vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: KEYCORP
State: ME

Complaint narrative:
I had a Home Equity about to go into repayment, I stopped at a branch to ask as question about if the loan would remain a fixed rate. The sales pitch began and I agreed to a loan for a larger dollar, filled out the app and supplied ALL info asked for. I received a call saying I was approved. A few days later I decided that this new loan would not be in my best interest. I called the branch and left a message for lender that I was no longer interested and I 'll just let the account go into repay. I received messages following up and I 'm sure a likely attempt to change my mind.TODAY I received a denial letter saying they regretted that after carefully considering my application they are unable to approve for these reasons ... credit application incomplete and failure to supply requested additional information. XXXX untrue, I denied them! My complaint is the impact and concern that this denial may impact my credit report and if so that needs to be corrected. I would call the Bank but want to make sure no other customers receive a denial letter when they were n't denied nor have their credit report impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: KEYCORP
State: UT

Complaint narrative:
I am deeply troubled because Key Bank raised the interest rate on my business card to 30.24 % for no fault of mine. I have never been late on my payment. 

I was scammed by a company back in XXXX XXXX and I requested a chargeback. After about 30 days of investigation the KeyBank fraud department approved the chargeback and credited my account. I did not make payments during those months because I did not owe them any money because of the chargeback credit. 

Then in XXXX XXXX I get a letter from KeyBank that they have reversed the credit and recharged my account the {$2000.00} I was charged by this scam company. I decided to make monthly pmnts but on examination of my statement I am being charged now 30.24 % interest and my credit score has been damaged. 

I called keybank support and talked to XXXX and her supervisor and was told that KeyBank does not lower interest rates and there is nothing they will do about it. I am extremely upset about this. Key Bank has hurt me, cost me money and damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
We have a home loan with Roundpoint Mortgage. In XXXX we sent {$270000.00} with a request to recast our loan. We were eventually referred to a XXXX XXXX who told us to send our recorded Deed of Trust, we sent it several times. He stated in an email XXXX/XXXX/15 that he received all XXXX pages, then on XXXX/XXXX/15 he stated in an email he did NOT get them, and we sent them again. On XXXX/XXXX/15 he stated in an email he got all pages. We sent several emails asking for a status update. On XXXX/XXXX/15 he stated in an email that the processor will have documents to us by end of XXXX. We sent emails the end of XXXX asking the status as we received nothing from the. On XXXX/XXXX/15 he called our home and stated that they were waiting for us to send the Deed of Trust! He was reminded of all the above information and after arguments he " checked with his processor '' and said we would have documents by XXXX. We asked for that in writing and also to speak with his supervisor XXXX XXXX. XXXX never did return a phone call and neither XXXX nor XXXX have returned multiple requests for a status update. They have had our money since XXXX. All we are asking is to have our loan recast. Their incompetence and lack of response and follow up is frustrating and unnecessary. It is difficult to speak with XXXX and each interaction leaves us frustrated and upset. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP
State: OH

Complaint narrative:
I have a mortgage with KeyBank. I had to re-finance my home and now my mortgage is underwater in the amount of {$64000.00}. I have been told I am not eligble for a HAMP motification because KeyBank does not participate in this program. At this point, If I go through a short sale or deed in leiu- I will still be liable for this money. I am XXXX years old and feel trapped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
RoundPoint Mortgage Servicing Corp was servicing my mortgage for my condo. In XX/XX/XXXX they decided that I needed to have an Escrow account set up by them and a they also set up forced hazard insurance, even though I already had hazard insurance through my association. Beginning XX/XX/XXXX they billed me for an addition $ XXXX/month on top of my mortgage. I chose to refinance and get rid of them because they were not working with me and after having shown them proof of Hazard insurance they still wanted to force their policy on me. At the time of the refinance they set up an overdraft on my account and paid themselves {$2900.00} for the force placed insurance. I have received " Notice of Forced Placed Insurance Cancellation '' from RoundPoint, stating that " there was no lapse in coverage '', and a statement saying that " the full reimbursement for the force placed policy will be credited to your account ''. The overdraft was debited back in XXXX, I have called Roundpoint and asked for my money back and they have no response for where the money they took went. On XXXX XXXX, I called their customer service department for a fourth time and spoke to a supervisor named XXXX ( ID : XXXX ) and he said he would call me the next day with a response. I called exactly a week later to ask why he did not call and to ask if they had found the money. This time he refused to talk to me and said it was being " researched ''. I have felt manipulated, lied to and stolen from by this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: NY

