vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-02 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: ProCollect, Inc.
State: NY

Complaint narrative:
Pro Collect Inc. sent me a memo stating they would accept % XXXX paid of the debit and close the account. After speaking with them over the telephone and confirming i was inform that they would report the account settlement as soon as possible. This did not happen, the account is still open and only reflects that i paid half when in fact the account should be reported closed and paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP
State: TX

Complaint narrative:
On XX/XX/2017, I called KeyBank and made a XXXX payment. ( payment cleared XX/XX/2017 ) I was told by the KeyBank representative when taking my bank information this payment would bring my account current and I would be due for the XX/XX/2017 payment. ( Recorded phone call will confirm this ) I then made arrangement with KeyBank for the XX/XX/2017 payment. 
On XX/XX/2017 I receive a certified " Notice of Default and Intention to Accelerate '' dated XX/XX/2017 from KeyBank 's attorney XXXX. The reinstatment amount in the letter was XXXX as of XX/XX/2017. ( Recall that Keybank accepted my XXXX payment on XX/XX/2017 and told me I was current. ) I also noticed my login with KeyBank has been " locked '' due for Security reasons. 
On XX/XX/2017 I called KeyBank and spoke with XXXX in the Real Estate / Collections department. I explained to him that I was current and confused on why I received a certified threatening letter from XXXX XXXX. I also told XXXX I was calling to make the XX/XX/2017 as pre-arranged. He told me the XX/XX/2017 payment ( XXXX ) has not been applied to my account ( just sitting there ). XXXX then stated, the KeyBank Representative that I spoke with on XX/XX/XXXX who also took my XXXX payment to bring my account current told me everything wrong. She lied he indicated. XXXX now told me I had to call attorney office of XXXX and request a reinstatment letter. XXXX futher went on to say that I had to pay with certified funds only. This is really unsettling considering the Notice of Default that I just received makes no indication of this " certified funds '' request or has any KeyBank employee ever told me I had to pay with " certified funds. '' I went on to explain to XXXX that my funds cleared my bank on XX/XX/2017 and the XXXX payment was good and thus, " certified ''. Again, I explained to XXXX I was not delinquent. XXXX then went on to say KeyBank will be mailing my XXXX back in the mail. XXXX appeared to have no clue on the status of the payment and a check being mailed. 
I am not sure why Key Bank is treating me like this. I paid the account current, Keybank took and accepted the payment on XX/XX/2017. I never heard from XXXX after the XX/XX/2017 payment was accepted until I unexpectedly received the " Notice of Default '' dated XX/XX/2017. I have always told Keybank I am keeping the house, I live in the house and I want to work with them. I also mailed a Modification packet to Keybank at the end of last year and now Key Bank has told me they have no proof of receipt. Also, during my phone call with XXXX XXXX he started to get an upset, loud and then he hung up on me during the conversation. ( recorded conversation will confirm ) I called right back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: CT

Complaint narrative:
I am trying to close a line of credit with Key Bank ( formerly First Niagara ). The process has dragged on for more than 30 days. I can not open another line of credit at my new bank because the lien on my Key Bank account is still on file with the State of Connecticut ( where I live ). Agreed upon account termination timelines have gone unmet despite promises from well-meaning staff at my local branch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TCF NATIONAL BANK
State: NH

Complaint narrative:
I am not a minor. The bill collector called my parents and told them I was behind on my car and how much I owed. I contacted the company and advised them that they violated my right by calling a number they were previously told not to call and then have out my private financial information. They just did the same thing again. So they have been told multiple time not to call my parents, they still have, and now on two occasions have discussed my personal financial information and debt with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Valentine and Kebartas, Inc.
State: CA

Complaint narrative:
Several months ago, Valentine and Kebartas, Inc. ( VKI ) began contacting me using my work cell phone number regarding the collection of a student loan debt that is not mine ( I have never carried a debt related to student fees or tuition and this simply can not be my debt ). Each time I was contacted ( at least XXXX times in the past 4 months ) I responded by indicating that, while I have the same first and last name of the individual they are seeking, I am not that person. We have different middle names, we live in different states, and we have different social security numbers ( why would I know that? see below ). In some cases their telephone representatives were rude and dismissive. In XXXX case, their telephone representative hung up on me. 

Despite my repeated attempts to dispute the claim and assert that I am not the debtor, VKI has continued to contact me by calling the main reception line at my workplace and by sending " orders of withholding from earning '' statements to my work address. These notices include the full name, address, social security number, and total amount currently due of the debtor they are seeking to collect from. 

At first I thought it was simply incompetence that led them to make repeated attempts to contact me via my work cell phone. When they began contacting our main reception line and sending XXXX Mail to my work address, I realized it is not incompetence. Through their repeated attempts to collect a debt from an individual who has made a good faith effort to inform them of their mistake, VKI has:XXXX. ) Demonstrated a clear and willful pattern of creditor harassmentXXXX. ) Negligently violated the privacy of the actual debtor by freely distributing that individual 's name, address, social security number, and " amount due '' XXXX. ) Negligently caused damage to my personal and professional reputation

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alacrity Collections Corporation
State: MD

Complaint narrative:
I paid a bill to XXXX XXXX XXXX and XXXX on XXXX/XXXX/2016. This payment was posted to my checking account on XXXX/XXXX/2016. As per XXXX at Patient Services, the payment processing service for XXXX XXXX XXXX and Imaging, their records confirm that my payment was received on XXXX/XXXX/2016 and the account was sent to collections on XXXX/XXXX/2016. As it is unlawful to attempt collection on an account that has been paid in full, I request an immediate investigation of this alleged violation of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KEYCORP
State: OR

Complaint narrative:
I am being harassed by debt collectors over debts owed by tenants who rented a room in my home over a decade ago. Most recently, " American Education Services '' / '' XXXX '' have been calling and sending letters demanding I give them contact info for the supposed debtor. ( Her mother was the tenant-of-record, and she was in middle school when they lived here. ) The letter says " he/she listed you as a personal reference that we could contact to verify his/her address and telephone number '', which is a LIE ( I do n't HAVE her current contact info, and would n't give it to these scumbags even if I knew it ). The letter arrived about a week AFTER they called me early one morning for this info, and thus AFTER I told them that I had NO current connection to the debtor AND that they were BREAKING THE LAW by continuing to harass me over debt I did n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: TCF NATIONAL BANK
State: NY

Complaint narrative:
We fell behind on a payment or two on auto loan they call me XXXX or XXXX times a day I called to find out what was the lowest payment I could pay they were very rude asking all kinds of personal questions I told them why do I owe so much because a girl from your company said she would defer a payment he said well we do n't do that by word of mouth and then preceded to say so why are you calling are you going to make a payment or not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: NY

Complaint narrative:
It 's been more than 90 days since I have completed the requirement for the {$300.00} checking account sign up bonus yet it has not posted yet. The original offer was Open a qualifying KeyBank checking account with the promotional code XXXX and receive a direct deposit of at least {$500.00} or more within 60 days of account opening and receive a sign up bonus of {$300.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
On XXXX XXXX 2016, my house was damaged by wind and hail. Because my mortgage is financed by TCF National Bank, the insurance company placed TCF and my name on a check for {$9000.00}. Assistant Vice President and Branch Lending Manager XXXX XXXX XXXX refuses to release the entire amount to me, even though I have provided all of the documentation he requested. Furthermore, when I spoke to him over the phone, he was EVERYTHING BUT HELPFUL ; he assume an arrogant, condescending, and patronizing tone and even had the gall to suggest that I was lying to him. It took a week to receive the checks to pay for materials and labor, and the checks amounted to {$600.00} short of the {$9000.00}.

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 2016-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
I have a mortgage that is serviced by Roundpoint Mortgage Servicing Corp. The loan was a refinance that originated in XXXX XXXX. We have been current on the mortgage ever since its inception, paying bi-weekly to reduce the overall lifetime cost of the loan. We reached 80 % loan to value ratio months ago, but Roundpoint refused to eliminate the mortgage insurance monthly premium until the loan was at least 2 years old. Currently, we are well beyond 2 years since the origination. This month XXXX XXXX XXXX XXXX, our loan principle reach 77.8 % LTV. Roundpoint 's website says that once a loan falls to 78 % LTV, the PMI ( mortgage insurance ) will automatically terminate. So, I just contacted them via phone to arrange this. Now they tell me that they will not remove the PMI until XXXX XXXX, when they " scheduled '' the loan to reach 78 % LTV. Because we have been paying bi-weekly since the loan 's inception, we reached 78 % earlier than they " scheduled '' it to occur. However, I feel this is arbitrary and nonsensical. Moreover, since XXXX facilitates my bi-weekly payments through automatic withdraw, they should have adjusted the date the loan was " scheduled '' to reach 78 % LTV accordingly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
( XXXX " XXXX '' XXXX a legal representative of Foster & Garbus XXXX XXXX XXXX XXXX XXXX New York XXXX Phone : XXXX or XXXX ) has made harassing phone calls within the course of three months with an attempt to collect a student loan debt in the amount of XXXX. XXXX XXXX called my home three weeks ago regarding this matter. I explained to him that I am unable to pay on my debt due to the fact that I am unemployed, XXXX and that I have an open case with Social Security XXXX Administration and I am waiting for a hearing date to meet with the judge regarding my claim. Which could take anywhere from six months to another year. Every time he calls I explain the same thing to him. He totally ignores my statement. Questioning my personal life. Asking me who I live with and if my significant other can pay my debt. I told him he wo n't its not his responsibility. XXXX XXXX also threaten to take legal action against me if I refuse to repay my debt. 
I guess he feels that he has the right to harass me. He does n't some should address this matter and inform him that it needs to stop. He call me today at XXXX today regarding my loan. I 'm keeping record of the amount of times he calls me. Thank you for your time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: TRUSTMARK CORPORATION
State: AL

Complaint narrative:
Bank Fraud I believe I was defrauded in my dealing with a financial establishment what was at that time known as XXXX and located in XXXX, Alabama. XXXX XXXX has sense been acquired by a different financial organization, Trust Mark of Mississippi. 
In dealing with Bank XXXX, I borrowed so called " money '' and gave a promissory note with a house and land as a surety. 

I have sense found out Bank XXXX did not loan me any money. The money they said they loaned me was created by my signature on the note. Their fraudulent bookkeeping made it appear as if they loaned me money. 

Unknown to me at that time, my note was treated as if it was a cashier 's check and deposited in their " transaction account ''. The so called money was then taken out of this account and placed into my loan account. This created the fraud. They said they were loaning me money when it was my money, that I created with my signature! So, the bank " loaned '' me nothing. The bank risked nothing! 

I returned more than the money they gave me. They returned my note. They did not return the money they made on my note while it was in their possession. My note was a negotiable instrument and through fraudulent dealing with me they kept the money made on my note. 

I want complete disclosure of their dealing with me and return of ALL the money they made off my note.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I thought I bought my van for XXXX plus XXXX percent for the loan ... so about XXXX. My goal was low payments I could afford so the dealer told me that if I paid a big chunk like when I got my tax return my payments would be lower. I even called Capitol One Auto Finance to confirm that. N they said the same thing. But, when I got my tax return and asked how much my payments would be if I paid a certain amount ... but, then they said they would stay the same. I was like ... but, that 's not what you guys and the dealer said a few months ago. N Cap. One was telling me that whatever representative I spoke to told me wrong. So I am stuck in these high payment amounts I really ca n't afford along with the high full coverage insurance and I have n't been able to refinance. ON TOP OF THAT I found out Cap. One actually charged me XXXX for the van when it was n't even worth the XXXX I thought I was buying it for! N I will make payment but the pay off will just stay the same OR GO BACK UP another XXXX! How can a company get away with charging more than twice what a vehicle is worth when ... if we get into an accident and total a car the insurance companies will only give us the cars blue book value or nada or whatever value. That is another complaint I have ... .I pay SO much for full coverage insurance. Over XXXX. Yet when I hit a deer years ago with my other van XXXX would only give me XXXX for a van I paid XXXX for. N now a XXXX driver ran into and did n't stop and I am being treated like a liar by XXXX ... I paid them for insurance not to make the heads of their company richer, but they sure are tight with their money when it is time to help ... or really just give us some of the money we paid them. It would be better to make special personal auto savings accounts because insurance companies take advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: OK

Complaint narrative:
I have a bill with XXXX. My insurance denied it due to not getting info from the doctors office. My doctor finally sent in what they wanted and it 's now in review for payment at the insurance. My insurance said that the review could take a while. It 's a XXXX that they have paid in full in the past. I keep getting phone calls several times a day even after letting them know it will get paid by insurance. Today XXXX/XXXX/16 during my wife 's XXXX they called repeatedly even after I told them what was going on and I could not talk to them at the moment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
I had an account with XXXX XXXX XXXX which I paid off in full. All my payments were sent directly to XXXX & I have all the receipts to prove it. There is this company Security Credit Systems Inc that has placed a hold on my XXXX account so that I can not get my crown replaced which I have paid for. Not only that they have reported this to credit agencies screwing up my credit. They say I owe them money. I DO NOT! I sent them a certified letter with return receipt so I know they got it refusing to pay them. I have never spoken with anyone from them nor received any kind of bill, statement or correspondence so I will not pay them. I expect this to be corrected immediately! Also, do n't you think its funny if I owed them money why they never sent me a bill for their " services ''. If XXXX paid them to collect a debt they got ripped off because I 've never heard of this company. Something I forgot to mention is I never knew I was in collections until I tried to make an appointment with XXXX an they told me I needed to settle with this company first. I 'm XXXX retired with a limited income I can not afford to pay for a crown twice & I should n't have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 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: First Credit Services Inc.
State: NY

Complaint narrative:
I had a passed due account for a gym membership at worlds gym that happened because my credit card # changed. The debt was in collections status when I knew about it in XXXX of 2015. Once I noticed that I owed {$250.00} I promptly went and paid XXXX {$250.00} on XXXX XXXX 2015. The account was sent to collections in XXXX 2015 on this gym contract that was paid in full. When I reviewed my free credit report I noticed this was still on my report. Now a year later my credit score is down XXXX points because XXXX forget to end my membership and never marked my account that way in there system. When I received a call in XXXX of 2015, I called worlds gym and asked has this been taken care of and they said yeah its a scammer. Now I 'm risking not getting a possible job opportunity because this looks bad on my credit which has dropped from XXXX in the last year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Orions Management Group, LLC
State: GA

Complaint narrative:
This company Orian Management from XXXX, CA employee by the name of XXXX called my job stating that he had some papers to serve for court and do he want me to serve them at my job or at my house. He also continues to call my cell pone harassing me over and over again. I DO NOT want them to call me again.

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