vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
1. Accounting practices at Roundpoint MTG are unbelieveable 2. The accounting has described my Storm water tax as a : MUD/Utility Tax Disbursement b : Ground Rent Disbursement. They keep on changing this in their accounting system 3. They have successfully sent the payments in once before to the tax department without problems, however this time then sent my payment to the tax department with some other XXXX and loan info and incorrect address to the tax department. The Tax department by law could not accept the payment as they had all the wrong information associated with the payment. 
4. I called the Roundpoint Mortgage to advise of this and the Customer Service rep said she would put a note into my account and it would take 3 to 5 days to resolve this. I gave them 6 days and called this morning only to find out from the Customer Service person, that they tried to call the Tax department on XXXX XXXX 2016, and the phone was disconnected. I called the Tax department before I called Roundpoint Mortgage ( they still have not received my tax payment ) and the number was working just fine. 
The Customer service person said that he could not find the phone number to the Tax Department, and I explained that the Tax Department sent you the same Notice that they sent me, and the Phone number is printed on the front of the notice very clearly. I then gave him the phone number. He said he would make a note of this in my account. 
... 
So now, my taxes are delinquent because Roundpoint Mortgage sent my money to the tax dept with the wrong info. I have called twice to Roundpoint Mortgage and they say that they are going to handle this, which apparently they are not and Customer Service reps keep telling me that they will make a note into my account. While this goes on, I am being charged interest on my taxes daily until they are paid. 
This mortgage company is supposed to be paying my taxes through my escrow account, which seems they ca n't even do this correctly. 
I have attached emails from the Tax Department, my Tax notice and a screen shot of the activity on my mortgage where you will see the lousy accounting. 
I have bought and sold XXXX houses in my life and this is the worst mortgage servicer I have ever dealt with. 
PLEASE HELP! 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX

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 2016-10-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
Lender is not licensed to do business in the State of New York as required by New York Banking Law Article IX and is charging interest and other fees not permitted under N.Y. Banking Law Article IX and is attempting to use a XXXX in an attempt to give its loans an appearance of legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX, XXXX XXXX XXXX XXXX XXXX, filed a foreclosure action against me and my husband. A Final Judgment of foreclosure was entered since we did not get notice of the hearing date. My husband and I were able to reinstate the loan in the amount of {$56000.00}, made payable to XXXX XXXX XXXX as the loan servicer. We were given the amount to reinstate the loan from Impac Mortgage Company since they were the trustee for this loan. The Final Judgment was vacated on XXXX/XXXX/XXXX, ( attached ) and we kept waiting to get the new payment amount, which never came through, despite repeated requests. ( attached ) Despite not having a new payment schedule, we kept paying whatever was requested initially : XXXX XXXX, XXXX - {$4100.00} - online payment XXXX XXXX, XXXX - {$5600.00} - online payment By XXXX of XXXX, the payment had gone up to {$19000.00}, which we could not pay. 
We kept receiving notices from Impac Mortgage Company to assist with the loan modification, and since we were getting nowhere with XXXX, so we contacted Impac Mortgage for the modification assistance. 
On three separate occasions, Impac Mortgage requested a fee for the modification, which was paid on the following : XXXX/XXXX/XXXX - {$2300.00} modification fee - {$1400.00} on a credit card and {$900.00} on another credit card. The loan modification actually went through and the paperwork was signed and submitted to XXXX XXXX XXXX with a payment amount of {$2200.00}, which was accepted as well as the second payment of {$2200.00}. I made the third payment of {$2200.00} ; however, XXXX XXXX XXXX refused to accept it. 
XXXX/XXXX/XXXX - {$2200.00} modification fee - credit card payment XXXX/XXXX/XXXX - {$2400.00} modification fee - paid by check ; everything was submitted as requested but Impact kept changing their mind of how they wanted the funds received. One letter stated the funds could be sent by check and then another correspondence was the funds had to be certified and/or wired. Even though a check was sent, it was then refused. 
By XXXX XXXX, another foreclosure action had been filed. We attended mediation where we were to submit the required documents. We then went to trial on XXXX XXXX, XXXX and we were given 150 days to complete the modification. Despite from the time of the first mediation in XXXX XXXX until XXXX XXXX, XXXX, we submitted the modification packet no less than 15 - 16 separate occasions Despite all of our efforts, we were notified on XXXX XXXX, XXXX that loan modification was not approved. feel as though I have been completely scammed by both XXXX XXXX XXXX and Impac Mortgage. Both kept dragging this process out and increasing the interest rate and the fees to make it impossible for us to keep our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Every month I send RoundPoint Mortgage Servicing Corp. an additional principal payment besides my monthly mortgage payment. I send RPMSC each month two different checks to avoid any confusion. One of the checks carries the inscription " additional principal. '' This is what it does with this extra payment : it places this additional principal payment every month in a " suspense/unapplied fund account. '' For instance, RPMSC received on XXXX XXXX and additional principal payment, it 's still on on a supense account as of XXXX XXXX. I had complained to the company several times about this and other problems without any success.

