vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: VA

Complaint narrative:
I took out a loan with CastlePayday a couple of weeks ago. They took money out for the XXXX payment on XXXX XXXX. When dealing with a different loan issue, I realized that I did n't have a copy of my contract for this loan. I called them today, asking for a copy of the contract. They sent me a schedule of payments but no contract. I called back to request the terms of the loan. The person I talked to that time, said that it was not a payday loan, but that it was an installment loan. I told him that I was aware that it was an installment loan, but that I still wanted a copy of my loan paperwork, since none was ever made available to me, and it was n't sent when I had just asked before. Again they sent a copy of the payment schedule, again, not what I was asking for. I looked back in my emails from them to see if I missed something and all I found was information I should know about my loan which included a notice that failure to make timely payments would enact applicable tribal law, and they would send over the loan to a XXXX party in the event of default. That 's it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC

Complaint narrative:
BAYVIEW IS ENGAGING IN DECEPTIVE LOAN SERVICING PRACTICES BY NOT PROVIDING UPDATED AND CORRECT FINANCIAL STATEMENTS, PROVIDING INCORRECT ACCOUNT INFORMATION IN ORDER TO CREATE A DEFAULT LOAN SCENARIO, NOT ABIDING BY THE TRUTH IN LENDING ACT, NOT PROCESSING/APPLYING MORTGAGE PAYMENTS IN ACCORD WITH THE SPECIFIED ACCOUNT SCHEDULE, NOT PROVIDING CORRECT PAYMENT INFORMATION WHEN REQUESTED, THEREBY CREATING A DEFAULT STATUS, NOT COMPLYING WITH THE FEDERAL REGULATED ACTS, THAT GOVERN LOANS AND PROCESS, AND THREATENING TO MAKE THE MORTGAGE LOAN IN DEFAULT STATUS, REVOKING A MODIFICATION AGREEMENT PREVIOUSLY AGREED TO BY XXXX XXXX XXXX, UNLESS PAYMENT IS MADE IMMEDIATELY ON XXXX/XXXX/16 ON THE TELEPHONE, WITH NO PROOF OR REQUESTED DOCUMENTATION PROVIDED PRIOR TO PAYMENTS BEING MADE. ADDITIONALLY THREATENING TO CANCEL THE MODIFICATION AGREEMENT XXXX HAS SIGNED WITH NO NOTIFICATION PERIOD OR GRACE PERIOD AS PER FEDERAL LAW, IF PAYMENT NOT MADE ON XXXX/XXXX/16 VIA THE PHONE BY XXXX XXXX, DESPITE XXXX XXXX DISAGREEMENT AND REQUEST FOR PROOF OR STATEMENTS TO BETTER CLARIFY THE SITUATION

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Bayview loans keeps calling and harassing me about being behind on a payment. I 've called them numerous times to try and fix this problem but no one can help me in the so called customer service area. I have gone to my bank and receive copies of my proof of payment starting back from XXXX and ended it in XXXX, I have fax them numerous times showing them that I never miss a payment. Every time I ask them a question over the phone they say put it in writing and fax it to us. Not one person I 've talk to was able to answer a question. Its like its choreograph. I called one time and got a person here in XXXX XXXX, when I found that out and ask her if she had a branch in XXXX she just laugh and said no. She works out of her house and supposedly all my information is there on her computer. I 'm not liking this. These people are no better than XXXX and have no desire to help you what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA

Complaint narrative:
I have been attempting to get a loan modification ( either in-house or through the XXXX ) on my mortgage loan since XXXX. My loan was originated with XXXX back in XXXX. Of course, XXXX took over the loan and began to service it. I requested a loan mod with XXXX in XXXX after I lost my job. They told me that I would not qualify for a loan mod because I would not meet the income requirements due to the fact that I was out of work. They suggested and I agreed to allow they to place me in a loan forebearance program. They stated that I could apply for the XXXX loan mod once I was back to work. I went back to work in XXXX after being out of work for 10 months. So I contacted XXXX to request a loan mod. They sent the paperwork to fill out. I completed the paperwork and sent it back. They would repeatedly send me change Asset Managers on me where I would restart the process. They finally sent me a letter stating that I did not qualify for the XXXX because my investor was not participating in XXXX. I requested that they send me documentation for my investor. They sent a letter stating that XXXX was my investor. I contacted XXXX about my loan and they stated that they were not the investor on the loan but the trustee for the security that my loan was in. When I asked who owned the security, they verbally stated that XXXX owned the security. In XXXX XXXX, while in the process of sending in another set of documents stating that they would be transferring my loan over to Bayview Loan Servicing , LLC . So in XXXX XXXX, I contacted Bayview to request a loan mod. They sent the paperwork. I completed it and sent it back. They are telling me that my investor has not given them authorization to modify the loan ( in-house or through HAMP ). They stated that I would be able to do a short sale, deed in lieu of foreclosure, or bring the loan current. I am not in a position to bring the loan current. I know that XXXX ( if they are indeed my investor ) is participating in XXXX. I am really frustrated with this unethical behavior of XXXX and Bayview. I believe that they are lying about what options are truly available to me. I need help to stay in my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
INCIDENT NO. XXXX, XXXX XXXX, XXXX. XXXX, 2015, {$660.00} + {$16.00} FEES. 
Receiver : XXXX XXXX XXXX, Payout location : XXXXXXXX. XXXX went to pickup the money on XXXX XXXX, 2015 and was told that it had been picked up by XXXX XXXX XXXX. I 've never heard of this person. All the documentation I have lists XXXX XXXX XXXX as the recipient. 
Western Union says they are not responsible because someone called them and told them to change the recipient. Which is a ludicrous statement, and does not override a written contractual ageement. I have been back and forth with Western Union and they claim are not at fault. However, even the documentation they sent me states the recipient was not the listed recipient. Also, there was a security question. Surely this XXXX XXXX XXXX was not able to provide the answer to the question. 
Bottom line is that Western Union gave my transfer to the wrong person and is saying they are NOT responsible. 
Aside from being in a XXXX, my friend is without money. He was unable to catch his flight and has accrued hotel expenses of {$1000.00}. 
What they have done is illegal and need to pay up the money accrued at the hotel as well as the initial {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I used western union to send an international money transfer. My receiver went to collect funds and was told that this transaction did exist in their system. I contacted western union and the representative asked me to call back at a later time since their system was down. By the way its almost always down. I used a different money transfer company to resend money and my receiver was able to collect the same day. I contacted western union to request a refund and way denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: KEYCORP
State: OH

Complaint narrative:
I do n't understand why each time I use the drive-thru service, the waiting time is greater than 20 minutes and longer. This happens even if I am the only one in line or not. I witnessed so many vehicles leave after waiting so long. Customer services is so poor. I push the button for service and have been told the line inside is too long and I have to wait. The wait is too long. Please help the customers in the drive-thru line with this on-going problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: KEYCORP
State: OH

Complaint narrative:
I noticed a hard inquiry on my credit from XXXX XXXX XXXX, 2015 without my consent or any previous contact with them. I would like to get the inquiry removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC
State: NY

Complaint narrative:
Quality Asset Recovery L # XXXX IS KEEP ON HARASSING ME FOR COLLECTION WHICH I HAVE CLEARED i was visiting usa in XX/XX/XXXX on a travelers insurance and as suggested by a primary health care visited the XXXX medical center for a XXXX. before asking or receiving the health care i have asked the medical center many times, i do n't have regular health insurance, i 'm visiting this country. please tell me the cost first and then i will check with my my travel insurance then will decide if i need the emergency care or nor. no one answered me nothing. they have not even resister my name. just asked to wait for the care. then they XXXX and discharged me without any registration. 

on my second visit a nurse XXXX and asked me to leave. on my way out they collected my travel insurance details, my name, and dob. i left the country after my business travel. 

when i return to usa in XX/XX/XXXX with a XXXX i found that there is negative entry in my credit report. called the collection agency and explained them my case. All they did is asked me to pay the amount around {$700.00} from my pocket. i have paid the amount with the help of my sibling. They promised they have removed the entry from my report. i still see the entry in my report. 

both the medical center and collection agency is doing wrong with respect to this great nations legal system. i would like to file a consumer harassment case against both the registered bodies. please guide me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: INTERNATIONAL CITY MORTGAGE
State: TX

Complaint narrative:
I am a XXXX and I sent a client to iCity Mortgage in the beginning of XXXX 2015. 
On XXXX XXXX, 2015, we executed a contract for a typical 30 day closing. On XXXX XXXX, 2015 they finally closed it. However, the entire staff that worked on this file, did not work with a " Time is of the Essence '' sense of urgency throughout the entire process. 
At the end of a closing extension for 2 weeks, XXXX XXXX was to be the latest the seller could close, as they had plane tickets and were going out of the country for a month. We were in and out of underwriting because they kept coming up with items that needed to be corrected. Instead of telling us all at XXXX. This took several days. XXXX XXXX XXXX XXXX VP of the company, XXXX XXXX, text me he got the ok from quality assurance and sent email with the docs. The file had been in quality assurance XXXX times because they could n't seem to ask for the correct items that was needed. Underwriting failed to let title know they needed a preliminary HUD for the XXXX lien. It was approx XXXX XXXX when title was informed. Way past closing time. XXXX XXXX after XXXX, quality assurance finally approves the file and releases it to docs out. It was about XXXX before title received notice. Again way past closing time. XXXX XXXX title is does not have instructions from the lender and does n't receive them by end of day. XXXX XXXX XXXX am title receives instructions for only the XXXX lien but not the XXXX lien, no Deed of Trust and the lender did n't put the verbiage on the buyer docs that the buyer will be signing with a POA. XXXX XXXX emails that she was not made aware there would be a XXXX, when it was sent to them several days ago. Another copy is provided to her. XXXX asks XXXX XXXX, if they are going to draw up the DOT and if so to put the sellers wife on it and include a minerals reservation clause in it per the contract. Also to include the vendor'e lien information in the deed. XXXX says they 'll draw up the Deed. XXXX XXXX title still does not have docs for the XXXX lien. XXXX asks for it again. Lender provides DOT with errors. Lender did not have any of the items on the Deed that was requested by title. XXXX XXXX, title orders DOT on a rush from her attorney. Title has the DOT from their attorney within 10 minutes. 
Thankfully, the sellers had barely enough time to sign before catching their flight. 
I have all the texts and emails between all the parties who have been involved in this file. I can send you what you need. Please let me know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP
State: NY

Complaint narrative:
I filed a case with New York State Department of Financial Services, XXXX, regarding an inquiry regarding who has regulatory jurisdiction to enforce New York State 's Unfair and Deceptive Acts or Practices statutes, citing specifically Key Bank 's failure to respond to my XXXX/XXXX/16 request for mediation using the NY State Attorney General 's program, and Key Bank 's failure to my XXXX/XXXX/16 business supplier submission, as Key Bank directed per my phone conference call of XXXX/XXXX/16, to be used as generating income to be used for a workout of the existing home equity loan of the Estate of XXXX XXXX. 
NY State Department of Financial Services referred me to CFPB, claiming that CFPB has regulatory authority over state law violations of a nationally chartered bank such as Key Bank. Is this true? 
Attached is a copy of the screen shots from my business supplier submission saved as PDF files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have disputed the debt with Procollection over 6 times. I have not received a response from them. I have provided the necessary fraud forms but I have not received any reply

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
I asked for validation of this debt showing my signature because it is n't mine. The response they sent was not only a HIPAA violation to the account owner, but did not validate the debt. I sent them a response showing this ( which was signed for on XXXX XXXX ) and the debt still shows on my Credit Reports. Please have them remove this from my report and send it back to the original creditor so they can find out who REALLY owes this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect Inc has placed a medical collection on my credit report that does not belong to me. The original creditor has contacted them and informed Procollect that the debt does not belong to me and they refuse to have it removed from my credit report. I have also sent debt verification letters and they have not responded, I have disputed this with XXXX, and Procollec has verified it XXXX times even after being contacted from the original creditor informing them that it 's not my debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I start making payments to XXXX XXXX on XXXX/XXXX/2012 to XXXX/XXXX/2015 on time for the amount of {$100.00} a month, and XXXX funding they said that already report all payments on time but is not in my credit report I want Experian credit bureau to credit my report pay as agreed for all payments I have made ontime to XXXX XXXX.This account was charge off by XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect took on an alleged debt from XXXX XXXX XXXX XXXX for a {$41.00} charge to me that was never even sent to me by XXXX XXXX XXXX, and ProCollect posted this alleged debt against my credit without ever trying to collect it from me beforehand. In order to get my credit score back to normal, I even paid ProCollect this {$41.00} over a month ago and they still have it lodged against my credit score. I 've called them twice, given them the check info ( they cashed it on XX/XX/XXXX ) and they continued to play ignorant about it all. What can I do now?

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 2016-06-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
Just discovered that we have been misled and lied to by Impac mortgage/Funding group who is the investor of our mortgage serviced by XXXX XXXX XXXX. Just yesterday I spoke with XXXX XXXX XXXX who assured me that the denial of the loan modification was actually made by Impac and not XXXX XXXX XXXX. Since XXXX 2016, I have been in contact with Impac Funding group and each time we were told and reassured that XXXX XXXX XXXX is the problem., by failing to send them a packet for Impac 's review Someone is not being truthful. We need this investigated because there has so many violations by both Imapc and XXXX XXXX XXXX. Impac carries the note and should be able to override XXXX XXXX XXXX but they have refused to do so. We have been charged an interest only loan which is illegal which will reset twice in six months. It was reset in XXXX 2016 and our payment increased {$1000.00}. from {$2900.00} to {$3900.00}. In XXXX the payment will be {$5800.00} which we can not afford. All interest only which is an illegal product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
They are contacting and harassing family members and friends and have illegally made them the guarantor of my lease and put my debt on their credit reports without them ever having signed or consented to anything.

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 2015-05-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I check my Credit Karma report monthly and several months ago this debt just shows up on my credit report as a " bad debt '' from a PROCOLLECT. They never contacted me, or gave me a chance to even pay the {$75.00} debt - if it was in fact legitimate. I wrote them a letter and got back a coded response with no discernable information on it to determine if it was even a good debt. They gave me no phone numbers to call for verification or any information on how to validate this debt. I 'm at a loss as to what to do now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
After conducting some regular business transactions ( wires, check deposits ) TCF National Bank closed my accounts and reported me to XXXX. TCF has not provided any detailed information as to why they reported me to XXXX other than I was supposedly involved in Suspected Fraud Activity. I am now unable to open checking accounts with any Bank. This issue is causing severe challenges with me being able to pay my regular bills and having a basic checking or savings account. I have not been involved in any fraud whatsoever and want my name cleared of any wrongdoing. I have disputed this information with the TCF Bank and with XXXX several times and have not been able to have my information cleared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation