vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: March Motors, Inc.
State: FL

Complaint narrative:
I purchased a XX/XX/XXXX XXXX from March Motors. Buy here Pay here establishment. I paid {$200.00} for the tag. My payment books shows XXXX bi weekly payments of {$240.00} and the last ( XXXX ) payment of {$170.00}. 

The tag was only {$170.00}, leaving a credit of {$20.00}. My Florida Vehicle Registration shows hand written the credit will be applied to loan. 

XX/XX/XXXX, I received pay off balance of {$1300.00}. I then asked for pay off balance again On XX/XX/XXXX concerning my last payment per scheduled payment statement for XX/XX/XXXX. 

I was informed by email on XX/XX/XXXX by written attachment of {$380.00} after making a payment of {$240.00} the same day. 

Now according to the payment booklet, my last payment shows last payment of {$170.00}. 

At this point, I asked for itemized payment history. I would only receive statement of {$380.00} until XX/XX/XXXX. 

I have asked by email over and over for itemize statement, to no avail. 

Now after sending email to XXXX of March Motors ( Cashier ) that I would be filling complaint to Consumer Financial Bureau, I finally received partial itemize payment statement. I also asked over and over, how when last statement shows {$170.00}. 

I have yet to receive an answer. 

This establishment will not allow grace periods, therefore how is that amount accurate? I have yet to see what are the late fees along with interest. 

I have emails along with documentation of my tag statement. It is not adding up. 

How is the last payment {$380.00}? 

Please assist so I can pay this vehicle off. 

I have documentations of payment scheduled printout, along with emails for my proof. 

Please assist. 

RespectfullyXXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 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: FL

Complaint narrative:
While reviewing my credit report a few months ago, I noted an inaccurate report from Enhanced Recovery Corporation account # XXXX with original creditor XXXX. I contacted the creditor by phone and informed them that I have never opened an account with reported creditor on XX/XX/2014. They asked me to send them a dispute letter in writing and I did. Up until today, I have not received a response from them and the account is still showing in my report negatively. can you please help investigate this issue. Thanks

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 2017-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: TN

Complaint narrative:
To Whom It May Concern, I have recently noticed a collections account on my credit report that is inaccurate and does not belong to me. Also, the collection agency pertaining to this account is Enhanced Recovery Corporation and they are not licensed to collect debt in my state, which is Tennessee. According to Tennessee state law, any company attempting to collect any type of debt, REQUIRES a license. I would like this account removed from my credit reports effective immediately! 
Thank you in advance!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: CA

Complaint narrative:
On XXXX XXXX at XXXX AM I called Seneca Mortgage Servicing and spoke with XXXX. I requested information about having PMI removed from my loan. I explained that I had made several improvements to my home, but the majority had taken place before the refinance. He said that improvements would be excluded if they were included in appraisal when we refinanced. However, we had a computer appraisal so the improvements we made were not included in that appraisal. There was no way for the lender to know about the major improvements that had been made. In that case, He explained to me those improvements would not be listed in the XXXX or computer appraisal. They would be considered among the improvements that could count toward the PMI removal. I asked him how certain he was of this information. He said he was very certain. Based on this discussion, I decided to move forward with having my home appraised for {$450.00}. I sent in the check and had my home appraised a few days later. 

On XXXX XXXX I called Seneca Mortgage Servicing to determine the status of the PMI removal. I had a XXXX hour conversation with XXXX. I spent most of my time on hold. I was told that the appraisal had not been received. However, they wanted me to submit proof of improvements. They said that they wanted to know when the improvements had been made so that they could determine if they resulted in the increase in market value. I explained the conversation I had with XXXX. She said that none of the improvements before the refinance could be considered. I explained that if I had known this information, I would not have proceeded with the PMI removal request. I felt that Seneca knowingly mislead me into providing them with {$450.00} for an appraisal that they knew would not result in the removal of PMI. 

Furthermore, XXXX refused to explain what was defined as a significant improvement. In addition, she refused to provide the ratio of money spent on significant improvements and it 's relation to market value. Finally, she said that the appraisal had not yet been received. Yet, she quoted the appraisal several times, noting that the appraiser had noted that the kitchen had been remodeled XXXX5 years ago and Seneca needed more documentation regarding the improvements. 