Complaint narrative:
I previously filed a complaint with CFPB Case No. XXXX, and XXXX. I received a letter from Key Bank Operations Manager XXXX XXXX, please see attached document. I placed multiple calls to her only to every time get her voice mail. She never returned my calls. Even though I feel I did n't owe the {$47.00} I paid it anyway, please see attached receipt. I paid the {$47.00} at Key Bank Branch on XXXX XXXX XXXX XXXX. XXXX XXXX, N.Y. The bank officer XXXX XXXX kept calling Key Bank home office and XXXX to report I paid the {$47.00} and to release me so I may open a checking account at another bank. XXXX XXXX became frustrated because he was n't getting anywhere and advised me to call Key Bank XXXX and ask for overdraft recovery or collections which I did. No one was able to any longer locate this account and told me to go back to the local branch. I said I was at the local branch and they told me to contact the Key Bank XXXX number. Nobody at Key bank knows how to release a customer from derogatory complaints they made against them to XXXX. Consequently I have not been able to open a checking account anywhere since last year when Key Bank closed the branch I did business with for over 20 YEARS.. I it apparent Key Bank increases their value by not closing accounts when the customer requests and not releasing customers from XXXX when the customer paid it off. Note in the letter they reported {$87.00} to XXXX when I only owed {$47.00} they claim. The operations manager admits it in her letter, never bothering to correct the amount with XXXX. We all know now how they were able to purchase First Niagara Bank. Please let me go on with my life and release me from XXXX, they got my money they did n't deserve and permanently close checking account number XXXX as it is obvious this bank does whatever it takes to gain assets. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST MIDWEST BANCORP, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I opened a checking account at XXXX bank via credit card. They required a lot in order to open the account, including a driver 's license, signature card, and credit card statement used to fund the account. I provided the license and statement to them via email the week of XX/XX/XXXX. On XXXX, XX/XX/XXXX, I mailed XXXX a signature card I printed from their online application. They told me this would be acceptable as long as it had my original signature and I sent it to them through the mail. ( I had previously sent them the signature card via email where they did not accept it. ) Funds were not available in my checking account at this time on XXXX, XX/XX/XXXX. However, I saw on XXXX, XX/XX/XXXX that they were available in my online banking portal. Clearly, they had gotten my signature card. I linked another financial institution to my XXXX checking account ( XXXX ) on XXXX, XX/XX/XXXX. The trial deposit was received ( and allowed ) at XXXX on XX/XX/2016. I confirmed the deposit at XXXX and submitted an ACH withdrawal request through XXXX to my checking account at XXXX Bank. This withdrawal from XXXX became available at XXXX on XX/XX/2016. 

On XXXX, XX/XX/XXXX I see the deposit as " Returned-Account Frozen '' in my XXXX account and that I have been charged a {$15.00} fee. My XXXX Account was not frozen, otherwise the trial deposit would not have been allowed. 

My funds were made available in my account on at least XX/XX/XXXX ( probably XX/XX/XXXX ), and the trial deposit went through fine on XXXX. Funds were available, and should not have been " returned '' after being withdrawn to XXXX. 

I want a refund of all fees I was charged by my other institution, XXXX. These fees were a result of XXXX error ( s ). I also want both my checking accounts closed at XXXX and to not be charged any fees to do so.

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 monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
We have a XXXX and XXXX mortgage with TCF bank. The XXXX mortgage has an interest rate of 6.40 % and the XXXX has an interest rate of 4.99 %. We have had both of these mortgages for a long time and our house is upside down in debt. All we are trying to do is get our interest rate lowered to a reasonable rate. I have, for the past 2 years, been dealing with several mortgage brokers at several locations who say there is nothing they can do, I ask them to pass the information on to their supervisor they take my name and # and I never get a phone call. We have been struggling to make the payments, but have been making them, it would be extremely helpful to get an interest rate that is reasonable.

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 2015-05-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I moved out from XXXX XXXX in XXXX 2014. I received notice in XXXX 2014 that I owed various items, which were illegal in the state of XXXX to collect - such as re-painting the walls. I contested the charges with apartment complex. XXXX months later I received notice From XXXX, they simply sold the debt to a collections agency and did not call or work with me on my request for more info or to resolve. XXXX became aggressive to collect despite requests to resolve. I hired an attorney who sent requests to XXXX and to XXXX to provide sufficient detail regarding what was being collected, and within the law, they had 30 days to respond. Neither party responded to the party within the allocated timeframe. As such, the debt is invalid due to lack of response from EITHER party. I have disputed this debt with XXXX and provided information and they removed it XXXX and XXXX need to remove this debt as well, but refuse to because XXXX continues to state this is a " valid '' debt despite proof that we have attempted to resolve this in the legal forums.

Company public response: Company 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 — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I applied for mortgage modification in XX/XX/XXXX. I was current and have excellent credit. I provided all necessary requested documents by the end of XXXX. I was told that it will close by end of XXXX or by XXXX. I received approval and new payment amount starting in XX/XX/XXXX. My old payment amount on my mortgage is withdrawn automatically but i am getting delinquency letter. I have contacted them and they have not sent anything in writing but verbally said that i am not delinquent. I am told now that it will show on my credit as delinquency for a period of time. I was not told this at any point in the refi process. I am current and have paid. Tried to contact them several times and made call appt. but no response. Lack of response and my delinquency status is worrisome. I was decline HELOC refi from XXXX. My real estate tax was to be paid by CCO since it is escrowed in the new loan, it is not paid yet. Now it is XXXX and my mortgage refi is not complete or close yet. They have dragged this process long for no apparent reason. I have provided all required information right away. Signed and sent documents on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP
State: TN

Complaint narrative:
In XX/XX/2016 suddenly I was assessed {$7400.00} in late charges by KeyBank XXXX XXXX XXXX. After several exchanges with KeyBank officials, I have not yet received a resolution. Attached are my statements which shows that prior to XX/XX/2016, there were no late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Russell W Richardson, Attorney at Law
State: TX

Complaint narrative:
DFC contacted my former sister-in-law several times claiming to be the Attorney General attempting to reach me. They told her that I had one hour to contact them or they would issue a judgement against me. When I contacted the Texas Attorney General, they had no knowledge of such activity. I contacted the number from which the calls were originally made and reached DFC Legal Services.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Company in question : ProCollect Inc, XXXX. XXXX XXXX XXXX, TX XXXX XXXX : ( XXXX ) XXXX I have been called continuously to provide credit/debit card information. I have been making payments through money orders and XXXX. This company had tried to collect a debt that I owe to an apartment complex. When first contacted about the debt by XXXX XXXX ext. XXXX, i was immediately asked to provide debit/credit card information to make payments on the amount owed. After I declined to provided said information, it was agreed upon that I would be able to make payments via money order or XXXX. On XXXX XXXX, 2015, I sent a money order in the amount of {$100.00} dollars which they received and cashed. 
Nearly a week later, I was contacted by a different representative and asked again for credit or debit card information to make a payment. I again declined to provided that information for my next payment. On XXXX XXXX, I mailed in another payment for {$100.00} which was cashed on XXXX XXXX a week later, I was contacted again by XXXX XXXX asking for credit/debit card information and my next payment. XXXX XXXX alleges that they did not received the payment that was cashed on XXXX XXXX. I sent in proof of payment and asked her why I have note been receiving monthly statements of my owed balance after making payments. She simply brushed me off. In frustration, I asked if there was another way that I could provide payment without putting a card on file. XXXX XXXX and I agreed that sending a XXXX would suffice since they are affiliated. On the same day of our conversation ( XXXX XXXX ), I sent a XXXX with XXXX XXXX on the phone and verified the reference number for my payment. XXXX XXXX verified that the payment would be processed. Again, I asked her again about receiving a monthly statement in the mail. XXXX XXXX stated that they are not " obligated '' to provide me with a statement. A week later, I received yet another phone call from yet another representative again asking for credit/debit card information to provide payment. This representative even asked me to pay the balance in full during this call. Again in refused to put a card on file and ended the call. Ever since, I have been receiving phone calls XXXX times weekly asking for a credit card. I have never dealt with any debtor who refuses and declines my request for a monthly statement and refuse to send any more payments until I know that this is a legit and legal company collecting my payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am Not the person they are calling for, there fore I do not respond to the call but they still call me Everyday

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: KEYCORP
State: GA

Complaint narrative:
I have to many bills, and they are stacking up on me, i was doing good, paying on time.I had to consolidated my bills, im willing to pay it off, if I can get student loan reduce to half of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: VA

Complaint narrative:
I pulled my credit report from XXXX and noticed an account I did n't recognize. I mailed a letter ( attached ) to Enhanced Recovery regarding this collection for " XXXX. '' It has been over 30 days since I mailed the letter and have had no response. And now XXXX is reporting this account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: MI

Complaint narrative:
i have had no knowledge of debt with enhanced recovery corp or XXXX. I am requesting that they either provide me with an original copy of cell phone contract or remove there collection account ( s ) from all of my credit reports.

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 2016-01-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ERC
State: FL

Complaint narrative:
I have come across an item on my credit report that does not belong to me. An account was opened fraudulently without any acknowledgement ; In other words this account was not opened with my authority or consent and I am unaware of this account ; the balance reported or am I responsible for any debts occurred on this account. Please provide me with the application for service agreement verifying my authorization of the account in question.

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 2015-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: NV

Complaint narrative:
Enhanced Recovery of XXXX, Florida XXXX XXXX XXXX, FL XXXX has been repeatedly calling my home claiming i owe a XXXX bill of XXXX from XX/XX/XXXX. I explained that i was a sprint customer since XX/XX/XXXX and my same account from them is still active. The person then stated the debt was from XX/XX/XXXX and I am like that 's 15 years ago and regardless if it was my account or not, the statue of limitations has expired. The person told me they were not a 3rd party debt collector and I told him then you work for XXXX? no comment. 
They never at anytime in the last 15 years put it on my credit nor has XXXX ever been on my report either. This a white collar scam!! 

I asked him to stop calling me and he said they will just keep calling so i hung up. They call at least twice a week and this must stop. They have never sent any mail nor registered / certified mail to my address which i did confirm with them. Please Help me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief