vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: TX

Complaint narrative:
XX/XX/XXXX I received a credit monitoring alert that notified me of a new collection account listing with XXXX XXXX credit bureaus. At that time, I had n't received any letters or notification from the company, Enhanced Recovery, who placed the trade line in my credit file. XX/XX/XXXX, I sent a letter to Enhanced Recovery - sent certified mail return receipt requested ( XXXX ) - notifying them of the placement in my credit file, that they had not provided any notification to me of a debt owed, and requesting validation of the debt. Although this letter was received by them, I received no response. On XX/XX/XXXX, I sent a XXXX letter to Enhanced Recovery, also sent XXXX notifying that they had not responded to my previous letter, although required by law, and were still continuing to report an invalid and unvalidated debt to the credit bureaus. At that time, I, again, requested debt validation or removal of the trade line. As of XX/XX/XXXX, I have received NO communication from Enhanced Recovery nor has the debt been removed from my credit file. They have continued, since XX/XX/XXXX, to insert and update a trade line in my credit file, causing significant damage to my credit rating. They have not responded to any of the letters sent to them. I have filed a complaint with the XXXX and the Texas Attorney General 's office as well, in an attempt to resolve this issue. Their continued violations are unacceptable, and in violation of both federal and Texas state law. This trade line needs to be deleted from my credit file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28 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: ERC
State: NY

Complaint narrative:
I sent this agency two debt validation letters on two different occasions and they have failed to validate this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Amcap Investments, LLC
State: TX

Complaint narrative:
I applied for a VA loan and the underwriter from AmCap Mortgage set a condition of my loan to provide medical documentation as proof of documentation as an extenuating circumstance of credit difficulties. Additionally, as a condition of the loan I was asked to provide documentation of upgrades done to my home that has been over 9 years past. Additionally, we have been asked to provide evidence of property listed as for sale or rented to support my military XXXX move in 2006, which is over 9 years ago. I beleive the underwriter is asking for obsolete and unatainable information as set conditions for a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent TransUnion four certified letters asking them to verify that items being reported on my credit report be verified correctly under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.

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 2015-07-29 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
A credit of {$1000.00} was made to my bank account by Castlepayday. I did not apply for any loan. I contacted the bank & they instructed me to call Castlepayday which I did. They verified all the information, told me a debit would occur on XXXX/XXXX/15. Today the bank called and Castlepayday debited XXXX. I again contacted them and was told the additional XXXX was interest amount on the XXXX loan. They again verified the transaction and I was told that the XXXX would be reversed along with a XXXX fee because their action caused an overdraft at the bank. I was told the first action occurred because of an error in typing the account number by one of their employees. But to then make a XXXX mistake is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CA

Complaint narrative:
From a cell phone account that I was added to as a user, but not the primary account holder. I was not the person that opened the account, or signed the agreement. XXXX attempted to extort me back in XXXX 2014, but when they realized that I was not the party responsible, they stopped. Apparently Enhanced Recovery has ties to XXXX in some way, because my score has dropped XXXX points while trying to dispute this. I was told that every time XXXX talks to Enhanced to try to straighten it out, Enhance refuses, and XXXX refreshes the debt and lowers my score. Enhanced has never attempted to contact me to resolve this issue. I call them, and they know that it is now my information, but they still wish to extort me. My score is so low now that I have begun suffering losses because of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
The university in which I was attending ( University of XXXX - XXXX XXXX ) has forwarded my account to which validation has not taken place to a debt collection agency ; Williams & Fudge , Inc . This agency has added frivolous fees and commissions to the balance of the alleged debt in amounts which are unclear and deceptive. Agents for this collection agency have not been forthcoming in explaining this debt to me nor have they provided a break down of what they allege I owe their client. Further this agency has deployed the use of an autodialer making numerous unauthorized calls to a mobile telephone in violation of TCPA. This agency has attempted debt collection actions against me at my place of employment placing my career and livelihood in jeopardy, they have done so after repeated requests to cease and desist. 

WILLIAMS & FUDGE , INC . 
XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: VA

Complaint narrative:
Never give info on what they want and keep call harassing my family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP
State: NY

Complaint narrative:
I bought a car that was financed by First Niagra bank. A year later, first Niagara merged wit a bank called Key Bank. Since this merger I have had issues with payment. Anytine I make a payment, they tell me they do n't receive it. But when i check my bank statement it shows that the payment was taking out. I have been calling since XXXX to resolve this problem but to no avail. They are very incompetent and very unprofessional. I have had debt collecting call since XXXX and I 'm not even at fault. The worst part is that it has wrecked my credit score. My credit used to be very good and now its below average. I 'm a young woman who has been working very hard and going to school so I can have a great future and a good life. That seems like a dream now because of this problem. I will be going to XXXX school next semester and I dont know how I 'll get a loan with my credit score the way it is right now. I am frustrated and do not know what to do. To anyone reading this, please stay very far away from Key Bank. They are horrible and could ruin your lives. In America, you need good credit for everything, when it ger ruined or wrecked you are XXXX. You can not buy a gouse, rent one or even buy a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BBVA FINANCIAL CORPORATION
State: NM

Complaint narrative:
Sub was repossessed XX/XX/XXXX when I was on unimployment XX/XX/XXXX I got a call from compass bank XXXX to satisfy the loan which was XXXX at the time so we negotiated for half that and XXXX dallers a month which I could not afford but I said ok she said make a few payments and they might right off the rest so after making a couple of payments my XXXX dollars a week of unemployment benefits I could not pay it they must have sold it to a company because when I went back to work XX/XX/XXXX I got a letter from my employer that I had to relinquish 25 % of my after tax income to the sun loan company and that I owed the. XXXX And some change I 'm at a lost for this please help my phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
We are in the process of short selling our home and have filed a complaint regarding Roundpoint Mortgage 's lack of assistance during the process. This complaint is regarding the excessive amount of time it is taking Roundpoint Mortgage to update the short sale approval date extension. We sent an addendum to them on XXXX XXXX, XXXX, as you can see in the attachments and still have not received a response back from them as of today 's date, XXXX XXXX, XXXX. We have made several other attempts to contact them via phone calls/voice mails and through email, as you can see from the attachments and yet the closing date still has not be approved nor have they responded to us with any status change. During XXXX phone conversation, my husband was told by a Roundpoint representative that they were unable to open the PDF document we sent them with the addendum reflecting the closing date. No one at Roundpoint responded to our request for confirmation of receipt of the addendum so my husband spent an hour on the phone trying to get a representative to confirm the receipt only to be told they were unable verify the file could be opened for a minimum of 48 hours. After pleading with the service rep, XXXX, she did provide her personal e-mail and confirmed the file could be successfully opened. The short sale has been approved once, but at this pace, the extension that we requested is going to need to extended due Roundpoint 's lack of urgency and lack of action we are enduring. 
Please help! This is a simple approval extension.

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 2015-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I Deposited XXXX checks at a TCF Bank that I received from a online casino. ( Winnings ) They said it would need to clear casino account before I could withdraw any funds, understandable I said. Total of XXXX chks {$6000.00} I checked with the bank XXXX XXXX later and checks were good, no problem. 
Another time I took a larger check ( cashiers ) for {$12000.00} from a online casino. ( winnings ) they said I had to pay them {$120.00} to get verified & same wait to clear!! I questioned it but they insisted so I paid the fee, checked XXXX XXXX later the bank said the check was a fraud. 
I never withdrew any funds nor did I receive the check back either, now I see they reported on my credit ( XXXX XXXX ) record as a bad 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 2015-06-22 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:
XXXX .XXXX clinic said I had a copay for {$960.00} which I paid upfront.I got a account XXXX and additional amount.I called then up and told them I have already paid it.They send my bill to a collection agency.I called and tell them I refuse to pay it because I have already paid it 1 year later the XXXX clinic send me a XXXX for XXXX for over payment I called the collection agency and offer to pay them They refused the amount .My credit record is ruined and they still do not want to listen to me or help me Why am I beiing punished if they could not do there work

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 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: SCA Collections, Inc.
State: NC

Complaint narrative:
I paid sca collections and XXXX ..sca was for XXXX and XXXX was for XXXX ... they left it on my credit report..Im XXXX I get very little money every month.trying to straighten out my report if I paid the debt off then they should be kind enough to remove it from my report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: DISCOVER BANK
State: NV

Complaint narrative:
Discover Bank, after account was settled and paid off, still claimed I owed them money, kept harassing me and brought great damage on my credit score and emotional health, in 2006. 
And this time, kept threating me to with continuing attorney placement pending letter includes phone # collection, which is completely unnecessary. then right after that the company ( XXXX XXXX XXXX ) sent me letter stating 'This firm is acting as a law firm. ' I have disputed and demanded verification and in response, they sent me only statements, not original agreement on terms I have signed up, nor application for the card, despite of my request. The statements show many interest and late fees charged. seeking and charging interest and fees without clearly defines 'the term of this extended line of credit and my permission to them to charge those/agree to pay ' in the original contract I have signed up is a violation of FDCPA. 
Then Discover sued me, so I called to XXXX, their Automated answer says, " This firm is not a Law firm, Debt collection agency. '' This is clearly confusing and misguiding consumers, which is another violation of FDCPA. 
This Discover Bank and XXXX, Collection agency claim to act as a Law firm must be punished for their act of deceiving public.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 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: TX

Complaint narrative:
called me at XXXX XXXX on XXXX/XXXX/XX/XX/2015 saying that I owe {$1600.00} and I talked to the management company that filed it against me and they told me adjusted it to {$940.00}. XXXX calls me saying I have to make a payment before XXXX on XXXX/XXXX/XX/XX/2015 after the fact that I asked them to mail me something stating that balance and they refused to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I mailed GLA a letter on XX/XX/2015 asking them to remove the comment " customer disputes this item '' I can not proceed with a mortgage with these XXXX collects saying this. On XX/XX/2015 a GLA person contacted me about paying the XXXX collections. 

I told her that I might have paid these collections through the XXXX dept XXXX. XXXX hospital sends my unpaid bills there most of the time. 

I have had XXXX about 10 years ago. I have to have bi-annual XXXX with them. Sometimes I just ca n't paythe amount I owe right away. 

I spoke to GLA today, XXXX about paying the XXXX collections and a lady tells me there are XXXX more collections I owe. That are being reported on my credit that I am not seeing? 

Is she kidding me? GLA never mentioned these XXXX other collections before? Is this a collection scam? She never offered my any proof of the bills/collections. Just said I had to pay them along with the XXXX I am aware of. 

So this is what they call scamming the elderly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: MI

Complaint narrative:
KeyBank failed to supply monthly statements and updates on my account, withdrew $ XXXX inactivity fees from last date of customer activity XXXX ( verified XXXX/XXXX/XXXX by KeyBank ) then claimed date of last activity as XXXX/XXXX/XXXX but refused to state reason nor supply documentation on either, confirmed on XXXX/XXXX/XXXX having all my prior relocation addresses since, failed to supply consumer updates/notices/statements/withholdings/tax information on the account the entire period, notified me ( XXXX ) that the account was being sent to the state, stated the account was sent to the State of XXXX on XXXX/XXXX/XXXX ( the State of XXXX and the State of XXXX verified not having the funds on XXXX/XXXX/XXXX nor XXXX/XXXX/XXXX ) yet did not have any form of tracking number or verification of such, on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX confirmed that the account was still held by KeyBank and in process of being sent back to me via my branch, refused to supply statements or verify accrued interest and rate earned the entire period, refused to supply any statements on these matters, contradicted their XXXX/XXXX/XXXX statement and said they do not have the funds but sent them to the State of XXXX unclaimed property going against regulations that account origin location and holding branch dictate by law that the funds go to that states unclaimed property which is the State of XXXX yet either way held the funds and withdrew service fees for years afterward within authority in legal proceedings nor informing the owner of the account of such, stated they would supply confirmation on the last date of activity then refused even though they confirmed it being XXXX XXXX, then claimed the last date of activity was on XXXX/XXXX/XXXX with activity of a monthly service fee applied by KeyBank and no activity by the account holder, surpassed the XXXX year and XXXX year ESCHAET process requirement to either state by several years, changed their statement on sending the funds to the State of XXXX nor back to me through the branch but instead sent the funds to the State of XXXX under a XXXX year mandate for ESCHAET processing and fabricated the XXXX/XXXX/XXXX date of last consumer activity in attempts to abuse the law, held my funds for seven years and several years past regulation under either states law and policy, claim they supplied me with monthly statements showing the $ XXXX fees for the entire seven years and that I did not act upon these continuing losses, refused to give back over {$750.00} in fees they stole and stated they would only reinstate two months worth, refused to supply any account documentation or statements, lied, deceived, mislead, fabricated, withheld, abused, and treated the consumer and regulatory system like a pawn for their own gain, fraud and criminal activity. Dates, names, verifications and such available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
Our Mortgage was purchased by Roundpoint Mortgage Servicing Corporation in XXXX of 2014. In XXXX 2014 they took funds from escrow to pay our city tax. In XXXX of 2014 we received notification from the city that our taxes were never paid. We immediately contacted Roundpoint. After some investigation on their end, they told us that they pay taxes in " groups '', and our payment went to someone else 's taxes. Roundpoint said they would correct the error, and make sure our taxes were paid. They never credited our escrow account for the misappropriated tax funds, they just took another deduction from our escrow to pay the tax bill. At XX/XX/2014, they performed a escrow analysis and found our escrow to be short ... They sent us notification that our monthly escrow payment was to be increased by {$100.00}. I immediately called them to ONCE AGAIN complaint that they still had not credited the funds for the misappropriated taxes back to our escrow. Every time I call, I am connected to a different account representative, who always says " they are going to open an investigation ''. I was told I was not able to speak directly to a manager, and that they do n't even speak with management ... They have to email a manager and wait ( with you on hold ) for a reply. I have spent countless hours on the phone with these people, and they ca n't seem to make it right!!! Now, we have no choice but to pay the higher mortgage payment, because if we do n't, there will be negative consequences to our credit history. I am so sorry that this institution purchased our mortgage.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: KEYCORP
State: MI

Complaint narrative:
We purchased a boat 10 years ago and had Key Bank as our lender. Over the past 120 payments, we have been paying late fees in amounts of XXXX. I had contacted them to get our payment date adjusted to avoid the late charges. They assured me they would do this. We recently fulfilled our obligation with Key Bank and based on our timely montly payments, we feel we should be reimbursed the late charges. We always paid our montly payment at the same time, we never missed any payments.

Company response to consumer: Closed with explanation