vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I mailed a validation letter to Phoenix Financial Services for a debt that they claim I owe them. I noticed it when I pulled my credit report recently, therefore I sent a validation letter requesting more information the account they claim I owe them. On XXXX XXXX, 2015 I received a letter with information related to the account with insufficient information. The statement attached to the letter does not provide detailed information such an itemized or details of services. The statement date is as of XXXX XXXX, 2015. Lastly, I have never been to XXXX XXXX XXXX XXXX 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 2016-06-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
To whom it may concern, I would like to file a complaint again my mortgage company Bayview Loan Servicing LLC, for violation of The Real Estate Settlement Procedures Act ( RESPA ). I did a modification of my mortgage last year to a XXXX loan and was advised by the Bayview Representative that my Property Taxes and Homeowner Insurance would be paid from my Escrow going forward, I was advised by the Representative to provided Bayview with my Property Tax documents when I received them. In XXXX XXXX I mail Bayview Loan Servicing LLC a copy of my Property Tax documents and I also faxed the same information their office on XXXX XXXX, XXXX, as you can see from the attached documentation. 
In XXXX XXXX, I received a letter from my XXXX Tax Collector advising me that as of XXXX XXXX, XXXX, my taxes were not paid. I then contacted Bayview Customer Service to advise them that my property taxes were not paid. The Representative advised me to fax my information again to the Customer Service fax number, I faxed the information on XXXX XXXX, XXXX, as you can see from the attached documentation. I followed up with a call and was advised it would take XXXX to 60 days for my case to be resolved. I followed up again with a call on XXXX XXXX, XXXX, and was advised that my investigation would not be close until XXXX XXXX, XXXX. Ok, on XXXX XXXX, XXXX I called Customer Service to find out the resolution and was advised I would receive a letter from Bayview regarding my Property Taxes payment as of today I have not received a letter of resolution or any communicating from Bayview and my Property Taxes still is not paid as you can see from the attached and tax amount has increased from XXXX XXXX to current to a larger amount. 
Thank you for your time regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
My name is XXXX XXXX : I am writing because I have not been able to use Western Union nor XXXX to do money transaction here in the State of Pennsylvania as I have been doing money transactions with these XXXX companies for several years up until XXXX XXXX of this year. 
I had received refunded my money back and will need to do a transaction again in XXXX and I want to know for sure before that time I will be able to use either XXXX before that time. The resolution is that I can go to any Western Union store or a XXXX XXXX store to do money transactions without being interrogated by the clerks at these stores. 
Thank you in advance as I received your latest email saying that the XXXX was still being investigated and I would rather use WESTERN UNION or XXXX as I do them in person but would like to be able to do them on the computer. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
On Thursday we sent {$8000.00} by Western Union to XXXX from our local XXXX grocery store. They said it was no problem. Western Union on Friday said it was over their limit and canceled the transaction. The big issue is that XXXX ca n't pay back the {$8000.00} because their payout limit is only {$4500.00}. We went to XXXX locations and called on XXXX others and still can not locate anyone who can pay back our {$8000.00}. This is now Saturday and we have made XXXX calls to Western Union, all we get is constant transfers and every time we need to re-explain what is going on. Every time they look up the same locals we have already visited or called. It seems we are going to have to hire an attorney to get our money back. How can you let companies operate like this. They should not be allowed to accept more than they can pay out. They get cancelations all the time and should not be allowed the accept a money transfer greater than the amount the location can pay back. Another issue is that the stores, western union agents, do n't know how much each country can receive. The max limits should be posted and easily identified and the store agents should also be responsible for knowing these or for looking them up on transactions over {$1000.00}. At this point it appears we will need to go to an attorney to get our money back but the agents should have a policy of not takin g in more than they can get back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AES/PHEAA
State: AZ

Complaint narrative:
My original debt was included in my 2010 bankruptcy and National Collegiate Trust purchased it anyway. They continued to try and collect despite being notified on multiple occasions that the debt was no longer valid. I wrote letters to XXXX different addresses and included my bankruptcy paperwork. I also told multiple collection agents about the bankruptcy. They recently filed a lawsuit against me trying to collect the discharged amount plus the interest they tact on. Everyone should be aware of National Collegiate Trust. Force them to validate your debt and make them prove they are within the time frame to collect. I wish I had known to do that when I was wasting my time writing letters and telling collection agents this was included in my bankruptcy. They do n't care. I should have reported them a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 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: IL

Complaint narrative:
I have a mortgage and I requested a modification that was approved in XXXX 2015. I am filing a complaint because I believe that the terms are unfair and put me in a worse off position than I was. The terms are for 40 years and there is a huge deferred balance that is not explained that is due at the end of the loan. I am was not behind {$83000.00} which is the deferred amount. What is this, how was it calculated and how am I supposed to pay this new loan for 40 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I have a levy that was charged agents me back in 2012. I am currently collecting XXXX and XXXX. My bank has taken the levy out on the child support both are direct deposit. They have said that the XXXX is the only money they can not withhold from the levy. I have done some research and it seems that they ca n't levy either. What can I do to get the money back that they have already levied and prevent this from continuing?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Gallatin Valley Financial
State: MT

Complaint narrative:
Rocky Mountain Credit ( no license # on letterhead ) at XXXX XXXX, XXXX, Mt XXXX, XXXX XXXX XXXX XXXX. Reported me as a delinquent on my credit report, even though I disputed the claim within the 30 day timeline. I requested any type of document with my signature, they failed to do so, and sent me a bogus XXXX invoice that even I can generate. They reported this as a delinquent account even after I followed the legal steps and disputed, without them being able to verify the debt. What steps do I have to take to clear this erroneous reporting on my credit report, and to evoke their collection agency license?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
I was contacted by a former vendor I had used to repair my PC, who called me up and stated that they were going out of business and wanted to repay me $ XXXX.They asked me to click their company 's link and I gave them information to credit my bank account. Well, they called and said their new customer service rep had inadvertently transferred {$2500.00}, which showed up in my online banking transactions. They requested I go to Western Union and they gave me a print out of who to wire {$200.00} to someone in XXXX. At this point the vendor had control of my PC and had placed a password lock on it so that I could not utilize it until I had satisfied their requests. I was then told that another {$2500.00} had be placed in my account, which appeared on my online statement. Then there was another {$2500.00}, followed by a {$9000.00} deposit to my PC.. Finally realizing what was happening I quit sending money after I had sent a total of {$7300.00}. The following morning I reported this to my bank, XXXX XXXX, and they closed my account. I visited the bank that day and was helped to perform stop payment on a number of disputes. I posted a police report. I was told I was not eligible to receive the {$7300.00} in money fraud from my bank even after elevating this to the district manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I sent a WESTERN UNION transfer to a SR. ATTONEY and he said he did n't get it and WESTERN UNION said it was paid correctly and I just received the letter from them stating it. and if you want me to FAX a copy I WILL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: OH

Complaint narrative:
To Whom it may concern : I recently opened a checking account with Key Bank and received a letter in the mail this weekend that my account is being closed per their " Deposit account agreement and funds availability policy. '' I went to the local branch and they could not answer what this was about as they saw no unusual activity on the account. In fact the only unusual event was that my opening deposit I submitted online from My XXXX XXXX account entered my Key account but was sent back to XXXX XXXX. After this every electronic transfer was fine and had no issues ( the bank branch could n't explain that either ). 

I 'm more concerned I called the depart I was advised to call and they were unable to provide anymore information than " the account was being closed per the policy. '' How can they close an account with no explination to the consumer? I have a right to know what is going on and why they were taking that action. 

On another note I want answers because my tax refund was paper filed this year due to my wife 's XXXX status and being a first time tax filer. My refund is scheduled to enter the Key Bank account however it will no be closed by the time they submit my refund. This is a problem as I can not change the bank account information after filing and Key will not explain anything to me. I am afraid I will never get my tax refund back at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GLA Collection Company, Inc.
State: IL

Complaint narrative:
There are XXXX accounts reported on my credit reports from GLA Collection, one from XXXX and the other XXXX. XXXX showing " Open '' but with {$0.00} balances. The one from XXXX has been PAID but still showing " open '' The second, I do not recognize the account number nor do I owe them anything associated with this account number. I do not know why the one from XXXX is even on my credit report and showing " open '' with a {$0.00} balance.

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 explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GLA Collection Company, Inc.
State: FL

Complaint narrative:
I found a `` XXXX '' account on my credit report in the amount of {$170.00}, Account No. XXXX. It was opened XXXX/XXXX/XXXX and reported to my credit XXXX/XXXX/XXXX. 

I did not go to XXXX XXXX XXXX XXXX or take my adult sonvthere in XX/XX/XXXX or XX/XX/XXXX. I also never signed anything giving anyone permission to take my son there so this could not be my bill. 

I have repeatedly requested verification of this account being mine from GLA Collections as well as from XXXX XXXX XXXX XXXX. I have never received any verification from them because this account does NOT belong to me. They either entered information incorrectly or someone used my name. I dispute this information. This is NOT my bill. 

I am also unable to find out exactly who I supposedly owe this too. I live in XXXX and have googled this place in XXXX and sent letters to any addresses I could find.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
My Homeowner 's and Taxes are escrowed each month. My Mortgage Company, Roundpoint Mortgage Servicing failed to pay my insurance premium and my Homeowners lapsed. I had to pay this out of my own pocket to get re-instated. I can not get an answer to any of my attempts at reaching this company by phone, e-mail, certified letter, fax or secure message through their website. I can not get any answers from them as to why this happened. The funds are there, they just chose not to pay my premiums.

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 2016-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP
State: OR

Complaint narrative:
My name is XXXX XXXX with XXXX. I have been hired by the sellers to help facilitate a short sale on their behalf. I have been working diligently with PHH Mortgage on getting them the docs they need to get this moving however for the last 3 months the file has been stagnant. Not even the negotiator from PHH can tell me what is going on. All I hear is it is with the investor. The sellers are upset, the buyers are losing hope and the agents are furious. 
It seems PHH Mortgage is keeping this loan for some reason and does not want it to have a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: The Moore Law Group
State: CA

Complaint narrative:
This is an old XXXX gas card. I told this same collection agency and XXXX, THIS card was used by another person for unauthorized use. 
I had a cousin who i helped, unfortunately HE used this card without my permission on numerous occasions. After he moved he wrote me and told me. 
this collection XXXX XXXX XXXX XXXX XXXX Ca XXXX 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 2016-11-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: NY

Complaint narrative:
Recieved a letter in the mail telling me keybank closed my account .... open an account on the 5 and today is the 13 and wasnt notified till today with a letter .. 
If there was a problem with opening the account i should have never been able to open and account .... my money is going to be sent back to me via check and have to wait for XXXX knows how long ... called keybank customer service and the do. Ot see why im account is closed ... worst bank in the world waste of time and waste of money for the simple fact i have to wait for a refund of my money and never was told why my account was being closed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 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:
My previous apartment wrongfully placed us on collection without us being notified about it. I went into contact with the apartment and they agreed to settle and remove the collection they had placed on me because it is a fault on their side since i gave a move out notice complete with the my new address and phone number but i was not contacted. Several weeks goes by and my apartment said it has been taken care of but the collection is still showing on my credit report and i have tried to contact the collection agency many times they just keep saying they ca n't access the account # and send me to voicemail of some guy which never calls me back after me leaving messages

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Prime Source Mortgage, Inc
State: CA

Complaint narrative:
I was refinancing XXXX of my XXXX properties with Prime Source Mortgage in XXXX, CA. They approved, then denied my applications, then approved XXXX of the XXXX. I decided, I no longer wanted to work with this company and moved my application to the Broker I was working with prior to Prime Source Mortgage. My loans are approved with XXXX through the broker XXXX XXXX. The lender has requested to have my appraisals transferred, that I paid for. They will not transfer. Prime Source Mortgage has indicated that they have proprietary ownership of my loans? They are refusing to release all XXXX of my appraisals to the lender I have chosen to work with. How can a lender stop me from choosing to work with someone else?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: KEYCORP
State: FL

Complaint narrative:
I, XXXX XXXX, signed my mother 's signature XXXX XXXX for a loan in 2007 that I received during my attendance of school. XXXX XXXX spoke with Key Bank, after discovering on her credit reports, which I was informed they were extremely rude and nasty about the matter that is why she resulted to complaining to the CFPB. I also contacted Key Bank and provided a letter informing Key Bank that I am completely liable for this loan. I am also attaching XXXX of the credit reports my mother provided me, showing that Key Bank has the XXXX account listed on her credit reports three times. She indicated Key Bank has it listed like that on all her credit reports. I signed for XXXX loan with them, so they should not be reporting the account as Key Bank XXXX under account number XXXX, then same account ACS-Key Bank account number XXXX, then a third time Key Bk XXXX. These XXXX accounts are the same XXXX account and my mother has notified them and they still display it as XXXX accounts on her credit reports. Key Bank is dishonest in saying that they tried to contact my mother with no avail, she spoke to their fraud dept. told me that is how they obtained her address in which they did not have. She provided her signature over and over to show that is not her signature, which she is correct, it is mine, XXXX XXXX. I have attached new information and previous information submitted by XXXX XXXX, that she provided me. She informed she is not only mentally exhausted but this stress has taken a massive impact on her health in which I am totally apologetic for. My mother is in the process of obtaining legal representation for Key Bank 's refusal to delete and for reporting the same account three times on her credit reports. Key Bank 's refusal to acknowledge that they have received the documentation to support this debt does not belong to XXXX XXXX. She also said she was baffled why they did not contact her as she has a fraud alert before allowing me the loan. XXXX XXXX never had any knowledge, never received any documents or signed nor did she receive any benefits in regards to the loan. As I have admitted prior, XXXX XXXX XXXX XXXX XXXX XXXX is solely liable. My mother has been through more than enough turmoil. As she stated prior she was dealing with my father and only sibling battling with XXXX and I did not want to ask her to sign for the student loan, so I signed, which I had no right or permission to sign my mother 's name XXXX XXXX XXXX XXXX or provide her information.

Company response to consumer: Closed with explanation