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 2017-01-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: KEYCORP
State: MI

Complaint narrative:
Institution KeyBankStudentLoansServicedbyXXXX KeyBankPrivateStudentLoanInterestRateIllegalInterestRate IncreasesXXXXXX/XX/XXXXinterestrate3.92 % XX/XX/XXXXinterestrate 3.94 % XX/XX/XXXXinterestrate4.16 % XX/XX/XXXXinterestrate 4.29 % XXXX INTEREST RATE INCREASES WITHIN 6 MONTHS MY CREDIT REPORTS FROM THE XXXX CREDIT BUREAUS SHOW MYSELF AS PRIMARY BORROW ON MY DAUGHTER 'S NON-FEDERAL STUDENT LOAN AND NOT THE CO-SIGNER

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I received a letter in the mail from the bank I chose for my first home loan stating that my monthly mortgage payment would need to be increased because there would n't be a sufficient amount to cover all expenses in the escrow account. It went up almost {$200.00} a month. This is after 3 months of payments since we bought the home. Our property tax situation has n't changed so I find it concerning that this happened. Should n't all the calculations have been done by closing to give us a correct monthly figure?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I received an email yesterday ( XXXX/XXXX/15 ) stating my application for a loan was approved but they needed to verify information. I did not answer as I am a XXXX and did n't see the original email until later. I received a second email informing me that my loan cleared and would be funded to log into my account. I realized that I also had 5 missed calls from the same company. When I called I was asked for my social security number and date of birth. I refused and told them I did n't apply for a loan nor did I want one. I was told that I did apply and they could n't help me without my personal information. I asked for a supervisor and the same person returned to the phone and said the same thing. I logged into the website and there were loan documents that I supposedly signed. My name is not correct, nor my address. The IP address that I supposedly signed is not in the state that I am currently residing nor a city that I ever lived in or visited through a cable company that I have never used. I called my bank to close my account and I had to wait until today when the branch I opened the account with opened for business. I check my account this morning and this scam loan has funded to my account. I called, and emailed the company ( Castle PayDay ) and they refuse to help me stating that I did apply and except the loan. I am a teacher and I was in school in a conference with other people in a different state when I supposedly signed this document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: AZ

Complaint narrative:
THE COLLECTION AGENCY IS ATTEMPTING TO COLLECT ON AN ACCOUNT THAT WAS CHARGED OFF BY THE ORIGINAL CREDITOR IN 2005

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CT

Complaint narrative:
ERC ( Enhanced Recovery Company ), is in possession of a XXXX XXXX loan, according to XXXX records. Despite some fraud charges and items/orders I did not receive, I 've attempted to make payment arrangements. However, XXXX XXXX reps would not lower payment amount due. They insisted on a payment plan, but a payment plan or arrangement does not lower actual amount due nor does it waive any late or over limit fees. They were or are attempted to collect a minimum payment of well over XXXX, a VERY unreasonable amount considering the fraud/missing orders and or items. The fraud aspect of the account is due to a cousin with almost an identical name, XXXX XXXX. My name is XXXX XXXX XXXX, he does not have a middle initial or does not use one. He placed a number of orders with an XXXX, orders running into the XXXX. There are also some orders which I did not receive, however, I do not have the company names available to me as I do not have a full accounting of past orders. I do know the majority of the balance is from an XXXX, jewelry orders. This is fraud. He used my computer to go on XXXX, placed the orders without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: RI

Complaint narrative:
I took out a loan with Big Picture Loans and have them paying a little extra but it is n't coming off the principal it is staying the same. Plus my payment is suppose to be {$160.00} which my and they took out {$170.00}. Plus my loan application date changes every day. I only completed XXXX application and only received money XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: OH

Complaint narrative:
Debt Collector is still reporting debt that they state they submitted a request to be deleted in 2014

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 2017-01-12 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Big Picture Loans, LLC
State: MI

Complaint narrative:
I started the loan process but I did not finalize it. Then later I find out they sent the money to my bank account {$400.00} and are taking {$140.00} out three times so far. I had bank stop the transactions but informed me that it is very hard to stop the transactions. This is Big Picture Loans ( formerly known as Castle Payday ) is a short-term loan company offering installment, or personal, loans. This is one of several loan companies operated by the XXXX, a federally-recognized American Indian Tribe. ( In 2014, a US District Judge ruled that the FTC has authority to regulate certain arms of Indian Tribes, including payday loan companies operating under Tribal Law. If you feel that you have fallen victim to a predatory lender, even one claiming Indian tribal affiliation, we advise you file a complaint with the Consumer Financial Protection Bureau ) So that is what I am doing right now, filing a complaint to get this stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 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: ERC
State: TX

Complaint narrative:
Pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I sent a Certified Collection Validation Letter to ERC on XXXX XXXX, 2016. As of XXXX XXXX, 2016. They did not reply to my request therefore this account should be removed from all XXXX credit bureaus. The told the bureaus it was valid however they refused to provide proof. 

As a result the account should have been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: VA

Complaint narrative:
These people are trying to open and put XXXX items that were closed and removed off my credit report.it was removed by this company on XXXX XXXX 2015.these people are messing my credit up.I do n't get any were with them.every time I apply for something it shows on my report that they it open.these people can not open something that has been removed for your credit report.also asked bout the birthdate on XXXX credit report they have my birthday incorrect.

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 2016-12-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Global Lending Services LLC
State: SC

Complaint narrative:
I filed for bankruptcy, gave them my attorney 's information but they still call me 4-6 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ERC
State: AZ

Complaint narrative:
In the matter of : XXXX XXXX XXXX Chapter XXXX Bankruptcy Case No. XXXX Discharge Date : XXXX XXXX, 2014 After reviewing my credit report I have found information, which needs corrected. ERC is illegally reporting a collection on my credit report due to the account being discharged in my Chapter XXXX bankruptcy. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report. I am also enclosing a copy of my discharge of debtor form following completion of my Chapter XXXX bankruptcy, discharged on XXXX XXXX, 2014. 

The account ERC is illegally attempting to collect on is as follows : XXXX XXXX XXXX. XXXX XXXX, IL XXXX Amount of dispute - {$240.00} Reference # XXXX Collection attempts on a discharged debt is a violation of the FCRA and a violation of the permanent injunction of my discharge. I am requesting that the item be deleted to correct the information. Thank you for your assistance with this matter. 
Here is the contact information for my bankruptcy lawyer XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Arizona XXXX XXXX : XXXX Fax : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: MO

Complaint narrative:
This debt is from XXXX XXXX and does not belong to me. This debt has previously been deleted from my credit report from another collection agency due to not being my debt. My dissolution of marriage ( MO case number XXXX ) states that my ex wife is now responsible for this debt and not me.

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 2016-03-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My bank has been changing the order transactions come in so that they are able to charge additional overdraft fees. I have a branch manager that has been helping me to credit each time but this is now the XXXX overdraft fee they attempted to charge. A recent example is I had my direct deposit go through this morning and the rent check that was deposited yesterday after business showed that it came in before the direct deposit and a {$36.00} fee was charged. 

I do n't keep a lot of funds in this checking account as there is no interest for having it there. Therefore ; I monitored my accounts daily and as of XXXX yesterday ; they account had {$300.00} available. The next morning I looked and noticed they jumped the rent check XXXX-XXXX transactions down along with the overdraft fee. This has been happening a lot more recently and needs to be investigated.

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 2015-12-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: FL

Complaint narrative:
I have been battling with AES since XX/XX/XXXX. I informed them that due to the lack of hours at my current employer, I could no longer afford to pay {$710.00} per month and I was currently in the process of obtaining a XXXX job. I even offered an amount of roughly half the monthly amount ( which would be extremely pushing my monthly budget ). Most recently I have sent multiple letters to AES and their XXXX party collection group XXXX XXXX, requesting that they send the original copies of all documents proving that this " debt '' is valid. The only responces I have received from AES is the current balances on each of the individual XXXX loans. AES continues to harrass myself and the co-signer which happens to be my retired father. I have tried working out a reasonable solution with AES which they refuse to budge because it is considered " private student loan ''. Per their records, I have paid {$34000.00} ( {$23000.00} in interest, {$10000.00} in principle and {$10.00} in late fees ) since I have been in repayment. How is that possible when the original amount on these alleged loans is {$62000.00} but the current balance is {$81000.00}? AES yet again fails to provide any copies of documentation from the years XX/XX/XXXX-XX/XX/XXXX that shows any signatures from myself and/or co-signer validating the alleged XXXX loans. However, they continue to send emails stating pay now or your credit rating will be affected or place calls to my contact number on Saturdays and Sundays when their office is closed ( business hours are XXXX XXXX through XXXX XXXX Monday through Friday EST, per their emails/letters ). At this point I am considering filing Bankruptcy due to the lack of relief from the alleged loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: OH

Complaint narrative:
Payoff payment was incorrectly applied to multiple loans rather than being applied to a single loan for payoff. I contacted AES about the incorrect payment application and they responded that it would take 7-10 days to correct the misapplied payment. After 10 days the payment was still not correctly applied and the loan, which should have been closed at this point, was still open with a balance and continued reflecting on my cosigner 's credit report and my credit report. This was after multiple phone calls during the 10 day period in which they assured me the payment would be properly applied. On my most recent call the original representative would not transfer me to a supervisor. After being transferred to another representative and waiting, I was finally transferred to a supervisor. The supervisor informed me that it was not possible for them to immediately apply the payment. AES was not able to correct the misapplied payment and the loan is still showing as outstanding, affecting both mine and my cosigner 's credit report and score.

Company response to consumer: Closed with non-monetary relief