vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: FL

Complaint narrative:
I switched service from AT & t to T- mobile when they were running a promo when to find out that they did not pay for everything So XXXX XXXX XXXX XXXX my balance due to a collection agency for 6 months I paid XXXX a month then after 6 months another collection agency gets it and wants the same amount of {$3100.00} and they say I did not pay so I ask for proof they never call back now it dropped my credit score XXXX points I need to get this off my credit report ENHANCED RECOVERY CORP Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-01 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: CA

Complaint narrative:
I am complaining about how XXXX is handling a mistake that they made which is affecting my credit, as they are not making any effort to resolve the issue after several months of attempts by me to get to resolved. All of the effort is on me to get them to fix their mistake. I already had XXXX service in XXXX with XXXX lines. After making sure the service worked OK, I ported my XXXX XXXX numbers to XXXX. In XXXX XXXX, I wanted to add a XXXX line to my Family Plan, where a XXXX line would be only {$10.00} per month, plus the cost of financing the cheapest smartphone ( adding about {$5.00} per month XXXX. I did this in a store. They made a mistake and created a new account instead of adding to my existing account. When I realized this, I called to get it corrected. Instead of moving the phone and service over, they billed me for the phone and calling plan in its entirety, as though I wanted a new phone and a one month plan. Even after XXXX months, that barely comes to {$170.00}, but their billing to me was for a single month of service and the phone. I called again and thought it was resolved. Meanwhile, the XXXX line was working on my Family Plan. Then, in XXXX XXXX, I got a collection notice. I will summarize the rest in saying I made literally hours of calls multiple times, and in XXXX cases got escalated to " supervisors '' that said they understood and could resolve the issue. Nothing has been done. XXXX reps claim that the charges have been " validated '', meaning they did nothing to look into it. XXXX isolates that credit group from the public so there is no way to speak with them, and there is no way to get it resolve. I have sent a written dispute and they changed to yet another collection company ( that is owned by XXXX ), and they are offering no time to resolution nor anyone to contact. After XXXX months and hours of my time, my credit is still affected and I can not make a home purchase. Their reps have no clue what to do, and their hidden " accounts receivable '' or " collection '' group does nothing. This should not be legal, and their mistake should not be my burden to exert such effort for. If I charged them how they charge me, they should owe me about {$150.00}. I am filing a complaint because there needs to be repercussions for this sort of behavior. My only other option appears to be suing them, but with that, there is no record of a consumer complaint. I have paperwork supporting my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 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: FL

Complaint narrative:
THIS DEBT IS NOT OWNED BY ME. I HAVE BEEN A CLIENT OF XXXX SINCE XX/XX/XXXX AND HAVE THE SAME PHONE NUMBER REGISTERED WITH XXXX. I WOULD NEVER CONTRACT TO XXXX AS I DISLIKE THE SERVICE AND HAVE NOT FORGOTTEN MY XXXX EXPERIENCE WITH THAT COMPANY IN XX/XX/XXXX. PLEASE PROVIDE FULL VALIDATION FOR THIS ACCOUNT ; SIGNED CONTRACTUAL AGREEMENT ; WHERE THE ACCOUNT WAS OPENDED ; HOW IT WAS OPENED ; HOW THE SERVICE CHARGES WAS PAID ETC.,

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 2016-10-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
TransUnion and XXXX are not putting down in my credit report the history of my mortgage payment with XXXX XXXX I have this mortgage since XXXX XXXX have never been late on a payment and XXXX XXXX claims they 're reporting to the credit bureau which I do not believe.I went to one branch in XXXX last Thursday and lie to me in my face. In XXXX I filed Chapter XXXX I finish 2 years ago so Iam trying to rebuild my credit but XXXX XXXX it 's holding me back.please help me. Sincerely yours XXXX XXXX. Account number with XXXX 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 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: ERC
State: FL

Complaint narrative:
Contacted ERC XXXX/XXXX/2017 to request information on Account # XXXX which is showing on my credit report. The account has a {$0.00} balance and is showing PAID to this collection action. This company has no record of this account. I am requesting this account and history information removed from my credit history, all XXXX agencies. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
We received solicitation from our mortgage lender Impac to contact them regarding extending our loan modification We called were sent an application and submitted all requested documents. We then received a letter stating that the Loan Modification had been approved on XXXX XXXX, 2015. We signed the letter agreeing to the terms and were told the documents would be delivered within 1-3 weeks. We called Impac and emailed several times as documents were never received. We were told that there was a back log at the servicer XXXX and to wait. We were then called and advised that XXXX was caught up and wait. Then we were told that in order to get the documents we had to apply on the XXXX web site and to submit the approval with the documents and they would push the file through based on the approval. We did as instructed with XXXX who kept asking for the same documents over and over stalling the process and submitting the file under programs we never requested. We attempted to reach Impac several times with no return calls. Impac then stated that the approval was not an approval it was a proposal even though the document does not have that listed anywhere it clearly states " Approval '' Impac is doing a bait and switch here. Also XXXX then suggested we do a short sale which we have found is a clear violation of the Home loan Bill of Rights as a short sale can not be suggested after an loan approval has been granted. To date we have no loan documents for the approval of our loan modification. The approval will be attached.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP
State: PA

Complaint narrative:
I made a deposit at key Bank ATM funds are supposed to be and advertised of being available immediately however there ATM malfunctionined and after calling the branch when open following day was told yes there ATM balance was over and they did make a mistake however I have to wait 7-10 days for my deposit to be credited, not only did this anger me but the women I spoke with at the branch was highly unprofessional, spoke to me in a way that made me feel undervalued, underappreciated, and told me false info that I need to come into branch and file paper work to get my money back I also asked to speak with branch manager and was told that is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Valentine and Kebartas, Inc.
State: AZ

Complaint narrative:
I switched phone companies to save money and avoid the inconsistent information I was getting from XXXX 's employees. The new phone company advised they would pay off the final amount owed for the phone ( approximately XXXX ) but when they gave me the money for the final payment they failed to tell me that they used part of the money on my new phone. Therefore, they led me to believe that I would owe nothing, when in fact I now needed {$190.00} to pay to XXXX the first phone company. This collector ( for XXXX ) has continuously placed calls to me at all hours of the day. They usually call at least twice but usually about four to five times in a day. I have already received final bills from XXXX itself ( and only switched phones a few months ago ), as well as another letter from a collector explaining its collecting a debt. But they continue to place calls all day to me despite the fact it is receiving payments and was told incorrect information by both companies from the beginning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 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: TX

Complaint narrative:
I have a {$54000.00} student loan with key bank that is serviced through XXXX XXXX. I have tried for several years to get a lower monthly payment until my wife and I get higher paying jobs. I am willing to pay every month and did as well as I could but I came to a point where I was unable to pay for a couple of months. They then gave my loan over to a third company that I would have to deal with on top of XXXX XXXX and Key. I have asked repeatedly for any kind of assistance with lowering my payment, deferment or anything that could help my situation. I can not afford the {$450.00} payment and they are completely unwilling to help. I can not consolidate the loans because they loans are too big. My only options are a lower payment or bankruptcy which is something I sincerely do not want to do. I want to pay my debts but I can not right now. If there is anything that Key would be willing to do to lower my payment I will listen. Please help me with my student loan so that I can pay it. Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
my mortage co will not work withme

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 2016-10-14 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
On XXXX My financial advisor and myself contacted XXXX XXXX XXXX concerning account # XXXX. We spoke to a XXXX XXXX at Ext. XXXX. My financial advisor requested proof of debt, proof that they have the promissory note, date of first delinquency, License number for the State of Florida, and the Bond number in the State of Florida. XXXX XXXX could not provide any information and refused to do so. Instead he referred us to the companies website. Upon this conversation, we requested that they cease all collections attempt and to stop the foreclosure process as they have failed to provide the proper documents to justify their actions. I have repeatedly requested that they provide proof of debt and they have failed to do so. This collection company is attempting to foreclose on my property without providing legal documents. Furthermore, the date of first delinquency is sometime back in 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 2016-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: CA

Complaint narrative:
My husband and I split our mortgage payment. We XXXX made our payment, but mine was dated with last year 's date of 2015. XXXX mortgage sent my portion back stating it had the wrong date. I immediately bill paid the payment. I received a late fee of {$79.00} because my half of the mortgage payment was past their grace period. I tried to contact them via phone, but there is automated systems only. I contacted them via email explaining that my payment was n't late it was on time they returned it. That does not seem legal to me. Please advise me if this company can charge a late fee when they in fact receive payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
We are a restoration repair company, we performed repairs on a residential home due to water damage. The insurance company issued us a check with the homeowners name on the check and their mortgage company. We sent the check to the mortgage company, for their endorsement, so they could send back to us so we could deposit in our bank. Then the mortgage company kept the check because the homeowner 's had not made a mortgage payment in a year and a half. The mortgage company gave us false information to get us to mail them the check.

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 2017-01-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
This complaint was closed only because the company provided a response, I provided a response to the company and it was closed with the issue unresolved. Your complaint number is : # 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 2016-03-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
We need our : YEAR END TAX STATEMENT. We have not received it yet, from Roundpoint Mortgage Servicing Corporation. 
We called on XXXX/XXXX/16, We were told : in 3 business days, but we did not receive anything. We called again on XXXX/XXXX/16, left and message to be called back but never received a call. We called again on XXXX. XXXX, 2016. In desperation, we tried to set up an online account and were absolutely unable to do so. We also sent a certified letter a few days ago.

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 2016-11-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/2016, I began my annual XXXX shopping. I started by going to a Key Bank ATM and withdrawing {$400.00}, then went to a department store where I purchased slightly under {$200.00} worth of merchandise using my debit/ATM card. Following the same pattern I use nearly every year, I then went to a discount big box store and selected a couple of items, as well as XXXX gift cards worth {$300.00} each. Although I have done this every year for the past XXXX to XXXX years, using either the same debit card or a Key Bank credit card, the debit card was declined with the message that I should contact the issuing bank. I had more then XXXX times the amount of the charge in my account. I completed the purchase using my Key Bank credit card without any difficulty. 

When I returned home and called the issuing bank, using the customer service number on the back of the card, the automated system refused to recognize that such a card existed. Not only had Key Bank declined the purchase ; it had effectively canceled the card entirely, so much so that I was not permitted to talk to customer service. 

When I finally received a voice mail message from the fraud department of Key Bank, the message said to call back and gave me a reference number. I made the call, only to discover that the fraud department does not take calls and that the reference number was of no use to the customer service department to which the call was automatically forwarded. In other words, Key Bank had constructed a system which prevented me from using my own funds, completely blocked the card I had just used twice successfully, gave me a fake reference number and forced me to deal with someone who could provide only formulaic responses to my questions. 

The claim the customer service department made was that the purchase was blocked because it was an " unusual '' transaction. That was not true. As noted, I make the same kind of purchase every year using Key Bank cards, so Key Bank had the information it needed to know that the purchase was quite normal. In fact, it approved the credit card purchase, despite the fact that I use the credit card almost exclusively for online purchases, which this was not. Nor have I received any communication from the Key Bank fraud department about the credit card purchase, even after the fact. 

In addition, the customer service department informed me that my daily limit on the debit card is {$10000.00}. That is patently untrue ; it is inconceivable that one could make sufficient purchases to equal that amount when any large purchase is denied. 

In sum, Key Bank has constructed a system which denies me access to my own funds at the time I need those funds. The bank seems to believe that it has more right to my money than I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 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: ID

Complaint narrative:
I was not contacted by my orginal creditor, XXXX XXXX ; at this point it was sent to PROCOLLECT. I found out at the end of XXXX. I paid the debt IN FULL on XXXX XXXX, 2015. I was told I would recieve a paid in full letter and it would be removed from my credit report. This information was false, and cause me to be denied housing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
In 2014 my purse was stolen from me with all of my banking information inside of it including my Pin number and account information to the TCF bank. As I went in to try and close the account and get a new credit card the bank had explained to me that a fake check was deposited into my account for {$2500.00}. I then filed a claim and a police report and also got my lawyer involved with this issue. I sent in multiple pieces of evidence showing that I was not the one who applied the fake check into my account, these are documents I still hold with me today. After sending in all of the information I had on the identity theft the bank came back and said that I am responsible for the incident and I have to pay the money back even though I sent in evidence showing it was not me. This has been going on for over a year now and is preventing me from making any further life changes with this on my credit report. I am not allowed to have a bank account and I am unable to find a place to live or buy a car due to this issue. I am not sure why during investigation they did not look at surveillance cameras or anything else to help solve my case but I can still prove today that I am not the one that deposited the fake check into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 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: Credit Bureau Collection Services, Inc.
State: MD

Complaint narrative:
The company XXXX has issued a debt collector, CBCS, to collect on a false debt that has already been paid for. I purchased a ladder from their website online and have records of payment and receipt, they do not ship a ladder unless it is paid for, so there is absolutely no reason for them to try to collect on a debt that has already been paid for. I then got letters from a debt collector indicating I still owe for the ladder that I already paid for. The balance is {$230.00}, but I already paid this and should not even be seeing this debt. I already sent proof of payment to the debt collector and told them I am disputing the debt, while they only replied to me a letter indicating the bill of which I have paid for. Again, you can not get merchandise from this website unless you pay for it, so there is absolutely no reason why I am being billed for a ladder I already paid for.

Company response to consumer: Closed with non-monetary relief