vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: KEYCORP
State: CA

Complaint narrative:
I obtained a 10-year conventional, fixed mortgage from my local bank in 2006. This loan was sold twice. The current lender is KeyBank in XXXX XXXX, KS, who purchased my loan from XXXX XXXX 6 months ago. The balloon payment ( approx. {$210000.00} ) is due in 10 days. 

A payoff statement was requested from XXXX XXXX at KeyBank, who added a {$850.00} " Admin Fee '' to the principal. I have no choice but to pay this unexpected {$850.00} fee, if KeyBank is to accept the balloon payment and close the account. I was never told about this fee until today. I reviewed my original loan documents and nowhere does it say that I will be charged any amount, let alone a {$850.00} fee, to pay off the mortgage. I have had a number of mortgages, both residential and commercial, and have never had to pay such a fee. The escrow manager says this fee is both improper and very excessive. In fact, she has never seen anything like it in her years in business. 

I asked XXXX XXXX at KeyBank to reverse that {$850.00} fee, but he refused, saying said it was necessary to cover " some legal expenses associated with issuing and filing releases ''. Please note that each of my 120 monthly mortgage payments was made on time and my FICO is XXXX. 

XXXX XXXX also charges a {$100.00} fee to revise the payoff statement ( such as changing the date ). The escrow manager says this kind of fee is very seldom assessed by banks, and would typically cost no more than {$15.00}. 

KeyBank is apparently trying to squeeze exorbitant, last-minute fees that were never due, simply because I have no choice, no time to dispute them and no recourse ( other than CFPB ). I believe that is behavior is known as extortion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
Gateway One XXXX calls me several times per day on my cell phone ( as listed on my appliction ) and also calls references such as my family and discloses my financial information to them if I am more than 5 days late on my payment. The major issue is and the reason for my complaint is that they called a customer service number listed online for my employer. So it happens that I am in charge of the Customer Service team that answers that toll free number listed for my employer XXXX XXXX. This is very embarrassing and should never take place. I do not list XXXX XXXX on my application for credit and Gateway One is not doing business with XXXX XXXX so why are they calling XXXX XXXX? Their contract is with me and I should only be contacted at the # i provided to them XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 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: ProCollect, Inc.
State: TX

Complaint narrative:
I offered to pay my debt in payments due to my income from XXXX ( {$840.00} ). They told me I had XXXX days to pay it off ( {$1600.00} ) or it would remain on my credit for life. XXXX the account specialist who has my account notated me as refusal to pay/attempt to pay even though I telephoned them. I contacted the management company that filed this and the apartment complex and they were unable to give me any kind of information to help me resolve this matter. They do not have my information from when I lived there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 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: FL

Complaint narrative:
I got sued by my landlord for electricity bills and the matter got settled and fully paid. Several months later a company called XXXX which is based in Texas and provides the service of splitting electricity bills among roommates, that company filled for collections of an electricity bill. 
The company does not have ownership of that account nor did they ever pay the electricity bill nor is it within their services. Whenever a bill is not paid, it is forwarded to the landlord who in turn collects their debt since they are the ones who actually pay the city for electricity Bills. 
The claim is completely fraudulent and after contacting XXXX several times thy still refuse to remove the collections claim even though they never paid the bill nor do they that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
This is a transfer of servicing issue. My mortgage was transferred from XXXX XXXX to RoundPoint Mortgage effective XX/XX/XXXX. First, the notification was sent by XXXX on XX/XX/XXXX which seems short notice. It is my understanding that under the New regs of CFPB, it is required that the consumer receive at least 30 days notice of transfer. Second, to date, I have NOT received ANY information from RoundPoint Mortgage regarding the transfer. There has been NO notification or documents stating where to send XX/XX/XXXX payments other the information in XXXX 's initially sent in their letter on XX/XX/XXXX. Again, it is my understanding, under the new CFPB regs the retaining servicer must notify the consumer with in 15 days of the transfer of corrected payment locations. Third, and most important is my escrow account. I have attached monthly statements from XXXX XXXX since the loan closing XX/XX/XXXX that indicate an initial escrow payment at closing of {$1400.00} however these funds were pulled out of escrow on XX/XX/XXXX then reinstated in the account on XX/XX/XXXX with no explanation why. Again however, my escrow balance does not reflect the funds in my escrow balance. My calculations show that my escrow balance should be currently, after my XX/XX/XXXX payment {$3000.00}. This calculation is based on the following : ( {$1400.00} Initial escrow+ {$400.00} XX/XX/XXXX+ {$400.00} XX/XX/XXXX+ {$400.00} XX/XX/XXXX+ {$400.00} XX/XX/XXXX ) However, when I called the new servicer ( RoundPoint Mortgage ) today XX/XX/XXXX, their customer service rep stated that my escrow balance only reflected {$680.00}. I asked if there were any payouts showing on the account and the customer service rep stated NO. This is scary because, though the balance on my monthly statements are incorrect from XXXX XXXX the last state at least showed a balance of {$1200.00}. 
I have filed a compliant with CFPB on this issue but you are only reviewing the initial servicer response however the current server has also paid my real estate taxes that has caused a shortage in my escrow now ( XX/XX/XXXX ) over {$900.00} and the current server is using my payment to pay their advancement. Please take of this ASAP. Do I need to have the VA involved in this issue of how a veteran is being treated through transfer of serving?

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 2015-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
On XXXX/XXXX/15 TCF Bank reordered my transactions and added an additional {$19.00} Check Printing fee to make my account overdrawn by - {$2.00}. On XXXX/XXXX/15 TCF Bank charge my account {$37.00} Returned item NSF fee. My deposits are not available for XXXX/XXXX/15 {$100.00} cash, XXXX/XXXX/15 ATM {$100.00} cash, XXXX/XXXX/15 ATM {$380.00} check. ( Please see attachment )

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 2015-10-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
A collection attorney named Forster & Garbus is trying to sue me for a XXXX XXXX credit card account that is no longer on my credit report. The credit card account is from XXXX which is more than seven years ago. I live in New York XXXX XXXX XXXX XXXX XXXX the statue of limitation is XXXX years on credit card accounts. I do not want this collection attorney to try to seize my checking account because I am barely living above the poverty rate. I can not afford to pay this debt and plus the debt is more than seven years ago and it is no longer on my credit report. The debt is pass the statue of limitations in New York State.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Received a debt notice XXXX/XXXX/15 for a medical service rendered over 5 years ago. This is the XXXX notice of any debt related to unpaid claims. Deadline of XXXX/XXXX/15 to pay or be reported to credit bureau. Requested proof of the debt. They said they will mail it to me but I wo n't receive it by their deadline. This situation seems like a scam. I called XXXX and was treated rudely each time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 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: ProCollect, Inc.
State: TX

Complaint narrative:
a woman out of XXXX, Texas broke into the drop box of what was XXXX XXXX XXXX which has gone bankrupt and sold the property. mine of XXXX other apartments rent and utility money orders were stolen from the drop box. apartment was notified by police this was happening in the area and did n't take precaution to prevent this from happening. after that a month later I moved out. the money that was stolen from the apartment has been in collections going on 5 years. ProCollect out of XXXX, TX is the collector ph # XXXX.i explained to them that I paid my bills but the money was stolen from there drop box. which is n't my responsibility to pay again due to their failure and notification from police this was going on before it happened. They asked for proof of the robbery of the building and I went down to the police station and got copies of the report that my money that I put in there drop box was stolen out of there office and sent a letter from the chief of XXXX, Tx, Police Department saying and proving that my money was stolen. He also lived there during the occurrence. The collector keeps calling and saying I owe money that I paid 5 years ago and I owe the stolen money the apartment failed to secure. me and my fianc have both asked for proof of debt and for the original debtors information which is the owners of XXXX XXXX XXXX which they will not give. ProCollect told us to google the information on a bankrupt business denying us the ability to contact the original debtor to dispute the false debt. I have contacted a lawyer and I will be writing a cease and desist letter sending the police report and letter from chief of police again a to PRoCollect and also sending it to all XXXX credit bureau 's to continue to dispute. after that if it is not removed from our credit report I will have no other choice but to file a lawsuit.

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 2015-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I currently have three ( 3 ) issues. Number one ( 1 ) and two ( 2 ) need to be address. Number three ( 3 ) is a violation of the FDCPA and a complaint has already been sent through the FTC. Number ( 3 ) has been included to provide a complete picture of that is going on. 

( 1 ) I am attempting to have my Personal Mortgage Insurance ( PMI ) removed. Currently my account 100 % complies with XXXX the lenders requirements and my closing documents requirements for removal of PMI. I strictly followed the steps that are outlined in my closing documents. These steps are identical to the ones listed on Roundpoints website, which ask for the request to be email to XXXXXXXXXXXX. 

My servicer ( Roundpoint ) followed up with a Roundpoint " PMI Removal Form '' that is not tailored to the requirements of my lender. There form would put additional limitation on my account and states I am not eligible for PMI removal. I have sent multiple emails informing Roundpoint that I can not sign any document that may alter my current loan, be seen as an addendum, or that does not comply with the lenders requirements. Rounpoint refuses to continue the PMI removal process unitl I fill out there form. I informed Rountpoint that there standard form is not a requirement of the lender nor is its completion listed as a required step in my closing documents. 

( 2 ) The servicer ( Roundpoint ) states I have to pay $ XXXX {$600.00} for an appraisal. Since my email string ( attached ) the servicer has agreed to let me review the invoice and confirm the appraisal has not been " marked up ''. Though this is still higher than normal. I am worried Roundpoint is getting a kickback that may be masking any markup. I informed my servicer that the lender ( XXXX ) allows for a BPO to confirm property value and would be substantial cheaper. Roundpoint keeps saying an appraisal is " required by the lender ''. I sent Roundpoint a link ( shown below ). That indicates an appraisal is not " required ''. I have sent multiple email trying to have a discussion on this but Roundpoint refuses to address my concerns directly. 

XXXX : XXXX -Reference " Borrower-Initiated Termination of Conventional Mortgage Insurance Based on Current Property Value '' subsection XXXX. 

( 3 ) The servicer ( Roundpoint ) attempted to contact me. A representative called me and immediately asked for my address and last XXXX of social. I informed him that I would not provide that information to some random " XXXX '' that calls me. I stated, " I need confirmation that you are actually from Roundpoint. '' He refused to provide any information and stated that my refusal would be, '' notated on my account ''. I never confirmed I was the borrower and the servicer still added notations on my account based on the conversation. I have submitted a complaint with the FTC in regards to this FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: KEYCORP
State: OR

Complaint narrative:
I had a loan with KeyBank with a 10 year arm. 2 months prior to the full payment due, I attempted to refinance with KeyBank or extend the 10 years. They denied my refinance and denied my extension. I had 10 years of excellent service with them. All payments were on time, they never missed a payment from me. When submitting my extension request, I said I will do whatever it takes, including sell the property to help them and myself achieve our goals. They denied me because they said I wanted to sell. I told them I was just trying to show them that I will do whatever it takes to make them continue to work with me. Then I applied and was denied based on school loans. I am still XXXX and my loans are deferred. I payed off a XXXX mortgage with KeyBank with my retirement and they told me to apply again. I was denied again. Only this time I waited for a reply and got nothing, I emailed, heard nothing, then finally called and they said that now I was outside of my time for the loan and would have to reapply a 3rd time. My emails get deleted to KeyBank without being read through an automated system according to the person I talked to. Attempt # 3 was unsuccessful and I was denied. I then had to have my mother buy the house from me as a rental property herself. That took 3 months over the 10 years and now my credit is affected all because KeyBank would not work with a long standing customer. Now I just realized they are charging me {$18.00} monthly to have my checking account with them. What a horrible company!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau Collection Services, Inc.
State: OH

Complaint narrative:
Our XXXX year old XXXX boys were being seen by speech therapist at XXXX XXXX 's hospital in XXXX Ohio. Our healthcare provider ( XXXX XXXX XXXX ) began paying for the treatment for the first 6 months. Suddenly, XXXX XXXX XXXX stopped paying for the speech therapy sessions. We were contacted by the billing department of XXXX XXXX 's Hospital of an outstanding debt. When we contacted XXXX XXXX they claimed that XXXX XXXX XXXX XXXX had never received authorization to provide XXXX to the boys. In addition, XXXX XXXX alleged that the contract with my employer had changed and the boys were no longer covered for XXXX. My employer ( XXXX ) maintains that there was no coding change in the contract between the city and XXXX XXXX. XXXX XXXX 's Hospital claims that authorization was given by XXXX XXXX to treat the boys. At this time we have no idea of who is being forthright. Had we known in advance that the therapy sessions would not be covered, we would have taken a different approach. At this time XXXX XXXX 's hospital has sent our account to collections claiming that we owe over {$2000.00}. Again, XXXX XXXX paid XXXX XXXX 's XXXX for nearly three months while the boys were going to XXXX. If authorization was not give to XXXX 's Hospital than it is my belief that the hospital should have notified us. If a request for authorization was not received by XXXX XXXX then why would they pay close to {$1000.00} in medical expenses. Finally, it would be incumbent upon XXXX XXXX and XXXX XXXX XXXX Hospital ( XXXX ) to notify us that the insurance would not cover the treatment. Especially before it reach the level of thousands of dollars. No one has been able to explain to us how we arrived at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Trans Union refuses to report student loans as paid in full, XXXX balance. The Department of Education/XXXX granted me a discharge for XXXX on XX/XX/2016 for all my student loans, including loans with XXXX and with Department of Education/XXXX. I have sent copies of the discharge paperwork to Trans Union, but Trans Union refuses to remove the loans or report them as paid in full and closed with XXXX balance. This is in violation of federal law.

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 non-monetary relief
Consumer complaint received 2016-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I get an inquiries from XXXX XXXX report with Transunion. who was reported twice, I need the inquiries to be removed from my credit report.

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 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted all XXXX bureaus in XXXX of XXXX by telephone and notified them of incorrect name and address information on my report. I also notified them that there were several accounts opened that were not mine, and to please put a fraud alert on my account. They did and did remove some accounts. But they did not remove the incorrect names, nor did they notify me to send in documentation to verify my identity, although I had explained to them that the XXXX had seen that someone used my XXXX number to open student loans. They put back the inaccurate name and address information on my credit report without notifying me. Some of this information belongs to my ex-husband. Why it is on my credit report, I do not know. Also, they are reporting information that is over seven years old, Other than that, there are XXXX accounts, that someone opened in my name, through a loan agency I had previously used and did not pay, XXXX was paid and is reporting as paid, and XXXX is reporting as closed and never paid on, but I could never afford a loan of that amount. I have repeatedly contacted them to remove this information for the last six months regarding the incorrect addresses and names, Also the XXXX accounts not opened my me being XXXX opened in XXXX and XXXX XXXX, I have spoken to XXXX and they confirmed that it was NOT my account. They did their investigation online and did not send me any reports, so I do not have any documentation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief