vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: KEYCORP
State: KY

Complaint narrative:
When I enrolled in my college ( XXXX XXXX XXXX, XXXX XXXX, KY ) I followed the advice of my XXXX and did exactly what he recommended, in terms of credit load. He ( and the professors in the education department ) recommended following a XXXX year plan to ensure that I would be able to manage my classes and classroom/XXXX hours. What they did not tell me is that my federal aide was only good for XXXX years. So I continued following their recommendations and the summer before my fifth year I received a statement letter saying I would receive XXXX dollars in financial aide. I was absolutely panicked and neither me or my parents knew what to do. I had very little guidance and wht I did get from financial aide office was vague. I had no idea that the private loan I was getting would leave me with such high monthly payments and that they would not budge in the amount of those payments. I was a college kid living with my parents and relying greatly on their knowledge and that of the student aide people, confident that both knew what they were getting me in to. What I 'm most upset about is that I was a XXXX student, I could have, and would have carried a heavier course load to get done in XXXX years, had I known I was losing all my federal aide that fifth year. If that was explained to my parents, they failed to tell me but I do n't think they were aware of it either. I have XXXX dollars of student loan debt and I make about XXXX. The federal loans are manageable because of government programs like XXXX plans. The private loan through Key Bank, totaling about XXXX, is not manageable, with payments of XXXX a month. I have XXXX young children and bills are getting heavier and heavier. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Additional interest and late fees charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 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: Credit Bureau Collection Services, Inc.
State: MO

Complaint narrative:
I noticed a new collection on my credit on or about XXXX When I contacted the gas company who sent this to collections I was told they had a system reboot XX/XX/XXXX an no longer have access to the records. I have repeatedly requested verification of that I owe or how I owe this bill when I did not reside in the residence at the time they claim. I have yet to receive verification of my request. The company has point blank told me that the burden is on me to prove I do not owe them. I know I do not owe this bill as the previous owner holds records of this time frame that he has paid the bill to this service in the same time frame the company claims I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
I paid my XX/XX/XXXX mortgage payment of {$1000.00} to Roundpoint Mortgage on XX/XX/XXXX. On XX/XX/XXXX they withdrew {$1000.00} from my account. Then on XX/XX/XXXX they withdrew another {$1000.00} from my account without authorization. This erroneous action threw my account into serious overdraft status of a negative {$430.00} balance which includes multiple {$35.00} insufficient fund fees for each item. I contacted my b bank, but they were unable to help since both payments had already been processed. I contacted Roundpoint Mortgage customer service and was told they could do nothing and I had to PROVE that Roundpoint had made an mistake. They told me to email a copy of Roundpoint 's own email confirmation of my payment back to Roundpoint. I was not given a legitimate email address. The Customer Service XXXX told me to email their own own email confirmation of my payment to XXXX I managed to to track down a legitimate email address and sent Roundpoint a letter explaining their error, along with their own confirmation form and a copy of my bank statement showing the double withdrawals from my account which also included details of the negative amounts adding up in my bank account. Roundpoint sent bank an email acknowledging my complaint and informing me it could take up to 30 days to resolve this financial mess they created. They also told me not to contact them again which would put my complaint to the bottom of the pile and take even longer to resolve. I am in a panic because of Roundpoint. I am a senior citizen on a limited budget, and because Roundpoint emptied out my bank account, I am left with no money for food, bills, etc., and my bank account is seriously in the negative. I find their unhelpful and unresponsive attitude totally incomprehensible.

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 2016-11-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP
State: IN

Complaint narrative:
Using Key Bank 's online portal, I performed a transfer of funds on XXXX XXXX, originating an ACH debit to XXXX of my checking accounts at another bank. Key ( Originating bank ) received funds on XXXX XXXX ( effective date ), which is the same date Receiving bank removed funds from my other account, but Key Bank still has n't made the funds available to me in the target checking ( as of XXXX XXXX XXXX. This is contrary to their disclosed funds availability disclosure and is an excessive delay for an electronic transaction. The bank has had my funds for over five days and has not made them available to me ( should have been on the effective date ). The branch tried to explain this had something to do with the bank holiday on XXXX XXXX, but that does n't explain why the credit half of this transactions originated on the XXXX does n't post for a full week. Key is always quick to post the debit half when it is the other way around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
My husband and I have XXXX insurance ( XXXX XXXX XXXX, and XXXX ) I went to the hospital XXXX for a XXXX insurance was billed. I paid my {$100.00} deductible at the hospital, never heard anymore about this bill until recently ( XX/XX/XXXX ) when I had a credit report change alert ( someone applied for a XXXX ) while I was reviewing my credit report I noticed a {$510.00} medical bill. I inquired about it and was told " It was sold to us in XX/XX/XXXX and we will report it every month on your credit report until it is paid. '' I was not aware of this bill. I am very upset about this, this Pro Collect XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: TCF NATIONAL BANK
State: AZ

Complaint narrative:
Threatened to reposes a vehicle I traded in on XX/XX/XXXX at dealership if I did not make last payment. Asked for {$280.00} and my payment is actually {$340.00}. became verbally abusive to my mother and falsely represented himself calling my place of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have disputed XXXX on my Experian credit report several times. The debt was cancelled by XXXX and I received a XXXX form, stating the debt was cancelled. I paid taxes on the cancelled debt. Experian continues to incorrectly report the debt as delinquent and past due. I was recently turned down for a mortgage loan due to incorrect credit reporting by Experian. This is my final attempt to have Experian correct this error, before I sue them. I am attaching the latest document from Experian dated XXXX 2015 showing the result of their investigation. This error is after I submitted a copy of the XXXX C form that I am attaching to this complaint. I have been injured by Experian 's inaccurate reporting, and if the error is not correcting this time, I intend to sue them for for actual and punitive damages. Experian continues to ignore my requests to correct the error, even though I supply the documentation that I am attaching today to this complaint. This official complaint, if not corrected, will be used as additional proof of the malicious behavior Experian is subjecting me to. The account is paid in full and not past due. The debt has been cancelled, as the document states. Note the account numbers on XXXX the credit report and the XXXX are identical.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: NY

Complaint narrative:
discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex, marital status, or age ( provided the applicant has the capacity to contract ) ; [ XXXX ] to the fact that all or part of the applicant 's income derives from a public assistance program ; or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The law applies to any person who, in the ordinary course of business, regularly participates in a credit decision, including banks, retailers, bankcard companies, finance companies, and credit unionsXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: FL

Complaint narrative:
XXXX XXXX, a company that my fiance and I rented an apartment from, sent us a letter stating we owed a lot of money that we did not owe. We had my fiance 's aunt-who is a lawyer contact the woman who wrote the letter. Our lawyer, XXXX XXXX, also wrote a letter to XXXX XXXX at XXXX XXXX disputing the debt. XXXX XXXX agreed the amount was wrong and XXXX XXXX stated she would send a corrected letter to XXXX XXXX. Neither our lawyer, myself, nor my fiance ever heard from XXXX XXXX after XXXX 2015. The next thing we heard was that a collection agency was trying to collect a debt in XXXX 2015. XXXX never even corrected the amount owed. I finally told the collection agency that we had a lawyer, but the collection agency reported this debt to the credit agencies anyway.

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 2016-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
Roundpoint have hired XXXX to communicate this information from a debate collector to be used to collect on something that we have requested that roundpoint provide us with validation and disclosure information this entity have refused on every level to lawfully provide documents

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 2016-05-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: States Recovery Systems, Inc.
State: NV

Complaint narrative:
States Recovery is continuing to charge interest on a debt that was charged off by XXXX XXXX. To this date, I have paid {$1000.00} on a {$3600.00} debt and still owes according to them as of XXXX 2016, {$3200.00}. When I asked for a statement, I was told they do not send any statements and are not required to. States Recovery claims, XXXX XXXX ( Original Creditor ) are the ones who has this information but when I contacted XXXX XXXX, I was told the debt was sold to States Recovery. States Recovery claims collection efforts were instructions from XXXX XXXX and they did not buy the debt. These are deceptive practices, States Recovery are unable to provide me with any kind of information regarding a debt. They are not suppose to impose interest charges on a debt especially if they are unable to provide statements. I have tried to settle this debt but they refused to work with me. They continued to harass me at work, call different branches to find the exact branch I work, even after I told them to stop calling me at work and I have given them my cell phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 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: NV

Complaint narrative:
Date XX/XX/XXXX On XX/XX/XXXX, we took a second loan out on our home from XXXX. XXXX created a Deed of Trust which was recorded on XX/XX/XXXX with the XXXX. Per documentation, we were paying XXXX, and then we started to pay Bayview XXXX XXXX for this loan. On XX/XX/XXXX, Bayview Loan Servicing recorded a Substitution of Trustee and Full Reconveyance with the XXXX This document states ; the undersigned does hereby affirm that this document submitted for recording does not contain personal information about any person. Mortgage Electronic Registration Systems INC as nominee for XXXX XXXX, it 's successors and Assigns is the present Beneficiary of that certain Deed of Trust dated XX/XX/XXXX made by XXXX and XXXX XXXX, husband and wife as joint tenants as XXXX with XXXX as trustee for the benefit of XXXX as original Beneficiary which said Deed of Trust was recorded on XX/XX/XXXX. Wherein said present Beneficiary hereby substitute Bayview Loan Servicing XXXX as trustee of the named trustee under said Deed of Trust. 
We request that Bayview Loan Servicing LLC answer our questions below in writing and provide documentation. 
First, per these documents, Bayview Loan Servicing was not the lender of our mortgage, is this correct? 
Second, even though XXXX was the nominee for XXXX, was XXXX still the investor of our mortgage loan? 
Third, who did Bayview Loan Servicing pay our monthly mortgage payments too, for how much and what were the dates when payments were made? Please provide documentation! 
XXXX, if XXXX sold this note to another investor, please provide an assignment of Deed of Trust that proves that XXXX sold it, on what day and too whom!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
I enrolled with XXXX XXXX many years ago ( XXXX )? and have never received any documentation about my payments, despite asking repeatedly. I have now discovered that they were not making accelerated payments as described in their literature/contract, and I have not made headway on my mortage as expected. I have since dropped out of the program but want to ensure that I am part of the agreed upon settlement between the company and consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
I am selling my house as a " short sale '' and an offer was made on the house in XXXX. However, the financial institution ( Bayview ) has not made a decision to accept the offer. It has been five months and I am in limbo and would like to move forward. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I used " western union '' service today to send money. After i completed money transfer page and provided my bank routing and account numbers to transfer money from i clicked " transfer ''. Then there appeared next window asking me to provide my login and password for my online banking " FOR VERIFICATION ''. 
I clicked " cancel ''. Then it was " if you cancel, this transaction will not be completed ''. 
I clicked to " cancel ''. Then next window appeared saying " your transaction is successful and complete ''. 
So, this is clearly fraud! They are asking people for online banking login and password " for verification reasons ''. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 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: CO

Complaint narrative:
On each of the mortgage statements from Bayview Loan Servicing for XXXX, XXXX, and XXXX 2015 is an added {$75.00} charge. The line in Account Information says " XXXX XXXX XXXX. '' The XXXX statement has a line in Transaction Activity for XXXX/XXXX/15 that says, " Miscellaneous foreclosure, Bankruptcy and XXXX Expense Disbursement. '' The other XXXX statements show no payout activity related to the charges. 
We are not in foreclosure or bankruptcy and our house is not a XXXX property. Therefore the charges are inappropriate. 
In addition, as of XXXX XXXX, 2015 Bayview is no longer including our outstanding balance on their statements, thereby denying us the ability to identify or evaluate any charges or balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This creditor did not send any information for me to dispute this before they began to report on my credit reports. 
This company should provide proof of agreement or contract that I received their services and then violated them before putting false information on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: OK

Complaint narrative:
I received an original medical bill of {$570.00} from XXXX XXXX ER. AMCOL collections then acquired that debt, but issued a collection to me for {$570.00}. I had already paid the {$570.00}. I have documentation to prove this. I spoke with them on the phone about this and they confirmed that I did pay and that I am right. AMCOL is still reporting this debt on my credit reports, even though it is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Midway Resolution Services LLC
State: MI

Complaint narrative:
I have been contacted by several phone numbers that come up in google scam complaints as XXXX XXXX they call me excessively with recorded messages for months that I have fraud charges against me and will be receiving a subpoena. I phoned back with an attorney and all they would tell us is that it 's a XXXX XXXX from like 2010 (? ) for like XXXX. I have never had a XXXX XXXX and have never received any notice about this in the mail. They told my lawyer they would see me in court yet I still have never gotten any subpoena and they continue to call from various phone numbers with recorded messages.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: AL

Complaint narrative:
This is the 3rd instance where I 'm sending an international money transfer with Western Union and there is a screen asking for bank username and password. I have notified Western Union and they reported that there is no such request from their website and have not been willing to follow up with this and resolve it. My bank account was just compromised and this is the only website that had access due to this screen built in. I took a screenshot this time to prove it. The company should be fined or shut down for encouraging data theft and not investigating it properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DE

Complaint narrative:
We were defrauded {$5000.00} from the middle of XXXX 2014 to XXXX 2014, by applying for a loan modification thru XXXX XXXX XXXX. That was cash money. We were finally able to speak to a real XXXX modification officer. They in turn, had XXXX XXXX XXXX to handle the modification. We paid them {$4100.00}, and were " approved '' for a loan modification thru Bayview Loan Servicing. We have paid them {$2900.00}. We have been trying to get Bayview to correct our address. We live in DE, they have a CA address. We can not access their online system, saying our loan number does not exist. In the meantime, we have received XXXX letters in the mail from XXXX XXXX stating our mortgage has been modified. We have received NOTHING from Bayview concerning our mortgage. Two weeks ago, we received a letter from the Attorney Generals Office ( DE ) stating XXXX XXXX is not licensed to practice law in DE. We have just copied a stack of correspondence to be sent to DOJ. We do n't know if we have a mortgage, if we should find an address for them to mail payments to ...???? We are at a total loss

Company response to consumer: Closed with explanation