vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-13 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: Affiliated Acceptance Corporation
State: VA

Complaint narrative:
I had a membership with a gym ( XXXX in XXXX VA ) and moved out of the area before my membership was over. I called the gym immediately and submitted all required documentation of my change of address as requested, and the gym agreed that I would not be held for the remaining balance, nor would I receive any further charges. I am being fraudulently charged for the remaining balance through a collection agency, and I am not the only member of this gym facing this issue. 

Also, the debt collector also filed the debt as a late payment. Even if I owed this debt, which I do n't, a late payment does not exist with the debt collector, and is fraudulently damaging my credit score.

Company response to consumer: Closed
Consumer complaint received 2016-07-26 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: ERC
State: TX

Complaint narrative:
I opened an account with XXXX a few years ago. I then closed my account within the 14 day grace period and was informed I would not be charged. Many months later I decided to start working on my credit and noticed that I had debt in collections from XXXX collection agencies for XXXX. After finding it impossible to remove it through calling customer service on every end and no one seaming to have an answer, I just paid the debt and moved on. Now over a year later, I am once again being charged for the same " debt ''. As I have already paid over {$500.00} for a debt that was incorrectly charged to me, I decided to once again fight the charges. I have now been sent in phone call circles by all parties involved and am continuously hung up on, told they do not have records showing said information, and am told to call this company or go into the store or call the agency where I am then sent right back to the person who told me otherwise. Debt collectors involved are XXXX ( new debt account ) and Enhanced Resource Centers ( which is identified under abbreviation ENHANCEDRE and ENHANCRCVRCO ).

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 2015-08-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I had a customer trade in a vehicle at my dealership XXXX/XXXX/XXXX and I sent a payoff check of which RBS Citizens cashed. The title to vehicle is an electronic title and since my initial contact with Citizens bank they have given me the run around. Up until XXXX/XXXX/XXXX when XXXX XXXX was able to provide a lien release letter, there has been no help or resolution. I have left two messages with no call back XXXX. As it stands the lien release letter does not work for electronic titles. It is now XXXX/XXXX/XXXX and Citizens has had my money since XXXX/XXXX/XXXX. RBS Citizens has been unwilling to take the proper steps to release the electronic title and I am asking assistance from your organization in hopes that you can get the desired results. Below is all the information of accounts and contacts all of which other than XXXX XXXX have accomplished nothing after hours of phone calls and multiple messages : Customer who traded car in : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX RBS CITIZENS BANK XXXX CITIZENS BANK XXXX ACCT NUMBER XXXX Over night payoff check to them on XXXX XXXX XXXX Signed for by XXXX XXXX RBS CITIZENS Contacts with whom I spoke with over last four months : Last spoke with XXXX XXXX XXXX Office of Chairman XXXX Results- she was able to get a Paper lien Release Paper Lien release is no good for Electronic title XXXX Direct line Electronic Title Division : Main Number XXXX XXXX XXXX XXXX XXXX Multiple conversations and messages left with no results XXXX XXXX ext XXXX Two Conversations and no results *****As of todays date I contacted the State of Georgia and they indicated that RBS Citizens nor their title servicing company has not made any request or action on the title involved. No activity on the title has taken place since XXXX of XXXX when the owner first purchased the vehicle. This indicates that after multiple calls and representatives that no one single action has taken place. The results of this failure to process title in timely manner has cost my company several XXXX dollars in lost revenue due to the fact I could n't register the title in the new owners name. I am requesting you assistance and appreciate any direction on this matter. Kind Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I 'm currently on XXXX somy funds are limited. The last month alone, Citizens has taken over {$300.00} for overdraft fees. Even though the same day they showed, I transfered money from another account to cover. After complaining to the hilt, they gave back {$110.00}. Now they are doing it again. {$7.00} was posted by an agency causing a neg Bal. I quickly transfered funds to rectify. 3 days later they wacked me for XXXX/ {$39.00} fees. I 'm done ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC
State: TX

Complaint narrative:
on my XXXX credit report.i have disputed collection charge its my son they want investigate my dispute. so, i call both company and they tell me its my son account they keep leaving it on my credit report its under his social number they want take it off.and their is a creditor, i pay every month this on and they have no data for XXXX months or more they are not treating me fairly its like they can do whatever they want they in charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from Enhanced Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2015-09-29 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: FL

Complaint narrative:
This little {$36.00} bill was paid in full to XXXX They made me pay it before I could get new service and that was years ago. I dont know why this is still on my credit report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP
State: NY

Complaint narrative:
I have an account with Key Bank and have been disputing a recurring charge with them from XXXX XXXX XXXX for months ( I initially went through XXXX XXXX XXXX but after 3 months of the charge still recurring I began disputing it with Key Bank. I know it is only XXXX but I 've been being charged this fee for I think over 2 years now and can not get it to stop. I tried calling Key again today but after promising a wait time of less than 3 minutes and being on hold for over 10 with no updated wait time expectations, I could n't wait any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Refinanced my home loan with XXXX ( owned by first guaranty mortgage ) and closed on XXXX XXXX 2016. XXXX XXXX I received a letter from Round Point Mortgage servicing Corporation saying they are my new loan servicing company and to start paying them my first payment by XXXX XXXX 2016. On XXXX XXXX I received a letter from XXXX saying they are the new mortgage servicer for my loan and I owe them my first payment on XXXX XXXX. 