When I called again on XXXX XXXX, I was told that the appraisal had been received on XXXX XXXX, XXXX day before my conversation with XXXX. On XXXX XXXX by fax and XXXX XXXX, XXXX, and XXXX by phone, I requested a fax and mailed copy of the appraisal. Only received it by fax after the request had been denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: KEYCORP
State: VT

Complaint narrative:
Keybank National Association has been accepting regular monthly payments from me for my account ; payments that I have full proof that I have made them. However, I just received a letter from Keybank stating that I must:1.payoff my loan has I have not made satisfactory payments2. they provided a phone number to call about this situation, that was simply an advertisement for a bogus vacation ( e.g., win a dumb vacaction ). Keybank phrased the advertisement as a " survey '' in which they would then connect you with the appropriate person after completing XXXX questions. You are then asked more than XXXX questions, and once you go through all of their prompts the phone just hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
I was approved XXXX XXXX for a loan modification by Impac, the investor of my loan and XXXX XXXX XXXX is the servicer of the loan. I got a step rate and it was going to increase to 3 % in XXXX XXXX. Therefore, prior 3 months prior to that date, I contacted Impac once again to ask that they extend my modification and keep me at 2 % interest rate for another 3 years. On XXXX XXXX, XXXX, I was approved for another modification, in writing, which was accepted and executed by me. At the time of the approval on XXXX XXXX, XXXX, XXXX XXXX informed me that I should continue making my normal payments at the 2 % interest rate. XXXX further informed me that XXXX XXXX XXXX would take up to 8 weeks to send me the final modification documents. After 8 weeks, I called XXXX XXXX XXXX and they confirmed with me verbally over the phone that my rate was at 2 % but when I would ask about the final modification documents, they acted as if they didnt know what I was talking about. I sent the modification to XXXX XXXX XXXX 3 times and they still claimed they did not receive it. They even received it from Impac and XXXX XXXX XXXX is continuing to refuse to honor the modification. XXXX XXXX XXXX is playing games with me I am so tired I have been dealing with this for months. Why is XXXX XXXX XXXX not honoring the modification that the owner of the loan granted me and that I accepted. Now, because XXXX XXXX XXXX is refusing to honor this modification, I am considered delinquent because they now changed the terms of my loan to the 3 % when in fact pursuant to the terms of the modification agreement I accepted XXXX XXXX, my rate of 2 % is extended until XXXX XXXX. Please I pray that you help me with getting XXXX XXXX XXXX to honor the loan modification that was offered to me, XXXX You.

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 2016-05-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: KEYCORP
State: OR

Complaint narrative:
Key bank, XXXX, oregon three years ago nearing retirement my wife and i decided to apply for a fixed interest home mortgage we applied for a locked 3.75 interest rate.we were assured we qualified and signed the contract.the loan officer XXXX would only accept our phisical address even though we told her the U.S.P.S. would not forward our mail .after 50 years of banking at key bank i took over our financing. We just realized we had never received a statement key bank on this loan .key bank finally sent the current statement to our post office box .we immediately realized our loan was actually a variable rate loan and rates were rising. XXXX admitted she had dropped the ball ll and would recommend we be given our original loan rate. XXXX, XXXX, s boss denied the request .We are currently in limbo and our retirement in jeopardy. Please help XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE
State: DE

Complaint narrative:
My mortgage is through XXXX XXXX since it was sold to them in XXXX XXXX. I signed up with XXXX for their XXXX program at that time. I have had ACH withdrawal 's from my checking account biweekly since then. I come to find out now that this was not through XXXX XXXX they tell me it is through a company called Pay Map. I have never heard of Pay Map. The ACH from my checking states XXXX for {$700.00} biweekly XXXX states they get a Monthly payment of {$1300.00}, but I am paying {$1400.00} not monthly but biweekly. I am not getting the advantage of the biweekly payments when XXXX states they are getting their funds monthly and not even the amount I am paying. I knew nothing about another company handling my money and paying monthly, I would never have done that. This is not fair and I feel like I have been scammed. I cant reach this Pay Map Company until Tuesday XXXX/XXXX/XXXX but I will be canceling everything with them ASAP. What can I do or what can you do to help me. I feel they owe me money that should have been going to pay my mortgage off sooner XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent a debt validation request to Chase XXXX XXXX, XXXX, they have not responded to my request. They have illegally foreclosed on my home in XXXX. I requested they send me the data from the original lender. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Chase Attn : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Re : Alleged Debt Acct # XXXX To Whom It May Concern : Please be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Account Loan Data from the ORIGINAL creditor, Note and Deed of Trust Please provide me with MY WRITTEN AUTHORIZATION stating that I gave you my permission to sell my private information to any third party or debt collector under 15 USC 1692 ( c ) ( 3 ) ( b ). 
Provide proven facts with account loan attached from the ORIGINAL creditor and signed under Penalty Of Perjury. 
Identify the ORIGINAL creditor. 

As it stands now, you are a Debt Collector. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit files and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. 

