vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I was applying for a loan yesterday when I was told by the loan officer that there was a collection item on my credit report for {$36.00}. I was given the collection company 's name and phone number and I proceeded to call Quality Asset Recovery immediately. I was told by the collector that the debt was for a medical XXXX and that I now owed {$38.00}. I asked why I was never sent a invoice from the collection company for I have lived at the same address for over 14 years and he had no response but to tell me I must have been billed from the XXXX party. So I immediately paid the bill over the phone with the collection company to get this item off my credit report and then called the XXXX party company to find out what happened? For I have had the same medical insurance ( HMO ) for over 16 years and with my HMO I am only responsible for paying co-pays so I do n't know why I would be charged in the first place? After talking with the customer service representative from the XXXX I was told the debt was from XXXX and that they did n't find it until XXXX and that because it was a billing error that I was only sent ONE bill which was printed on XXXX/XXXX/XXXX and mailed out a few days later. I was also told that the debt of {$18.00} and that I should have only paid the collection company that amount. So know I am really getting upset for the bill is supposedly from XXXX, I only was mailed XXXX invoice and now I just paid over 100 % of the initial debt owed. I did n't know a collection company had the right to charge over a 100 % in collection fees. And again the company ca n't use the excuse that some of that money was used to try and contact me for I had received NOTHING from Quality Asset Recovery, which again was confirmed by the collection representative that I spoke with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-10-26 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: KEYCORP
State: IN

Complaint narrative:
In XXXX, 2016, I was contacted by XXXX and offered me to rent my time share weeks from my XXXX in XXXX. After they made a very attractive financial offer of {$70000.00} dollars, I accepted and signed a contract. In the contract, I agreed to pay in advance,. {$16000.00} for the usage/maintenance fees. After I called the XXXX to clarify about this advanced payment, I told them that I did n't have this money. They told me that if I did n't have the money I would sued for breech of contract. After feeling intimidated, I wired them {$8500.00}. They told me that I needed to send them the rest of the money or else I would be sued by their lawyers and I would have to pay a penalty of 10 % of the total amount offered for 18 weeks of rental of my time share that I originally agreed to rent. 
I recalled my wired money through my bank after I suspected fraud. After almost four weeks, I am not able to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GMFS, LLC
State: LA

Complaint narrative:
I had been sending weekly payments to the mortgage company which basically were one quarter of the monthly payment. The mortgage company accepted these for many months, reconciling at the end of each month and applying the funds to the mortgage. This last month they started to send the checks back and requesting a full payment. I would deposit the check and then re-schedule the payment again. After receiving all these payments and returning them, they sent a past due notice with finance charges. Today I receive a notice that they will take action to collect a debt. All the while receiving and returning my funds. 1. They are violating the law regarding no penalty for prepayment, since my weekly payments added up to an amount greater then my monthly payment and 2 ) I am being singled out by someone internally who wants to make a point. Actions to collect funds should be sent to those who default, not a citizen who has been making payments that were previusly accepted to this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This debt is related to an XXXX admission that occurred in 2010 at XXXX XXXX, XXXX. I do not remember the exact circumstances, but has an idea which i remember, and the facts my wife has explained to me. 
I was discharged XXXX following the morning admission, despite the protest from my wife, who is an XXXX She protested the discharge as I still had XXXX. Despite her protest, I was discharged. I then had XXXX which occured following a XXXX. 
In the evening, I was returned XXXX and again I was admitted XXXX. As far as I know, it was a weekend and from the XXXX, I was in the hall way as there was no room, or so. I was in XXXX until I was readmitted. 
The same admission had XXXX XXXX visits XXXX in the morning and the next XXXX in the evening. On the initial admission, I was discharged before XXXX, and only to return to the hospital by evening. The second admission resulted in the hospital stay, but for the same problem. 
As per my insurance coverage, XXXX is completely covered, but as the same admission had XXXX XXXX, Insurance paid only a portion. 
I initially had a bill from XXXX for the amount the collection Agency is billing. To that bill, I send by complaint, and I did not had any further bills or notices from the XXXX. And after an XXXX of three or four years, I had a notice from the collection agency. Though I informed the collection agency by phone and in writing, I again has notices and calls. Hence, I request CFPB to look into this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
This account has been paid in full and should be removed from my account please verify and update my account

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 2016-08-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK
State: MA

Complaint narrative:
I am being harassed consistently by this company. I work as a XXXX 84 hours a week for XXXX of Massachusetts and my client needs XXXX. This means I need my sleep and the call at all hours of the night and her ASPI. They have also recently contacted my employer 's mother and used public records of an incident years ago to negatively impact her judgment on my character. I am feeling unsafe as they have showed up at my house and I am upset. I have all sorts of documentation and even screenshots and texts

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Arbor Residential Mortgage LLC
State: TX

Complaint narrative:
we purchased a manufactured home in XXXX and obtained fha financing. To date-Tax records do not show our property as real property- they only have it listed for XXXX for the land value. We have tried since XXXX to get the original mortgage company ( XXXX ) to correct documents and file with the tax office. Until this is completed we are not able to file for homestead or over XXXX exemption. We also applied for a loss mitigation and were denied due to unresolved liens shown on the title search. all of the liens showing were for similar names and not ours but they were unable to correct the deeds and used that as excuse for denying the loan. They were already in the process of trying to foreclose but were not able due to title issue. in XXXX XXXX, we were sued by XXXX XXXX, Tx for unpaid taxes on the manufacutured home which was still listed in the previous owners name. We could not get XXXX to pay the taxes until we contacted HUD. they in turn contacted XXXX and told them they needed to pay the taxes. In order not to lose our home we had to file chapter XXXX bk and started making payments again. Once our loan was sold to Loan Care- our payments were increased from XXXX to XXXX due to the escrow shortgage, We were not able to pay the increased amount. Once loan was sold to Seneca, Our payment were then again dropped back to XXXX, But they would not allow us to make payment unless we paid the full arreage. They will also not speak with us since we have filed Chapter XXXX and state they can only talk to Trustee for BK- So here we are 5 years later without a home listed in the tax records. I have attached copies of all tax records, letters, petition for suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TCF NATIONAL BANK
State: MD

Complaint narrative:
Sent a letter however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Gateway One '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kevin B. Wilson Law Offices
State: FL

Complaint narrative:
My father incurred medical bills due to a XXXX. We have the same name. He is XXXX and I am XXXX. The collection agency keeps sending me the bills

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 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
My mortgage servicing was transferred to Roundpoint Mortgage Servicing soon after issuance of the mortgage on XXXX/XXXX/16. Since that time, we 've run into many issues with Roundpoint including related to getting our address changed ( refusal to recognize the correct address ( same as our mortgage property ) ), threatening to force place homeowner 's insurance on the property despite having provided documentation numerous times supporting adequate insurance coverage, and now the realization that they have force-placed flood insurance on our property despite providing proof of insurance on the property which is provided to the entire building through our condominium association. Proof of this insurance was required to obtain our mortgage in the first place. I would have never known that Round Point had done this except for browsing through detailed escrow withdrawal explanations online -- and they withdrew {$1800.00} from my escrow account without any notification, and despite the fact that they have proof of adequate flood coverage through my condominium association, which we pay monthly as part of our dues.

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 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK
State: AZ

Complaint narrative:
I had several items hit my account this week, I knew I would have a couple overdraft charges and was fine with that as I needed to go over and accounted for it. I did not account for XXXX overdrafts!!! I am charged almost {$200.00} in fees XXXX of which were not even putting me in overdraft, they give a bogus reason of it might have caused an overdraft and still charged me the fees but I was not negative except in the hold which also makes no sense. I should have gotten XXXX fees at the most, not XXXX!!! They always do this and it seems so unethical and wrong, how can they charge me when I had the money just for a hold?!!!!

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 2016-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: NY

Complaint narrative:
I opened a checking account with various requirements to receive a {$200.00} cash back promotion. I satisfied the requirements and after XXXX phone calls and XXXX visits to the branch over the course of more than a month the reward has not been deposited into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: INTERNATIONAL CITY MORTGAGE
State: VI

Complaint narrative:
I went through the entire process, submitted everything that I was asked, signed a contract, filled out application, got my credit pulled twice and basicall did everything I was asked to do. While waiting for the process to be completed, I sensed that there was something wrong with the process. I signed my contract the XXXX of XXXX XXXX and my credit was pulled, which was n't a problem, however the representative XXXX XXXX XXXX also known as XXXX ) asked me for my bank statements and check stubs every month ( even up until XXXX of this year XXXX XXXX ) ). The amount of excuses I received and the lack of professionalism was what made me realize that something is seriously wrong. Myself and my boyfriend, who was applying with me, made contact with another lender who explained the process but it still never added up to the amount of time spent doing the process. I asked that everything that the company did for my loan be sent to a lender who I trusted to look over everything and Now 7 months down the company is telling me they are not closing my loan and that the company is not renewing their license for the XX/XX/XXXX year. Apparently, there seems to be a lot of fraudulent activities that has been going on with the employees or persons for International City Mortgage. I also went as far trying to find someone else to close the loan but i will have to do the entire process over, which i would have done but the company ( ICM ) is refusing to remove any of the hard inquires that they placed on my credit. I learned they are not even Licenses in the XXXX XXXX to do business. However, throughout the process I asked that everything be put in writing or email to me therefore I have XXXX trail on everything. There is just a lot that 's been going on with this company and the people that are a part of it. 

If you need any of the emails, I would be happy to forward them to you.

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 2016-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
Roundpoint mortgage did several dubious things while processing my PMI removal request which costed me more than {$2000.00} and extreme amount of stress. I submitted the request in XXXX of 2015, RPM took painfully long time to process my request. They sent appraiser who did n't calculate the Square footage correctly ( XXXX SQFT ). 
Roundpount mortgage never took my calls seriously. It took them 6 months to initiate the request again with multiple followups and more than XXXX calls. 

They even lost my faxes ( Which has social security number mentioned ). 

Overall it took them more than an year to process a simple request which costed me more than {$2000.00}. 

I dont feel that my records and financial information is safe with rountpoint mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 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: OR

Complaint narrative:
This company continued to attempt to collect on a move out fee that was paid prior to being submitted into collections. After sending proof that the debt was not owed they still attempted to collect and refused to remove the collection from my credit. This caused an issue due to me attempting to put through a house loan at the time. According to their online reviews this is not the first time they have attempted to wrongfully collect a debt.

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 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have never had an XXXX account.

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 2015-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
On XXXX/XXXX/2015 there was a withdrawal for {$3100.00} made on my account at a branch in XXXX, GA. This was a fraudulent withdrawal and I made initial contact with the bank on the day of the transaction. On initial contact on XX/XX/XXXX I was given on confirmation number of a fraud claim, on XX/XX/XXXX I went into the branch where the associate assured me a fraud claim had been initiated. I was out of the country from XX/XX/XXXX to XX/XX/XXXX on my XXXX. Upon returning I discovered the fraud claim had not been opened. This was odd since my checking account no longer appeared in my online banking and on XX/XX/XXXX when I visited the branch the associate confirmed my account had been flagged for fraud. 

On XX/XX/XXXX after XXXX hours in the branch we opened up a new fraud claim and it is now XX/XX/XXXX and I have received no contact other than on the day of XX/XX/XXXX from a fraud investigator. Several things stand out ... I was shown the withdrawal slip that was used in the fraud transaction:1. my last name was misspelled2. the teller wrote down a driver license number that was not mine on the slip3. The signature looked nothing like my signature ( what is the point of signature cards? ) 4. I have never previously withdrawn anything of that magnitude from a teller window transaction. 

And yet it has taken SunTrust nearly a month to process this fraud claim and no one at the company can tell me when I will have my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX 's collection agency, XXXX XXXX XXXX, is incorrectly reporting a {$0.00} balance collection on my credit bureau reports which is negatively affecting my credit. I 've disputed this matter with each credit bureau, but in their remarks they state that XXXX " meets FCRA requirements ''. XXXX XXXX XXXX website is broken or down so I do not have contact information to address them directly.

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 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a complaint to XXXX, TransUnion and XXXX and they verified the following accounts : XXXX XXXX credit cards, XXXX XXXX XXXX credit cards, and XXXX XXXX credit card. I sent them a request for the verification of the documentation they have on file for these creditors per section 611 ( 5 ) ( a ) of the FCRA. But they continue to report the information would providing me with the proof of " signed documentation '' from their systems. I sent the letter certified letter return receipt on XX/XX/2017 and I also faxed it on XX/XX/2017. Verification only required a 15 day turn around by law and none of the XXXX reporting agencies have responded to my request. Thank you for your time and consideration.

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 2016-09-03 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Regarding : # XXXX On XXXX XXXX, I got an email from the Ally escalations desk asking me to call them to resolve the above matter. I called thirteen times and each time was asked to leave a message as there was no one available. The next day, I got an email with another number. I called 7 times and again no ability to talk with the person responsible for resolving the case. This is a check for {$190000.00}, where they are holding my money and I have no access to it. Please help me expedite resolution. It 's taken hours of my time with no results.

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