As of XXXX both my online accounts for Round Point and XXXX show I owe a payment on XXXX XXXX. Since XXXX XXXX I have been communicating with XXXX and Round Point but no one can give me any kind of information or update as to when one of these accounts will actually close. XXXX says I should send my first payment to XXXX and do n't know why RoundPoint still shows I have a balance and payment due. I tried to get each company to escalate this issue internally and resolve this but they wont do anything. Please help get this resolved quickly. 

I am submitting two complaints, one for XXXX and one for Round Point Services.

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 2016-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Roundpoint Mortgage Servicing Corporation services my XXXX XXXX XXXX Mortgage, and converts without my permission, my regular payment into 'principal curtailment '. This requires that I have to make an extra payment to prevent late fees from occurring because I sent in my XXXX payment ( with no add'l principal ) early. This has occurred twice in the last four or five months.

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 2016-08-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: TX

Complaint narrative:
The company procollect was given my account after my duagjter moved out of an apartment complex in which I was guarantor, the charges were way more that anyone would ever pay for simple bathroom and kitchen cleaning for a stove to be cleaned that never even worked the entire time she was there, carpet repair when there was no carpet even in the apartment, I tried to explain my situation and that I would pay for reasonable charges but they do n't care about the principle or my innocence, they insist that I pay the XXXX dollars in full. I have called several times year to procollect and the apartment community and not one person is professional enough to at least investigate the matter. This is the only negative thing on my credit, I have never made a late payment on anything. I am professional RN for 16 years and am able to pay my bills, it is the principle here not the money. The unprofessional manner of procollect and their staff is unacceptable to consumers whom do actually pay their bills on time. The staff never even offered to call the apartment community to see if we could come to a conceses, they basically treat you as a lying flake

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 2016-09-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I have an XXXX XXXX XXXX Pre-paid card. This card allows you to " load '' funds to the card online using your debit card. I have done this for years with my credit union debit card and not had an issue. I am now primarily using TCF Bank as it is more convenient than my credit union, and attempted to " load '' funds to my XXXX XXXX XXXX Pre-paid card. Unfortunately, TCF Bank has chosen to block these transactions " for the safety & security '' of my account ( or so I 'm told ). TCF Bank should not be allowed to block these transactions. My assumption is that these transactions were blocked by TCF Bank because it allows their customers to bypass their fee structure. By loading money to this XXXX XXXX card, I am able to withdraw from thousands of ATM 's nationwide free of charge. With TCF, I am charged {$3.00} if I use an ATM outside of TCF 's network. Additionally, TCF has their own prepaid card. Are these transactions really blocked because they want you to use their card? 

I was offered an alternative by a phone banker that I could use ACH to transfer funds to my XXXX XXXX card. Unfortunately, this wo n't work for me for XXXX reasons : 1 ) XXXX XXXX XXXX no longer allows transfers using ACH TO my card, only to withdraw from my card. 2 ) If it did, it would take several business days. The whole point of using my debit card is to load the funds so they are available immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: CA

Complaint narrative:
On XXXX/XXXX/16 Seneca Mortgage Servicing debited our escrow account in the amount of {$3900.00} to pay property taxes. On XXXX/XXXX/16 we refinanced and paid our loan in full. We also made a payment of our property taxes at that time. I contacted Seneca Mortgage at the time of the refinance and was told that the escrow money debited for property taxes would be refunded to us. On XXXX/XXXX/16, I contacted Seneca because we had not received the refund of the money debited from our account. I was told that Seneca could not reimburse us until the property taxes had been paid to the county and the county rejected the property taxes as a duplicate payment. I was told Seneca would submit payment to the county on XXXX/XXXX/16 and that the entire process should be completed and the money refunded to us by XX/XX/XXXX. Today is XXXX XXXX. I contacted Seneca for a status update because we still have not been refunded the money. I was told that the county did reject the money and return it to Seneca on XXXX/XXXX/16. When I asked why it has not been returned to us, I was given the run around and told that it will be a minimum of 15 more days before Seneca will issue a refund check. I have requested an expedite but Seneca is unwilling to do anything. They have been holding {$3900.00} since XXXX/XXXX/16 on a closed account despite repeated requests for reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Prosper Marketplace, Inc.
State: CT

Complaint narrative:
I have a loan from Prosper. This was contractual and their were no deceit except how the interest would accrue. They are charging 24 % percent each day on the balance of loan, which I feel is very wrong. All other banks and financial institution are charging monthly rates. 

I did not see this writing in the bold or fine print of the loan. I have no problem pay the loan back, but I feel the daily interest is a deception and an unethical practice that hurts the consumer worse than the financial problems they were in prior to the loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: KEYCORP
State: CA

Complaint narrative:
I got a loan from Key Bank for a pool in XXXX. I ended up short selling the house in XXXX, and stopped paying the loan. The loan was sent to collectors and I arranged automatic payments with them in XXXX. I noticed after about a year that the amount owed was n't going down, so I called and spoke to the collection agency and they told me that Key Bank was still charging interest, as they did not and could not charge interest. I called Key bank and they had no idea how that happened. The interest charges stopped after that. In XXXX, my automatic payment stopped, so I called the collectors and asked why, and they told me Key bank took the debt back. I called Key bank and was told the want the entire amount owed, not the little payments I was making, so I said send me a bill. The bill never came, and I got a call from XXXX XXXX on XXXX/XXXX/XXXX at XXXX, and he had no records of my previous contact with Key bank. I requested my proof of payments from him, and I gave him my address, and I 'm still waiting. Key bank has my address and phone number, but they keep calling my mother and harassing her. I need proof of payments from them to show that they were charging interest on a debt they had transferred to collectors, please help, thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: CA

Complaint narrative:
Key Bank National, XXXX XXXX, Or XXXX. Will not close out my father and mothers checking account. my sister was also on the account as a signer. All XXXX family members have passed, my father XX/XX/XXXX ( this death certificate should already be on file ). My Mother passed in XX/XX/XXXX and my sister passed away XX/XX/XXXX. She failed to close the account when she was moving all the house and other necessary things to do upon someones passing. I have sent this bank certified mail XX/XX/XXXX regarding the checking account still open. The information was XXXX death certificates their ID 's, my ID, a noterized copy of my signature and an affidavit. I live out of state and do not have the luxury to walk into the branch and do this in person where it would take less documentation then the have in their hands now. Since XX/XX/XXXX, I have been speaking to whom I think is the head teller and have spoken to the Branch Manager. Between the XXXX of them I have no further results XX/XX/XXXX. On my behalf I have also spoke to XXXX people from Key Bank Headquarters. They promised to help, I received no further phone calls as promised. Yesterday I get a text, from the Branch Manager, that he has know made a few calls to attorney 's and when he here 's back from them, he will contact me. I know have to wait while they consult an attorney. Give me a brake, where is Key Banks Protocol Manuel??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: States Recovery Systems, Inc.
State: SC

Complaint narrative:
I have been a victim of identity theft. It has been documented with the necessary police report and affidavits. This company States Recovery System refuses to delete the account from my credit file according to FCRA regulations despite being provided with the documents on several occasions via fax and certified mail. I hereby request account XXXX ( originally First XXXX XXXX ) be deleted immediately and no further action taken in regards to this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP
State: OR

Complaint narrative:
I have had issues with my Keybank account for 6 months. I have been with Key Bank since XX/XX/XXXX. Only in the last 6 months have I had issues with my account having fee 's. I can write a check and make a cash deposit to cover that check. Only to find that a week later a auto pay that should have been declined was paid and my checks were not. Seeing that I had paid these long before the auto pay came out it should have been paid. No, I was charged XXXX return fees. ( then more fees 2 weeks later as the checks where re-ran without notice ) I have gone into the bank to clear up a few issues as my savings account had hidden fees and was not told about it. I went to a branch and asked to clear it up and was told my account was closed with no notice and there was nothing that they banker could do. I called the phone banking system and told this to a phone banker and was told that they process the highest payment first and do not process transaction in the order that they have received Them. Because of this policy I have been charged over {$800.00} in fees XX/XX/XXXX. It is XX/XX/XXXX I have not touched my account for a month and it has grown to - {$420.00} dollars. I have been reported to XXXX with no notice and this has seriously affected my income and my finance 's period. I have gone into branches and called in several times and get told there is nothing they can do for me. I want my fee 's paid back and my name cleared out of XXXX I should be reported for a bank account with hidden fees that the bank will not make right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 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:
University XXXX report debt to GLA collection after my health insurance paid for my child doctors visit. I contact GLA and show proof that bill was paid by sending them a EOB an explanation of benefits that show proof that they have paid. The collection company refuse to remove inaccurate information from my credit report. I do not owe this debt they need to remove from my credit report.

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