Thank you, XXXX XXXX Sent by USPS mail

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Valentine and Kebartas, Inc.
State: IL

Complaint narrative:
VALENTINE & KEBARTAScalling fromXXXX XXXX XXXX called me almost XXXX timeswithin the past few monthsDo not have debt owed to " VALENTINE & KEBARTAS " They have been told to stop harassing me with these constant never ending phone calls.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
Roundpoint Mortgage is undoubtedly prolonging my PMI termination request by three extra months as they supposedly conduct an investigation to my original request to them for termination. This appears to me again as an attempt to unjustifiably collect as much profit from a responsible mortgage payer as myself who has never been late or defaulted on any mortgage payments in over 20 years of home ownership with a XXXX plus credit score and a home that well surpasses the original 80 % LTV in todays market for this area

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 2017-01-20 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SCA Collections, Inc.
State: GA

Complaint narrative:
No contract signed nor consent given by me, HIPPA violation XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: KEYCORP
State: NY

Complaint narrative:
Key Education Resources is by far XXXX of the most burdensome entites to work with. I have several student loans with them totaling about XXXX which my father co-signed on. They are insisting in locking me into a 5 year repayment plan, and will not allow me to extend the payments to anything longer which would help mitigate the cost of the loans. I fell behind on the repayment terms as it 's become impossible on my income to repay the loan on the terms they are insisting. I have tried to work with them several times and even though I have deferrment time left on my loans ( They give you 18 months ) they would not allow it. I asked for the loan to be placed in forberance as I had about 10 months of time left. They then changed the terms of the loan and sent me paperwork that clearly stated XXXX was for a LOSS MITIGATION and not a FORBERANCE. They have outright lied to me, changed the terms of their agreement, locked me into a repayment plan I can not afford, and I feell I ma left with no choice but to voice my concerns and grievences to you about Key Education Loans and Resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 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: PA

Complaint narrative:
For the past few months, I have been receiving unwanted phone calls from " XXXX '' at Gateway One Lending. If I answer the calls, there is a short pause followed by a recording by " XXXX '' stating that she must contact XXXX XXXX immediately. She leaves the following contact number : XXXX ext XXXX. I am not XXXX XXXX ; nor have I ever know a XXXX XXXX. My wife and I have now returned the call twice. The first time I was told by the representative who answered that she could not find my phone number in her system and that I should answer when the phone rings to tell XXXX ( or whoever is calling ) that I am not XXXX XXXX and request that my number be removed from the files. When I answer the calls, there is not a real person on the line, just a recording by " XXXX ''. Today, my wife returned the call only to be told again the representative answering could not access the files to delete my number. My wife then spoke to a " supervisor '' who could do no better. She did offer to leave a message for her supervisor and promised to have the problem rectified in a day or two. Frankly, I do no believe that will happen so I have decided to report this harassment. My next step will be to contact an attorney in an attempt to sue for the unwanted calls. I am on the " do not call '' registry.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: IN

Complaint narrative:
Statement filed with BBB and Roundpoint mortgage on XXXX/XXXX/XXXX : I acquired a mortgage on XXXX/XXXX/XXXX and began making bi-monthly payments of {$320.00} beginning XXXX/XXXX/XXXX. the first payment was not due until XXXX/XXXX/XXXX, so I should have been saving some interest as well as having about {$100.00} additional applied to my principal. 

Come to find out, they have this set up so that I can not save on interest. Money is being put into escrow. additionally, funds received prior to the first of the month are not being applied to the intended month at all. there is no way for me to get ahead the way that they have this set up. 

I called today to have my due date changed to the end of the month so that I can make my payment early in the month and save on interest, as well as not worry about late fees when using direct deposit. I get paid on the XXXX and the XXXX so if I do bi- monthly payments, I will never be on time the way that they have their system in place, even if I am paying ahead. If my due date is toward the end of the month, say the XXXX, we will have no problems. 

I will appreciate any assistance in clearing this up. All I want to do is make my mortgage payment and save a little interest the way I was told I would be able to do so. 

I was told today that I would have to refinance to change the due date, this seems like a crooked statement to me and I will not accept that. I will not hand over thousands of dollars to refinance a mortgage just to change a date on the papers. 

Thanks, XXXX XXXX Since filing my complaint, I have continued to make my payments as I have. I received a payment coupon mailed on XXXX that stated my outstanding principal was {$75000.00}. I received another mailed on XXXX, my outstanding principal is now {$75000.00}. How does my principal go up {$410.00} in 4 days when I have been paying extra toward my mortgage from the beginning? I get no answers from Roundpoint. I was on hold for 45minutes earlier today.

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 2015-12-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: NH

Complaint narrative:
Called PNC Mortgage today in regards to terminating our PMI and the letter I received for the process. The letter states the investor requires the XXXX to be 75 %. I am at XXXX % LTV. I state that at 80 % I have a right to remove it or wait until loan date to reach XXXX % as scheduled. PNC Rep. stated the investor requirements were XXXX %. I asked how he can supersede the government? Secondly I never signed with PNC ( loan sold to PNC ) and I stated my agreement does not indicate XXXX % LTV on the documents I signed. so forth and so on. I also stated if I wrote a $ XXXX check today cut my loan in half and the new LTV was XXXX % would I have to pay PMI. She stated yes and the investor would need to review and an appraisal would need to be done at {$500.00}. I then stated the only way to eliminate the PMI with PNC would be to sell/refinance the loan to someone else. Long story short, I did not get anywhere with PNC.

Company response to consumer: Closed with explanation