount of litigation in the state and federal courts seeking relief for victimized homeowners. You need to work with specialists who know the programs and can make the lenders adhere to the federal laws and guidelines. I did not have this specialist when I started this loan. In letters from the servicers they state that they are proud to service your loan. We are committed to protecting the rights of our customers who are service members. 
I did not know all of the hoops there would be to go thru to obtain this type of a loan. Every time I called in for help or to have my questions answered I would get a different answer to my question. I was assigned to have this one person his title was a Legation Specialty to help me with my questions. I had another person who whose title was Customer Advocate specialist. I was told that if I had questions I was to call them. Every time I would call I could never get a hold them. I was told to leave a message and they would return my call. I never did hear back from them many times. 
At the beginning of the loan modification they told me I would have a four month trail to prove that I could make the payments of {$720.00} for four months. Starting date would be XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX would be the last payment of the trail period. It was not explained to me that I should have been making the full payment of {$840.00} for these four months. The difference between the payment {$720.00} and XXXX is {$110.00}. They claimed this as a missed payment and reported this to the credit bureau. This gives me a bad credit rating with XXXX, XXXX, XXXX. I would like to have my bad credit rating restored and disputed. They are telling me now that I have missed 3 months of payments and want late fees too. I have bank statements proving that the payments were made. This a debt collecting agency which may report about your Mortgage account to the Credit Bureau. 
So now that has happened and my credit is no good. I have never had this happen before. 
When I have tried to contact this company I have had to wait so long for them to get back to me and then I always get someone different that does n't know what is going on. This has been very frustrating. 
Now if I do n't make this payment by a certain date they will foreclose on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: NY

Complaint narrative:
I had an checking account with Key Bank and i received {$200.00} signup bonus. The account is now closed. I still have n't received XXXX from Key bank. I called Key bank, the agent told me that they do n't have any tax document for me. If i do n't that XXXX, i might be in trouble when i file income tax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied on the internet for a lower rate to refinance a mortgage. I was called by a person named XXXX XXXX from XXXX mortgage. We spoke on the phone and I gave him some personal financial information including my social security number and my address. After hearing his sales pitch I stated that I would be in touch if I decided to use his company. Five days later I received a packet in the mail. It was a loan application that I did not request. This application contained my SSN, address, my profession, credit scores. banks I use and other personal information. I am not happy with someone so carelessly sending my unrequested private information via a medium where it is so easy to steal. XXXX again the person 's name is XXXX XXXX. XXXX mortgage file # XXXX. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: M&S Recovery Solutions
State: KS

Complaint narrative:
This number XXXX has been calling family and friends looking for us saying they want money from us for some debt and give no name as to their business or information about the matter but never have we received a call from them. When I looked up the number it was reported as a scam alert. Plus that number is not in service and goes to a XXXX voicemail service when called. The name my mom got was XXXX XXXX. She was uncertain as to the spelling of his last name. This has happened before and I do n't know how to stop it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: CA

Complaint narrative:
To whom it may concern, I disputed more than XXXX times on the phone regarding your request HO-6 insurance and escalated the insurance coverage certificate that I provided but your insurance team and servicing keep ping pong the issue each other and ignoring my proof insurance documents that the original mortgage company already accepted. My insurance agent told me that should cover the mortgage lender requirement based on the XXXX guide line. It covers Walls-In and I do n't have any improvements in the house so the current insurance certificate should be good enough as attached. 
I discussed XXXX ( loan servicing manager ), XXXX ( insurance supervisor ), XXXX ... but they just sent me letter saying that they will purchase the expensive insurance {$730.00} and will pass it to me which is not fair and very frustrated. 
I also have XXXX more investment houses in the same complex ( XXXX HOA ) with other lenders such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX but they never complained the HOA insurance certificate and never request HO-6 to me since this is a investment rental house. HO-6 insurance is for the primary resident homeowner not for investment homeowner according to the insurance agent. Please contact my insurance agent at XXXX any further question. 
If you have any question, please email me at XXXXXXXXXXXX or call me at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Arbor Residential Mortgage LLC
State: WA

Complaint narrative:
I represent a homeowner who is doing a short sale and has been approved under the HAFA guidelines to receive XXXX at closing which was approved by the sellers first mortgage holder ( XXXX XXXX ). The XXXX mortgage servicer at Seneca mortgage told me that they did not know that HAFA incentives were at XXXX and thought they capped at XXXX so if the seller was going to get more than XXXX then the investor at Seneca Mortgage wanted the difference between those XXXX numbers to go back to Seneca Mortgage and not to the seller. Seneca Mortgage also was offered 10 % of their unpaid principal balance, so they not only wanted that XXXX %, but also XXXX that the homeowner is supposed to receive from HAFA at closing. I told them that they had no right to collect the sellers incentive money if they already are being offered XXXX % of the UPB and also receive TARP money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation