vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: MS

Complaint narrative:
I purchased my home in XX/XX/XXXX. I refinanced my home in XX/XX/XXXX. At that time it was a streamline refinance. I had no closing cost. My home was sold to a lender which was round point mortgage in XX/XX/XXXX. In XX/XX/XXXX I received an escrow letter stating I owed around {$1600.00} in escrow because of my county and city taxes. I understood this because the total taxes were not refinanced into the mortgage because, the taxes were based on an empty lot. I sent a full amount and the mortgage was adjusted to include the amount. Now I receiving an escrow letter stating they want {$1000.00} for cushion in escrow or they will raise my mortgage again to reflect a cushion amount. Everything is being paid. And the escrow account is left to a {$0.00} balance. I feel since everything is paid there is no need for a cushion amount of {$1000.00}. And if they needed a cushion amount this should have been explain on the front end of the refinance or the year the escrow was short for the taxes owed and they adjusted the mortgage. Now I am looking at another {$100.00} in mortgage adjustment I can not afford or a full payment of {$1000.00} of cushion I can not afford. This almost feel like an adjustable mortgage rate. My mortgage is going up {$100.00} every year. I can not afford this. And I should not be forced to do either if everything is being paid. Cushions of escrow along and adjusting monthly payments is not acceptable if there is no shortages at all. Or they can simple ask for the shortage amount to be paid. But how can you ask for a cushion two years later?

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 2016-02-23 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Valentine and Kebartas, Inc.
State: PA

Complaint narrative:
spoke with XXXX XXXX at Valentine Law Offices. He has violated the FDCPA and stated that I can not consolidate my loans because he is going to submit me for garnishment which is falsifying information and a scare tactic to get me to pay him and do the rehabilitation program. He also did not state the mini Miranda on our phone call with a third party on the line. He is also way too aggressive to be handling my student loans and this agency does not deserve to service my loans. He needs to be reprimanded and sent back to training and I would like proof.

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 2016-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: AZ

Complaint narrative:
SENECA MORTGAGE SERVICING XXXX XXXX XXXX XXXX, NY XXXX REQUEST : SENECA TO STOP COLLECTING PMI, AND REFUND ALL PAID PMI Our mortgage loan from XXXX was transfered to XXXX XXXX XXXX XXXX ( XXXX ), on XXXX XXXX. 
XXXX XXXX XXXX XXXX ( XXXX ) according the PROMISSORY NOTE reduced all ESCROW COLLECTIONS FROM {$200.00} to {$87.00}, for period until XXXX XXXX, and ELIMINATED Private Mortgage Insurance ( PMI ). An ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT was sent to us, from XXXX on XXXX/XXXX/XXXX, with effective XXXX/XXXX/XXXX, and monthly payment {$940.00}. Shortly thereafter, XXXX transferred servicing right to SENECA MORTGAGE SERVICING LLC. 
On XXXX XXXX SENECA confirmed this transfer, and WROTE THAT NOTHING WOULD BE CHANGE IN OUR LOAN. We paid monthly {$940.00} monthly to SENECA ( look Mortgage Statement from XXXX XXXX ). 
But, later began to send letters for payment, and without any reason ADDED PMI, AGAINST THE PROMISSORY NOTES, INCREASED EVERY FOUR MONTHS, OUR MONTHLY PAYMENT, ANY OUR REMARK OR REQUEST TO STOP INCREASING THE MONTHLY PAYMENT, SENECA IGNORED! 
PMI is not INCLUDED in PROMISSORY NOTE, and SENECA HAS NOT RIGHT TO TAKE THIS. 
In the letter from XXXX, from XXXX XXXX is this explaned, also! 
WE ARE ENTITLED TO A REFUND OF ALL PMI PAID! 
IF SENECA AGAIN IGNORED TO SATISFIED OUR REQUEST, THIS CASE WOULD BE ACCORDING ARIZONA DEPARTMENT OF FINANCIAL INSTITUTION, SUBJECT TO THE COURT! 

******** AFTER THIS LETTER, WE CONTACTED XXXX XXXX, AS LOAN GIVER-INVESTOR TO HELP US, BUT XXXX XXXX NEVER GOT ANY ANSWER FROM SENECA. 
We pressed SENECA, TO STOP INCREASING OF OUR MONTHLY PAYMENT, XXXX ASKED TO RETURN ALL IRREGULAR TAKEN MONEY FOR ADDED PMI IN OUR LOAN, BUT WE NEVER GOT ANSWER FROM THEM. 
ON XXXX, we got the letter from SENECA , THAT SENECA SOLD-TRANSFERED OUR LOAN TO " XXXX '' MORTGAGE LLC. ( look letter from XXXX/XXXX/XXXX ). Probably to avoid following consequences! 
We contacted XXXX XXXX in XXXX, XXXX and XXXX many times but they could not do anything. 
In between, XXXX asked for payment the loan, and never want to TALK WITH US. WE WANTED NO TO BE LATE WITH OUR PAYMENT AND SENT PAYMENTS, FOR THESE MONTHS, to " XXXX XXXX ''. WE ARE NEVER IN ANY DEPTH AND NEVER LATE WITH OUR PAYMENT. 
iN FACT, SENECA TOOK MORE MONEY FROM US, ADDED PMI, since XXXX XXXX to XXXX XXXX. We need this money back, and all reduction in our loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP
State: OR

Complaint narrative:
I was automatically signed up for a mileage account when I opened a HELOC. Since I did n't want to pay the {$30.00} fee, I closed out my XXXX account in 2008. I was refunded the {$30.00} fee. My account was charged the fee again the following year. I wrote letters, called my loan officer and customer service 800 numbers. No one listened. As a result my overdraft account has snow balled as fees and penalties keep being added to a fee that should have NEVER been there. My overdraft protection should be at zero, and I should have a positive balance in my bank account, because I pay {$97.00} a month, while my bill is {$96.00}. 

Bureau of CFP, please do n't reward Key Bank 's customer no service for failing to listen to me, then stealing my $ by adding fees and interest due to their incompetence. 

Most Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: NC

Complaint narrative:
We had our mortgage thru XXXX XXXX XXXX and was paying {$1900.00} on XX/XX/XXXX our new statement went to {$1600.00}. In XX/XX/XXXX our mortgage was sold to Seneca Mortgage Servicing and payment remained the same {$1600.00} until XX/XX/XXXX we received a letter from Seneca Mortgage Servicing stating as of XX/XX/XXXX or payment was going to increase to {$2200.00}, unless we paid a shortage of {$4000.00} plus add PMI back on which would still have our payment go back up to {$1900.00}. We had no clue what was going on so we called Seneca Mortgage & they said there was a shortage on our escrow which they paid when they took over loan in XX/XX/XXXX, so we then called XXXX XXXX XXXX and they acted as if they had no clue as to why, then after several attempts to talk with someone concerning our loan they said there was a computer error back in XXXX that dropped our PMI and lowered our mortgage payment so for a year we paid what was in our statement each month from XXXX XXXX and also Seneca. In XX/XX/XXXX we paid Seneca the {$4000.00} plus took our mortgage payment from {$1600.00} to {$1900.00}. We was told by both mortgage companies there was nothing we could do nor was either willing to work with us on a problem on there behalf. Is there anything that can be done about this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a checking account with Wells Fargo that I closed over a year ago. I recently received a statement for the account indicating that the account was still open with a balance of XXXX cents and a service charge of {$10.00} due to the low balance. 
I called the customer service line and explained the situation. The representative asked for my password but I explained that I had closed the account of a year ago and that I did n't recall. Their response was that they would not be able to assist without the password and that I would need to visit a local branch for assistance. 
I explained that I did not need to discuss the account and that they should be able to clearly see the issue and resolve the matter without further discussion. I further explained that this was their problem and that I had neither the time nor the inclination to visit a bank branch to deal with what was clearly their error. They offered no further suggestions and reiterated that I would need to visit a local branch for further assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I VISITED WITH MY XXXX DOCTOR A YEAR AGO, XX/XX/XXXX. AT THIS TIME, I WAS NOT INSURE. I SELF PAY FOR THE XXXX VISIT. UNFORTUNATELY, I WILL BILLED XXXX DOLLARS. I WAS ERR FOR NOR FOLLOWING-UP WITH XXXX XXXX TO INQUIRE ABOUT THE DEBT..HOWEVER, NOT LONG, I RECEIVED A LETTER FROM QAR RECOVERY ABOUT THIS DEBT. I GOT FURIOUS NOW AND CALL XXXX XXXX BILLING OFFICE. I SPOKE WITH A REPRESENTATIVE AND INFORM THEM THAT I SELF PAY FOR THE VISIT AND IT IS THE POLICY OF XXXX XXXX TO REDUCE THE PRICE WHEN THE PATIENT IS SELF-PAYING. THE REPRESENTATIVE AGREES AND APOLOGIZE AND THEN REMOVED THE OUTSTANDING BALANCE FROM MY ACCOUNT. I ALSO CALL QAR AND EXPLAINED TO THEM THE ISSUE AND THEY INFORMED ME THAT THEY WILL LOOK INTO IT. THIS ISSUE HAS BEEN RESOLVE FOR OVER A YEAR NOW. LAST WEEK, I RECEIVED A NOTICE ABOUT A CHANGE IN MY CREDIT HISTORY FROM MY CREDIT PROVIDED. WHEN I CHECKED, IT WAS XXXX.I TAKE MY CREDIT VERY SERIOUSLY AND I AM VERY CONCERN AS TO WHY THEY HAVE PUT THIS ON MY ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I tried to consult with chase bank about reopen a checking account but they refuse to do it because they saw a certain transaction about a forge check after I gave my personal information to a person I do not know of from social media chase put my checking account on restriction and permanently end my relationship by switching banks like XXXX XXXX XXXX or XXXX or XXXX and then when I ask when it is going to clear up they do not give any answers and they do not care about former costumers coming back to chase so it will be challenging to open an account I made a huge mistake in the past but chase do not get second chances or nothing the lesson is never give someone your personal information nor password because once they hack accounts and think it is you there will cut you off like that I almost got thrown in jail but at least I filed a police report on a person who steals my identity and hack my report so yeah chase do not care about reopening accounts for the future and do not give answer which strictly NO!!!! 
What can I do to make my financial status feel protected? chase do not want my money because of fraud and I 'm trying to get another chance. What can I do? 
What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MS

Complaint narrative:
On lease form the amount owed is exaggerated. The lease that procollect provided for payment was altered. Lease time whited out. Did not sign the copy that the company whitened out. Have copy to show the original plus the copy provided by the collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
TCF Bank sold me a terrible loan in 2006 under the terms of 7.25 % for 40 years with zero money down. I was likely taken advantage of, but nonetheless I did sign to the terms. I 've never missed a payment since, and I 've called to refinance. They will not refinance my loan because my LTV ration is not 20 % or greater. Because of the loan structure, in 9 years I 've only paid {$6000.00} in principal. Other banks would be happy to work with me and refi, but my home does n't appraise for the XXXX ratio. My loan does n't qualify for HARP either. I 've asked TCF to work with me and adjust my loan but they wo n't, and wo n't return my calls. I even mailed them a letter. I feel very much stuck, as I ca n't refinance and/or sell unless I want to bring over {$30000.00} to closing.

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 2017-03-22 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:
The debt for XXXX was deleted off XXXX from Procollect. I have no knowledge of this medical bill. It needs to be deleted from all XXXX credit bureaus immediately.

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 2015-11-07 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:
SUMMARY : TCF intently setup a system to rip-off customers by delaying and manipulating the posting of transactions as a strategy to unfairly deceive for financial gains. 
XXXX TCF intently set up a system to rip off customers by delaying and manipulating the posting of transactions as a strategy to to find opportunistic time to charge unauthorized fees. I have called to complain to TCF on each of the different fee charges below and request that the fees get reversed, but they simply refuse to listen. I do n't understand how such a practice can be legal. Here are the fees charged and the dates they where charged on the accounts end in XXXX & a recently closed account. 

Acct -- -- -Dates XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX funny thing is, for many of the transactions that resulted in those fees, right before issuing the transaction, I would check my bank account, see that there 's enough fund to cover the transactions, only to find the next day that TCF had something else under their sleeves. In most cases, TCF would claim that yes you did have enough fund in your account at the time, but your deposited checks did n't clear in time to cover the currently issued transactions and those " delayed '' transaction that never did show up in the first place. They pick and choose, when or what time to post transactions as a " delaying strategy '' to intently charge unwarranted fees. That 's a clear definition of Unfair and Deceptive Practice. Especially that when all these fees are being accessed, at least XXXX of the accounts ( checking or savings ) always has enough fund to cover for any transactions that may have been issued by me ; but TCF asks for fees every time they would be put in place to process a transfer from your own account to cover a transaction from one account to another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
Loan Officer directed Buyer and Selelr to schedule a closing for XXXX XXXX. Closing is scheduled. TCF bank has not answered phone calls or responded to emails regarding the status of borrower 's loan application for more than two weeks and closing is now 2 days away. Loan may possibly have been denied at underwriting level but since TCF is not corresponding / communication with buyer or buyer 's lawyer, we can not know for sure. Buyer is about to default on contract for purchase of property due to lender 's refusal to share this information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: GA

Complaint narrative:
Hello, I 'm in desperate need of mortgage intervention. I 'm a senior home owner with fixed income. I 'm having a big problem with my lender. I 've have my home for 26 years. Back in 2009 my sub- division suffered a devastating flood that affects the value of all property in the sub-division. For the past three years, I have family illness that causes me not to be able to make my {$1200.00} mortgage payment. So, I reached out to my lender Seneca Mortgage Servicing, LLC, out of New York. I reached to them to let them know that they need to lower my principle or to re-finance my mortgage because of the devastating loss of the value. I paid another company to help me to intervene. What I did n't realize is that Seneca Mortgage servicing only reduced my payment, but redo it for another 40 years. I did n't know this until I came back home from helping my ill family. I consider this practice as PREDATORY LENDING. I need help in getting this issue resolved. I should not be starting over for another 40 years when I 've had the house for 26 years already. WHO DOES THAT. They split the mortgage into XXXX, XXXX is for {$120000.00}, and the other is for {$55000.00}. The house does n't worth this {$170000.00}, and I should n't not be starting over. I thought that after two years of not missing any payment, they will forgo the {$55000.00}, part of the split. That was my understanding. Seneca Mortgage Servicing, XXXX XXXX XXXX, XXXX, XXXX, XXXX. Home address : XXXX XXXX XXXX, XXXX, XXXX, XXXX. I need set up a new financing plan that does n't include the {$22000.00}. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I sent money thru western union on XXXX/XXXX/15 amounting to {$2700.00} for emergency surgery of my sister and was told that the fund will be readily available. My sister tried to get the money on XXXX authorized western union office in the XXXX XXXX such as XXXX and XXXX but was told that the money is not available and they do n't have enough funds asked to come back on XXXX/XXXX/15 which is 5 days after the money was sent, she as also advised by the XXXX agent to leave the claim form without the money being released which sounded kinda fraudulent. I called the customer service here in the US but agent is not helpful and incompetent to handle the issue, i submitted a complaint to western union website but up to this time i have n't received any form of follow up from them. Pls help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP
State: NV

Complaint narrative:
on XXXX/XXXX/2013 I made a {$20000.00} payment to Ket Bank against my principle balance. After making the payment I confirm by phone with Key Bank that the payment would be applied to the principal only! I later found that they applied it to future payments - collecting a years worth of payments and interest in advance. I also feel they collected double interest for more than a year before their indiscretion was discovered. Now that this loan is paid in full ( and then some ) Key Bank refuses to refund me any and all overpayments made against this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: TCF NATIONAL BANK
State: CO

Complaint narrative:
TCF : I TRIED TO REFINANCE WITH TCF NUMEROUS TIMES. THEY DO N'T WANT TO REFINANCE WITH ME I THINK BECAUSE I HAVE BEEN PAYING MY MORTGAGE ON TIME. THE RATE I HAD THEN WAS 7.5 %, WHICH WAS A MORTGAGE OF {$920.00} A MONTH. NOW IT IS {$1000.00} A MONTH. I FEEL LIKE I 'VE BEEN TAKEN ADVANTAGE OF BECAUSE OF ME BEING IN A XXXX PROGRAM, AND THE FACT THAT I'AM A VETERAN. THEY ALSO TOLD ME THAT TCF WAS GIVING UP THEIR CONTRACT TO XXXX XXXX. THIS WAS 3 YEARS AGO. LIKE THIS WAS REALLY SUPPOSED TO MAKE A BIG DIFFERENCE. NOTHING WAS DONE ON THEIR PART. I 'VE HAD ALOT OF FINANCIAL DIFFICULTIES AND GETTING NO HELP FROM THEM ON THIS PART. WHAT CAN I DO ABOUT THIS? I 'VE HAD TO DO A BANKRUPTCY IN 2016 BECAUSE OF MY DIFFICULTIES. HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
Round Point Mortgage failed to calculate the appropriate escrow amount for last year 's tax bill, as a result I have stated they need to recalculate the amount I am charged on a monthly basis. This overestimation resulted in an approximate {$3500.00} refund from last year 's property taxes, which would be about {$290.00} reduction in escrow on a monthly basis. I have attempted to resolve the issue on 5 different phone calls ( all of which were unable to confirm the discussion through email to have a record of these conversations ), and over 3 secure messages. Their poor customer service has added no assurance that this matter is being taken seriously, and has me wishing that my XXXX mortgages that are currently with the organization had been sold to a more customer friendly and responsible mortgage service provider.

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