vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
GLA Collection Service added debts to my credit report in which I had no clue what they were for until I called them. I also called the original creditor, XXXX XXXX in which they refused to give me printouts of the original debts and when they occurred, what the insurance paid ( or if ), stating it was against the law for them to give me that information and that they forwarded everything to GLA. I know that is an outright farce because they are required to keep billing information for no less than ten years. XXXX XXXX also sent me bills for a XXXX XXXX XXXX and at the time I was XXXX XXXX XXXX. They are refusing to cooperate with me and my insurance. My insurance actually sent GLA a letter stating that XXXX is investigating the debts and that GLA needs to " forebear '' any debts until the investigation is complete. 

The address for GLA is : GLA XXXX XXXX XXXXT XXXX XXXX, XXXX XXXX The address for XXXX is : XXXX XXXX BILLING DEPARTMENT XXXX XXXX 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 2015-11-18 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
XXXX/Ohio. Called CheckSmart to arrange payments BEFORE loan in default ( due to legal situation, court with ex, etc ). Advised to default on loan, then I was told they would call me and I could make payments for a duration of 45 days. I did as they instructed me to. I defaulted, and awaited a call. However ; I did not receive a call and they debited my bank account for the full amount due causing me to go negative {$500.00} and we 're looking at {$300.00} in overdraft fees since I already set up my account to automatically send checks on my other bills. Called CheckSmart default loan/department and was basically laughed at by a worker then a " manager '' as it says in my contract they can debit my account. HOWEVER - they instructed me to go to the store and reloan as the best result since THEY did not keep our agreement. Had they told me they would debit my account, I would have tried to find a way around defaulting. I was trying to do the right thing since I am in a legal bind and paying a lot of money to my attorney to fight for me in court. This really set me back by far. Now not only am I out this money, I 'm out a lot more in fees and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
For over 20 month I was unemployed and I was behind with my mortgage. Original mortgage servicer was XXXX XXXX XXXX and the mortgage was transferred to Poundpoint Mortgage. 
XX/XX/XXXX I received a trial modification plan. 
I paid the trial plan on time XX/XX/XXXX when mortgage was modified. 
In accordance with Making Home Affordable program if the mortgage is modified the late payments shall be removed from the Credit Reports. 
Roundpoint Mortgage is still reporting my mortgage delinquent impairing my credit score and preventing me from getting credit. 
Roundpoint Mortgage is violating the clients wrights see the link below for victims XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TCF NATIONAL BANK
State: AZ

Complaint narrative:
We had a 5 year balloon payment with TCF National Bank. It expired in XXXX 2016, and my wife and I signed a Maturing Closed-End Loan Modification Agreement on XXXX XXXX, 2016. 
TCF still bills us at the old rate, saying that we are now {$2200.00} overdue in our mortgage payment. We are not overdue. Every payment has been paid on time and for the new amount. I have called TCF and they do nothing to rectify the situation.

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 2016-04-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been a customer since XXXX. In the XX/XX/XXXX I lost my job and a payment that I made in XXXX of XXXX was returned, I obtained a new job and paid the late fees, returned check fees and all other fees to bring my account current. At the time, my account was over the credit limit and a " restricted '' status had appeared on the website. I assumed that the restricted status was due to the over the credit limit and never questioned this. My husband and I are looking to buy a house this summer so we are improving our debt to income ratio and preparing, we suffered a file this past XXXX at my child hood home and my mother will be coming to live with us, so sale is very important to my family. Well last night I went on the website to ensure the payment in full of the account posted. I was surprised to see that the account was still listed as restricted, so I called the number it requested me to call and was transferred multiple times before speaking with the fraud department that told me my account had been closed in XXXX of XXXX due to my returned check. I became angry and asked for a supervisor who when I threatened the XXXX hung up on me. I called back, my first call has been 53:20. I advised of my concerns again and was again transferred to a fraud supervisor who informed me he did not have access to unrestricted my account and that his manager would need to do it but he had left for the evening. Call # 2 lasted 36:53 to be called I 'd get a call back. I decided to file a complaint with XXXX but still wanted this resolved, so I called the number on the bbb website once last night was resulted in my again being transferred this time to collections and now a case being opened with a callback within 7-10 days, this is unacceptable. I called again this morning to be transferred and told there was absolutely nothing anyone could do to unrestricted my account. 5 hours of my life wasted with no resolution and misinformation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: KEYCORP
State: OR

Complaint narrative:
Key bank holds all transfers in from other banks and credit unions for XXXX business days before giving you access to the funds. I have a XXXX XXXX Card with Key. We have a XXXX checking at a Credit Union. We also have a checking account at Key, but have not been using it for XXXX banking for a year because the same problem existed there with holds for XXXX days. XXXX. We get checks for XXXX regularly. We have to deposit then disperse some of this money within a day. This was impossible with Key 's rules so we moved to the XXXX for the XXXX checking. Now when we do a bank to bank online transfer from the XXXX to Key to pay down the XXXXcard, Key will not release any funds over {$200.00} for XXXX full business days. I recently paid {$5000.00} to the XXXX on XXXX/XXXX/15. on XXXX XXXX/XXXX/15 I still could not charge anything to the XXXX. I needed to order a new laptop and XXXX could n't get the charge to go through. I finally switched to a personal XXXX CC so I could get the laptop ordered and on it 's way - to run my business. Key insisted this is their policy and they are within their rights and the law to do so. I feel this is a predatory, non-consumer oriented policy that is hurting small businesses like ours. I do n't have lots of cash sitting around to absorb these things. I have to make payroll, pay my agents, and pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: P&B Capital Group, LLC
State: FL

Complaint narrative:
Repeated calls from XXXX from XXXX, and 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 2017-02-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
THIS COMPANY IS FALSELY REPORTING TO CREDIT BUREAU THAT I HAVE LATE PAYMENTS. I HAVE NO CONTACT OR ARRANGEMENT WITH THIS COMPANY.. I DO N'T OWE THIS DEBT THIS DEBT IS A FRAUD HAVE ASKED FOR ORGINAL INVOICE THEY HAVE REFUSED OVER TRWO YEARS AGO.

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 2016-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: CA

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX that was refinanced with XXXX and closed in XXXX 2016. The loan has since been transferred to Seneca Mortgage Services from a letter that XXXX has sent to me. I have not heard anything from current mortgage company Seneca. No statements, welcome letters, calls or any contact whatsoever. I have also tried to contact Seneca 's customer service but it 's all automated and ca n't get to a live person. It asks for a loan number but the loan number I was provided by XXXX says it 's not valid on both their phone and web access. I do n't know what to do at this point since I ca n't even pay a mortgage I 've never received a statement on.

Company response to consumer: Closed
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: MO

Complaint narrative:
I received a letter today, XXXX XXXX, 2016, that the servicing of my mortgage loan is being transferred, effective XXXX XXXX, 2016, from Seneca Mortgage Servicing to XXXX XXXX XXXX. This is a horrible nightmare for me!!!!! XXXX serviced my mortgage in the past and tried to take my home away from me. They had a racket going. They were putting part of my house payments into some other type of account and turning me in to the Credit Bureaus as nonpay! Fortunately, I caught them after only two months of this, but had to hire a lawyer to try to deal with them, as they were absolutely impossible to deal with! I also had to hire a company to help get this straight on my credit, which was another nightmare. I researched online and found out that XXXX had scammed many people out of their homes with similar tactics, then sold them out from under them. Even people who were retired and were caught totally unaware!! Due to the horrible experience I had with XXXX, I DO NOT WANT MY LOAN SERVICED BY THEM!!! What can I do to stop this???????? Need a prompt response!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I requested a payoff letter for my loan and was told it would take 5 business days to process my request. I explained that I needed to close on a refinance the next day and would come to the bank to collect the payoff amount in writing. The bank told me that they could not accommodate this. I explained that I would lose my lock on the rate and no fee refi, but it did not matter. They could not help me and would not issue a letter designating the 10 day payoff amount, even if I went to the bank to get it. The bank that is refinancing my loan was highly surprised as they could do this as a same day service and expected that TCF Bank could do this as well. I will need to resubmit my loan and lose the free refinance as well as an excellent rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: CO

Complaint narrative:
Our business has between 1-3 business checking and savings accounts ( I believe ) with Key Bank. The member who had sole access to the accounts died XX/XX/2016. XX/XX/2016, the business voted on a resolution to allow me access to the accounts. XX/XX/XXXX, I met with XXXX XXXX at the XXXX XXXX branch of Key Bank with all the documents my estate administration attorney advised. Almost two months later, there is always an excuse : unexpected training, illness, the only person who can help is in XXXX, etc. I even have XXXX of the account numbers, and need access. The business has come to a halt while I continue to wait for Key to make progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
My mortgage company, Roundpoint, increased my monthly payment due by about {$500.00} based on wrong property tax projection for the town of XXXX. They paid wrong amount to the town XX/XX/2016 and got refund XX/XX/XXXX from the town. Their escrow analysis for this year is based on the wrong amount they got refunded XX/XX/2016. Since I get tied of the mistakes they have made and overcharging for my escrow account, I requested the removal of my escrow account. They denied my request without justification. they stated that the loan to value ratio is greater that XXXX % but it is actually less than XXXX %. They also claimed that I have PMI, but currently there 's no PMI on my loan and I have not paid PMI out of my pocket. 
Customer service has not been able to answer to any of my inquiries and they don ; t allow me to talk to anyone who could answer to my questions and request.

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 2016-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
People 's United Bank was notified, by me, regarding XXXX transactions on my bank account that were paid by other means, due to banking error. 

People 's United Bank credited XXXX out of the XXXX transactions to my account. People 's United Bank admitted fault, but did not take care of the third transaction. 

The XXXX transactions took place on XXXX XXXX, 2015 - {$5600.00}, XXXX XXXX, 2015 - {$870.00} and XXXX XXXX 2015 - {$1000.00}. The transactions for {$870.00} and {$1000.00}, were taken care of, but the {$5600.00} was never credited. Initially, I contacted the bank within the normal dispute time requirement, but the bank representatives never took responsibility. I did NOT receive documentation in XXXX, 2015 to dispute the charges, or any other form of documentation to dispute the charges for the rest of the year. 
I made repeated calls for months with no response, to People 's United Bank, shortly after contacting them about the charge. I contacted People 's United Bank repeatedly, to take care of the {$5600.00}, with no response. I finally got a hold of the head of the ACH/dispute/fraud department and was issued a fax number after opening the complaint with the XXXX, yet I still did not receive any response from the company, even after sending the documents. 

People 's United Bank closed my account, without any warning or justification after I contacted them about this matter, hoping to discourage me, from pursuing this matter with them. I can justify this fact, because when I called about my account issue, they explained that they could n't assist me, because of my closed account. 

People 's United Bank has carried out a litany of unethical business practices and displayed blatant financial misconduct. People 's United Bank needs to be held responsible for their actions. 

I have proof of the transaction, paid by other means, via bank statement. I will also provide proof of email communication and call logs from my phone ( date/time ) during the date range, the transaction occurred with People 's United Bank. Fax confirmations, proving that I contacted People 's United Bank within recommended time frames, which also contained the necessary information to pursue the dispute, was also saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
Our mortgage has been with Roundpoint Mortgage for several years and we have never missed a payment. I get repeated calls from them as " payment reminders '' even though the payment is not late. Today ( XX/XX/2016 ) I received 2 calls from Roundpoint Mortgage ( XXXX ) within 30 minutes. I have our bank account set to automatically pay the amount due prior to the due date every month. As I said, we have never missed a payment or been charged a late fee. When I spoke to the second person today she said they would continue to call me until they get the payment, like I 'm a deadbeat or something. It is total harassment.

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 2016-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: AR

Complaint narrative:
i had my mortgage refinanced with XXXX bank mortgage and they sold it to RoundPoint mortgage and they have refused to provide me with all the terms and condition of this mortgage mainly having a 15 day grace period before payment is due. i feel that they are trying to force me into auto-pay.

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 2016-08-16 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
Trying to purchase a radio from a person on XXXX and my contact is know not answering her text messages after receiving monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
Bayview loan servicing and their foreclosing firm, XXXX XXXX has wrongfully collected funds from the sale of my foreclosed house. Bayview billed and collected money from me beyond what was fair and legal. 

The attached ledger shows that in their statement of what I owed, Bayview billed me twice for the foreclosing attorney 's fees. 
Arrowed XXXX and XXXX in the attached documents. 
I was charged {$660.00} on XXXX/XXXX/2016 on behalf of the attorney 's firm, XXXX XXXX. Then the same charge was billed to me again on the ledger of attorney fees, which I was billed again {$660.00} on XXXX/XXXX/2016, then {$75.00} XXXX/XXXX/2016, and {$310.00} on XXXX/XXXX/2016 all on behalf of the attorney. The {$660.00} appearing twice is a double billing and an improper charge. 

The attached information also details property inspections by Bayview for 3 years which I was not aware of, I was not notified,, I was never billed, and the payment for these so called property inspections they claim are paid by their corporate office without my knowledge and consent. They have collected {$1300.00} for these inspections, which I knew nothing of. They billed for these inspections even in months when my mortgage note was paid, and they never notified me. It is fraud and unfair act against FDCPA. 

XXXX XXXX also collected additional {$690.00} fees from the surplus of the sale after all their services had been billed and collected by the lender from me. I complained to the firm that it is atrocious, and any agreement of charges was between them and the lender who hired them. Since they were hired by the lender and paid by the lender who billed me for all fair services, under the law, any direct additional billing by XXXX XXXX is unfair under FDCPA and I do not agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Globe Acceptance, Inc.
State: TX

Complaint narrative:
Globe Acceptance, who purchased my auto loan, refuses to provide statements of any kind and will only tell me my balance over the phone. I had requested and received on a few occasions a ledger, but they have told me that I will receive nothing further in terms of documentation regarding my loan. I was told that my XXXX bank statement served as record of payments to them. My loan is current and I have never been late or missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
I am XXXX years old. I was conned into transferring money via Western Union to an individual in XXXX. The amount was {$450.00}. Below is a copy of the letter I wrote to the US Attorney General on the matter. I hope you will be able to help me get back my money and also put an end to the harassment that includes : freezing my computer, freezing my XXXX mail account, freezing my Internet while I am on it. The scam artists profess to be " certified engineers '' working for " XXXX 's XXXX XXXX XXXX. They are very clever in the proofs they offer to help individuals like me who encountered problems while using my computer. Please review the details of the letter I am attaching. The money transfer occurred on XXXX XXXX, 2015 at XXXX. from XXXX # XXXX in XXXX XXXX, XXXX, XXXX. The money was wired to XXXX XXXX in XXXX. Converstion password was " XXXX. '' Telephone contact for service was XXXX. The man you perpetrated the fraud was from " XXXX XXXX. '' Their representatives worked with me from telephone contact numbers such as : XXXX, XXXX, XXXX, and XXXX. They promised computer technical support they never provided. Instead, they took control over my computer and my programs in it. Please HELP!

Company response to consumer: Closed with explanation