vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-29 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: MS

Complaint narrative:
I vacated " XXXX '' before the lease expired. I gave 60 days written notice as requested. When I received the final bill from them, they charged me {$1100.00} for improper notice. They also charged me {$200.00} for final water bills. I was current with rent and water at move out. My water bill never exceeded {$35.00} per month and I hand carried the 60 day signed notice to the apartment manager. I have a copy of this notice. I requested copies of the " final '' water bill and disputed the improper notice charge. No proof or copies of the water bill were ever sent to me and no reply was sent about the improper notice charge. They just turned it over to ProCollect in XXXX, Texas and they promptly listed the charges on all XXXX credit bureaus. After disputing this collection with all credit bureaus, XXXX XXXX removed it. XXXX and XXXX did not. ProCollect has not yet sent me requested proof of the the above documents. 

I am now filing a law suit against ProCollect for reporting false information on my credit report.

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 2015-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sentry Credit, Inc.
State: VA

Complaint narrative:
Daily 'robo-calls ' are left on my voice mail. The message states I should call XXXX. When I call this number it takes me into their voicemail system and asks me to leave my name, address and phone number in order that I may be called. 

The voice mail identifies the debt collector as Century Credit. 

As I do n't have any past due debts this strikes me as fraud or harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
I have been a customer of XXXX bank for over 3 years. Overall the bank has been alright. But periodically money comes up missing from my account. The transaction is debit from a foreign ATM. I live across the street from my bank there really is n't a reason for me to go to a foreign ATM unless there is n't a tcf bank around. This last transaction happened on XXXX XXXX, 2016 at XXXX in the morning at foreign ATM. I swear I was home asleep. If you review all of my ATM withdrawals I am never withdrawing money at that hour. They said the have documents but never provide it. Now the last time it happen about five months ago I got a new card and I did use the same pin number. So this time I changed my pin but I still do n't feel safe but this is the closest bank. I should be able to bank there and feel secure. Something is going on with their debit cards. I ca n't believe I am the only customer experiencing this. I want my money back. The amount is {$100.00}. I know to some that 's a small amount but I work hard and it 's a lot to me. Nobody seems to care. I will have to find another bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank Collection Settlement called and asked to set up a payment plan because my loan had defaulted ( I did not default, I filed for bankruptcy and was told that immediately defaults this loan ). I agreed to making a regular monthly payment. I have repeatedly asked for a statement with the current balance and payment history and have not received one for months, although I continue sending payment for fear of defaulting. I believe my right is to receive written notice of the balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: P&B Capital Group, LLC
State: MO

Complaint narrative:
On first contact from P & B Capitol Group, LLC, a woman, who did not identify herself, yelled at me and was very abusive to me, calling me names. I tried to explain to her that i was on SS at XXXX per month and have XXXX, but she would not listen ; I asked her not to contact me by phone anymore. She became even more abusive and yelled at me, " Collection efforts will continue ''. No paperwork or mailings have ever been received to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: SCA Collections, Inc.
State: UT

Complaint narrative:
Misunderstanding at hospital was correct immediately and paid off. {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: KEYCORP
State: OR

Complaint narrative:
I had a preferred checking line of credit ( XXXX ) thru Key Bank that functioned as either a credit card or cash loan. Due to medical expenses my limit was reached on this account. Key Bank customer service advised that I could open a Key Bank Platinum Card ( XXXX ) and transfer the previous balance to the new card at a lower interest rate. This was due to the increasing interest rate on the original card that made it difficult to keep up with payments.. The transfer would lower the interest rate. At this juncture I was expecting the original amount on the first card to be transferred to the new Platinum Card at a lower rate, then they dropped a bomb on me and advised that I could not transfer the balance to the new card. I advised them that I was unemployed at the time the new card was opened. And soon after the second card was opened, Key Bank began to raise the rate from 7.9 % to near 20 %. I kept falling behind and was unable to establish a payment program, the card rates were increasing and the penalties and interest made it impossible to repay the debt. I have since contacted them several times and offered to close the credit card accounts and convert the debt to a consumer loan in order to pay it back. They have refused all options to repay them and continue to charge me penalties. I now have little hope of ever paying this loan back unless they cooperate and realize that their manipulation, failure to close the first card, and charging me higher and higher interest with penalties has put me in this situation. 

The Bank was applying all my payments toward the finance charges and penalties and NOT the principal. This made it impossible to pay this amount off!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Ocwen has lost, misplaced, or misposted over XXXX worth of payments from XXXX to present. We have also been charged for a forclosure that never actually occured ( {$14000.00} in fees that were supposed to removed with the XX/XX/XXXX loan modification ). We have provided bank statements on XXXX separate occasions ( and XXXX different escalation specialists ) that provide confirmation that ocewn received and accepted our payments ( however Ocwen states we never made the payments even after we furnished proof that we had ). they are reporting us 90 days behind and we are not, we should actually have {$3000.00} in a suspense account? We have been bounced around for XXXX months to different escalation specialists and there is still no resolution. We need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Valentine and Kebartas, Inc.
State: CA

Complaint narrative:
I receipted the debt from net credit when I run the credit report and find out I own {$5600.00} from XXXX. I did the report the identity theft to police and send all the paper work to net credit, credit report company, I still receipted the debt from net credit that I have to pay. 
Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 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: CO

Complaint narrative:
ProCollect keeps calling me and has reported me to credit reporting agency for a debt I do not owe. They can not produce an original bill and the company they say I owe does not exist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 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: GLA Collection Company, Inc.
State: CA

Complaint narrative:
XXXX XXXX accused my daughter of breaking lease and charged us for entire lease duration. When I called to disput the amount, they said they would not work with me and immediatly turned me over to glc collections. I went to court as should have been done originally, this was a dispute over lease issues and has to be settled in court first. I won the judgement and was awarded money for damages. The original amount was XXXX off since XXXX was guilty of code violations and of double dipping- they had rented residence out already. XXXX has settled and GLA still will not remove collection.GLA did not investigate and show due diligence in accepting this debt. XXXX has admitted guilt by losing lawsuit and paying, so in effect there can be no collecyion since the wrongdoing was not my fault.I have contacted them and they have not responded. I want this off of all XXXX Credit Reports, since they never should have been there at all.

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: MN

Complaint narrative:
XX/XX/2016, I received an escrow refund check and notice that my payment would drop by ~XXXX/month by my mortgage servicer. I was happy. On XXXX XXXX, 2016 I received notice via mail ( no email was sent ) stating that a new Escrow Analysis was conducted as a result of a negative escrow balance and that my payment would increase over {$200.00} beginning XXXX XXXX, 2016 - the same day I received the letter! As a family that plans every monthly budget, you can imagine how upset I was to learn of this change. After speaking to the representative, I learned that XXXX had failed to account for the escrow of my hazard insurance and only began escrowing for it after I called them to ask if they were going to pay my insurer ( they initially stated that I was responsible for my hazard insurance premium - but, I insisted that they had escrowed for it - we checked the closing docs and, yes, they were supposed to escrow for it ). RoundPoint totally mismanaged my escrow analysis, failed to follow the docs signed at closing and, as a result, I 'm stuck paying an additional {$200.00} a month for their failures.

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 2016-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP
State: NY

Complaint narrative:
I was recently XXXX and was unable to make a payment on my home equity line of credit. I am on a fixed income ( social security and pension ) that are directly deposited monthly to my KeyBank checking account. Not only am I a low-to-moderate income person with health issues that prohibit me from easily going to a local branch office, but I also live in a low-to-moderate income census tract in the City of XXXX, and have been XXXX over the last several months, and want to in good faith pay my bills. I have been a long time customer of KeyBank of over 35 years. KeyBank is assessing multiple fee charges ( {$38.00} x XXXX charges on XX/XX/2016, {$38.00} charge on XX/XX/XXXX, {$38.00} on XXXX XXXX, {$38.00} x XXXX charges XX/XX/2016, plus {$28.00} in reoccurring overdraft charge XX/XX/2016 ) and is not willing to waive any of these fees because I was in XXXX and unable to deposit my rental income checks. Even though my social security and pension are being deposited, KeyBank is taking the money to cover the multiple fee charges. Without waiving the fees that accumulated to over {$500.00} this prohibited me in making my l other line of credit payments with KeyBank. Their inability to work with me is causing additional negative impacts. I have monthly income to work with and KeyBank is compounding the situation by not working with me even though I have monthly steady income and want to pay my bills. Although I attempted to work with the Branch Office on XXXX XXXX XXXX XXXX multiple times, they do n't want to take the time to work with me and relate to my issue. I need assistance restructure payments and waiving fees so I can get back on track. This is simply causing me to be behind on a monthly basis and I ca n't get ahead. HELOC Installment Loan/Line of Credit Account Number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: DC

Complaint narrative:
There are repeated roadblocks to attempt to reduce the cost of my mortgage through RoundPoint Mortgage Service Corporation. For instance, a biweekly payment option is available, but requires the processing of a paper application AFTER already signing up for ACH withdrawals and having a fully integrated online profile on their system. ( MONTHLY recurring payment is made available, but the other option requires additional efforts. ) In addition, initially, I spoke with a customer service representative about making weekly payments and went through a series of steps to make those payments directly from my bank account. Rather than applying the funds when they are received toward the next payment, as was described, the company amassed the cash and applied it at the due date of my monthly payment, ensuring they maximize the interest accrual on the loan. The other option they offered was that the payments could entirely go to principal, but would result in my monthly payment then not being paid. 

When I called to address my concern about this practice, I got a run around and was forced to make an additional payment ( full monthly payment ) to ensure that what I paid weekly did n't somehow not get applied and put me in a situation with a missed payment. 

The customer service department does not seek to help consumers at all. I did NOT choose this vendor. My mortgage was sold to this company and now I 'm a hostage to them for 30 years. I would love to figure out a way to escape this company and go with the provider I originally chose or a more decent company.

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: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
In XX/XX/XXXX my boyfriend and I purchased my current house. Because of my previous credit history, we were required to do an FHA mortgage product. My boyfriend is a non-occupying borrower. My sister lives at the house with me and pays part of the mortgage payment. 
Early XX/XX/XXXX, my sister and I began conversations with XXXX XXXX at the TCF XXXX office. We wanted to get out of the FHA Mortgage and remove my boyfriend from the note ( keep him on title ) and have my sister on Note and title. On XXXX XXXX, XXXX requested bank statements, last 2 year tax returns, last 2 years W2 's and last XXXX paystubs from my sister and I. We emailed the required documents XXXX XXXX. 
XX/XX/XXXX - First phone call with XXXX XXXX at the TCF XXXX, MN office. XXXX informed me he would be taking over the refinance process we started with XXXX at the XXXX office. During this phone call he informed me it would be best to eliminate my sister from the process. I gave XXXX a credit card number for the appraisal. 
Shortly after the XXXX XXXX phone call, in the mail I received a Notice to Loan Applicant from TCF disclosing my credit score from the report that was pulled on XXXX XXXX. Per the Notice my scores were Equifax XXXX, Experian XXXX and XXXX XXXX XXXX. 
My complaint : After two months of back and forth communication with XXXX XXXX at TCF XXXX, MN office I was declined a refinance mortgage loan for reason of " Bankruptcy ''. It was unnecessary for me to pay the {$400.00} for an appraisal when my credit report, pulled on XX/XX/XXXX, would have clearly shown the previous bankruptcy ( and foreclosure ). If TCF operates under strict guidelines then I should have been denied a mortgage loan immediately. Why did they pull another credit report on XX/XX/XXXX? Why was I asked for additional documents after the date of the denial letter? I was never asked to provide any documentation of the bankruptcy ( discharged XX/XX/XXXX ). The customer service I received from XXXX XXXX was horrendous. I was ignored on many occasions and some of XXXX 's comments were rude and unprofessional. I went into this in good faith and was lead on for over 2 months sending numerous, unnecessary personal documents. I feel this was unethical practices by TCF and their employee, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-19 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 closed my TCF Bank money market and CD on XXXX/XXXX/16. I never wrote a check or withdrew any money from these accts. I recived a letter dated XXXX/XXXX/16 stating my acct is overdrawn by {$110.00}. 
On XXXX/XXXX/16, I called TCF Bank at XXXX, spoke with XXXX and XXXX, I was told I owe {$170.00}, and my money market acct is still open. How could it be open I osed the acct. 
Since I read many complaints against TCF Bank, what they do is generate Bogus fees then sell to a collection agency. 
This bank is dishonest. Why is TCF bank still in business?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: KEYCORP
State: OH

Complaint narrative:
I opened a business savings account ( XXXX ) XXXX on XXXX. Under which time I was informed that there will be a 9 day business hold on all checks for the first 30 days. Subsequently, made another deposit and to sign up for online, I was told that there would be a 9 day hold on all check deposits for 60 days. Informed him that was unacceptable " as a business I need to have working capital '' states where there is a 60 day. Once last check cleared closed my account, he explains that there is a {$25.00} fee for early acct termination. Explained I was closing due to the 60 days window, states well that the policy for new accounts. Called to complain and with both of us on the phone I explain that there had been no disclosure stating 60 day hold. He looked through forms and stated that I was correct, but he was not willing to refund me the {$25.00} because I closed my account based on the information that I received from him. 
I would like the {$25.00} refunded to me - this is totally taking advantage of consumers, I can bet there are more out there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: SC

Complaint narrative:
My wife lodged the following complaint with the XXXX against RoundPoint Mortgage : " Constant issues with our escrow account. They 're raising our mortgage due because they not applying payments correctly. 
My husband and I had purchased our home in XXXX XXXX, SC in XXXX XXXX. After our closing, the mortgage was purchased by Roundpoint Mortgage. Since then we 've had a number of issues from them not paying our hazard insurance and sending our escrow money back in a {$700.00} check in XXXX XXXX and then sending a bill for the same amount after finding their error. We 've had numerous analysis done and have been given XXXX different mortgage payment amounts. We 've talked to several of their employees both in XXXX and here in XXXX. We were told not to pay our mortgage last month until the last analysis was completed which made us late. We just received another check from them for over {$1300.00}. After once again speaking to a representative, my husband was told to cash the check and send them back about {$100.00} to bring our monthly payment back down ... and we could keep the rest. He looked at what was in our escrow account, about {$110.00} when there should be well over {$1500.00} in there. '' The RoundPoint response to the complaint was inaccurate at best, misleading at worst. 
I 'd gladly send you their response along with our XXXX character rejection of their response. In summary, RoundPoint has mismanaged our account, served us poorly, and is, now, attempting to revise the history of our recent relationship through RoundPoint Assistant VP, XXXX XXXX XXXX 's response. I was proactive, did the legwork, performed the research, and endured and educated RoundPoint reps throughout this process. For these reasons, it 's with conviction and zero hesitation that I do not accept RoundPoint 's response to our XXXX complaint.

Company response to consumer: Closed with explanation