vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BOK FINANCIAL CORP
State: VA

Complaint narrative:
I have a group policy with XXXX which covers all the real estate we own. We pay the policy since it covers a number of properties. XXXX service only one of the properties. We forwarded a copy of the declaration with all of the properties listed approximately seven ( 7 ) months back showing the property they service is included and insured. XXXX took it upon themselves to send a check to XXXX of {$3300.00} for the total premium and then initiated another escrow analysis increasing our payment. The premium for the property serviced by XXXX is {$400.00} of the total premium. I returned the check to XXXX and requested that they void this new escrow analysis. They will not address this error but continue to request a payment increase stating I am behind in payments and threatening foreclosure. In addition to not addressing and correcting this error I was given instruction on how to request a waiver of escrow which they granted XX/XX/XXXX. XX/XX/XXXX statement there was {$1600.00} in the escrow account. XX/XX/XXXX escrow balanace was {$5700.00} and XX/XX/XXXX statement escrow {$5900.00}. After agreeing to waive the escrow, our payment was adjusted to {$910.00}. XX/XX/XXXX XXXX began applying our payment {$940.00} as partial payment. Which we never adjusted because we expected the difference to be applied to principal. Thats not happening. After waiving the escrow we was refunded {$960.00} from the escrow account XX/XX/XXXX. What happened to the {$3300.00} returned to XXXX and why am I in the rear on my payments when I am faithfully sending my payment monthly. What happened to the {$5700.00} that was in escrow? I understand {$3300.00} was reapplied to correct the {$3300.00} that was errorously mailed to XXXX - where is the difference? They will not talk about this error but continue that we are behind in payments and we continuously send {$940.00} monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc
State: OH

Complaint narrative:
Received continued notices to settle a debt from Northland Group , Inc. to settle a debt with XXXX XXXX Bank XXXX XXXX XXXX, XXXX. that does not belong to me. I have no record of ever opening an account with XXXX XXXX, nor do I owe them any money. I have asked them to stop attempting this alleged debt, and they continue to pursue communication tactics that is against the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-04 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: Credit Protection Association, L.P.
State: CA

Complaint narrative:
On XXXX/XXXX/15 I walked into XXXX and asked to be disconnected at the same time I paid XXXX ( {$70.00} ) the bill I owed and asked to be billed the balance. Until today, XXXX/XXXX/15 I have not had XXXX attempt to contact me from the XXXX. Today I received a COLLECTION NOTICE asking for payment on behalf of XXXX. I called XXXX to verify that they had all my personal information correct and still active, which they did. They could have emailed me, send me a bill by post, call me on the telephone or even text me on the phone! The " supervisor '' that I spoke with had no reasonable explanation for this outrageous conduct and ( I believe ) attempt to purposefully affect my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07 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: Credit Protection Association, L.P.
State: MD

Complaint narrative:
XXXX is stating that I owe them {$150.00} for cancellation of contract. I requested verification that I had a signed contract and they only forwarded the attached forms. When I originally called on XX/XX/XXXX16 they had nothing under my name or phone number. I am unaware of a contract being signed and their rate of XXXX cents per XXXX is reflective of the current rate from our local XXXX XXXX XXXX XXXX XXXX. They sent me to collections with a company named Credit Protection Association LP. See attached

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 2015-06-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
This should never been on my credit, this was paid in full and equipment was returned to the XXXX, CA XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
I have asked for a monthly statement over the year only to be told many different reasons why I ca n't have one! I believe any would want to know where their money goes it seems it should be my right? they used to send them what happen? another thing that raises my eyebrow is this tax year I repeatedly asked for a XXXX only to be told I did not pay interest and that they would not provide one ... one last thing I have registered to log into my account but there is no information no payment history no balance nothing ... .another interesting thing is last year I applied for a car loan and told the officer that I have a home for the last 15 years he said it was no where yo be found in my credit history ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
We have been attempting to qualify for a loan modification for over three years. We have submitted countless packages and documents to the lender/servicer XXXX XXXX. To this date we have not received an actual response either granting or denying a loan modification. Instead every time we contact the lender they advise us that our documents are under review and we are instructed to submit more documents each time. To make matters worse, our mortgage/servicer just changed on XXXX XXXX, XXXX. The new servicer BSI, states that the last set of documents the previous servicer XXXX XXXX provided them are from XXXX. This is completely erroneous as we had provided XXXX XXXX with documents countless times since then, most recently on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Even after XXXX took over our mortgage on XXXX XXXX, XXXX, it took them over a month for our file to appear in their system. I continued to call them for weeks to no avail as our file had not been uploaded. This was time that was wasted by the servicer as during this period my loan modification could have been worked on. After finally speaking to a representative from XXXX who stated they had no financial records from me since XXXX, he advised me that I probably do not qualify for a loan modification because my actual loan is too delinquent. This statement was made without any knowledge of my current financial situation or the fact that I have submitted a substantial amount of financial documents to the previous servicer, XXXX XXXX. The way this has been handled by the banks/servicer is completely unacceptable. I currently have the funds and salary to qualify for a loan modification and save my home. This is my homestead and where I have raised my children. Given the chance of being provided a loan modification, I will be able to pay the monthly payments and save my home. I now have a sale date of XXXX XXXX, XXXX and am I still attempting to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP.
State: MI

Complaint narrative:
I called my mortage lender to ask for assistance. The first time I called and asked could i have the payment changed to the end of the month i was told 'No '' and the lady began to tell me the reason they choose the XXXX of every month to the point she was talking to me like a child. I have lost some income and reached out to XXXX which advised me to call them and ask if they have any assistance options for me. I called and spoke to XXXX which handles my account when i asked for the retention department. XXXX went off and said they gave me assistance when they gave me the {$74000.00} loan and I had one late payment in XX/XX/XXXX. he then said you have lost of income, i said Yes SSI, he then said you did n't know it was going to end. I said it was income when I applied, so are you telling me you ca n't help me? he then transferred me to his manager XXXX he was then rude and went down the line saying when I made payments and XXXX told him why I was calling and I got my answer. My point is I love my home and all I asked was that they move the payments to the end of the month and was very disrespected and talked to like a DOG. I then hung up on XXXX. I will never in my LIfe do business with 21st Mortaga that will not allow individuals assistance when they are reaching out for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
I had a judgment against me on a {$5000.00} balance from an old XXXX credit card from my early XXXX and I 've been paying on it for almost 7 years now, around XXXX every year has been taken from my check and I have more than paid this debt back and I feel I 'm getting taken advantage of by their debt collection service, Kohn Law Firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Acceptance Solutions Group, INC
State: OH

Complaint narrative:
Despite being set up to make payments through direct payroll, the lender continues to withdraw from my checking account. On XXXX/XXXX/15 after daily NUMEROUS threatening calls, and voicemails I was connected to XXXX the manager who was able to resolve the double payment issue and credit my checking account within 1 hour. On XXXX/XXXX/15 the lender was paid through payroll and again withdrew from my account. Throughout the month of XXXX I was told the payment was not received through payroll but for a specific dollar amount this could all stop/go away. On XXXX/XXXX/15 the amount was {$180.00} to make it all go away. I said this was not a viable solution and that I had been assured by XXXX she would personally oversee my account. Also on XX/XX/XXXX I was told by XXXX that XXXX was not in the office but if I did not want to settle for {$180.00} ( this is in addition to the XXXX x XXXX paid on XX/XX/XXXX from payroll and withdrawal from checking ) he would have her assistant reverse the bank withdrawal. As of today I am still missing funds. Throughout this ordeal I have been lied to - XXXX claiming to be XXXX a supervisor on a subsequent call. XXXX to whom I spoke with on Sat. XX/XX/XXXX - she said she could not help. then on XXXX XXXX I was told I would be transferred to XXXX 's assistant and that she could reverse the withdrawal from my account. I was transferred to XXXX - she immediately dropped my call. I am not sure what the scam is but I have been harassed, lied to and insulted.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
MY HUSBAND XXXX XXXX XXXXPURCHASED A MOBILE HOME IN XXXX XXXX XXXX { NOW OWNED BY YES COMMUNITIES ] IN XXXX/XXXX/2010 THE CONTRACT WAS THAT WE STAYED IN THE COMMUNITY FOR 4 YRS. WE ASKED ABOUT MOVING A LITTLE BEFORE THE FOUR YEARS WERE UP AND WE ASKED WHAT WOLD BE THE CHARGE TO MOVE OUT EARLY. I RECIEVED AN E- MAIL OF THAT PART OF THE CONTRACT FROM AN XXXX EMPLOYEE NAMED XXXX . WHEN I GOT THE COPIES I NOTICED THAT MY HUSBAND SIGNATURE WAS FORGED BY XXXX XXXX I HAVE THE COPY. SHE SIGNED MY HUSBANDS NAME ON THIS DOCUMENT, AND WE NEVER HAD THE COPIES IN OUR ORIGANAL PAPERS. WHEN WE CINTACTED XXXX XXXX THEY WOULD NOT RESPOND. WE WENT TO A LAWYER AND FOUND SOMEONE TO TAKE IT ON A CONTINGENCY. 
IT HAS NOW BEEN OVER 2 YRS AND THEY STILL HAVE NOT COMPLETED. MY HUSBAND AND I WANT TO MOVE FROM THIS COMMUNITY, BUT I HAVE BEEN TOLD WE CAN NOT MOVE THIS TRAILER NOW UNLESS WE PAY IT OF????? THIS WAS TOLD TO ME BY 21ST MORTGAGE OUT OF KNOXVILE TN.. WE WANT JUSTICE FOR THIS AND NEED AS SOON AS WE CAN TO RESOLVE THIS ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: TFS FINANCIAL CORPORATION
State: KY

Complaint narrative:
My wife, a resident of the state of Kentucky applied for a mortgage from Third Federal Savings and Loan. Since the house is her premarital asset, with the existing mortgage and title only in her name she applied for the loan with her resources and credit only. 
When the day came to close, I was informed that I had to accompany her to release dower ( since Kentucky is a dower state ). However, there was no reference to dower and my name in the definitions and signature blocks indicated I was the borrower joint and several with her. 
Since I was not assuming her debt and only releasing her dower right, I informed the lender that the forms were wrong or they fraudulently misrepresented the loan to my wife, who as now delayed over 60 days to seek another lender. We were also informed by the 'ender 's agent XXXX XXXX that they would not change any documents or terms. 
This was both fraud in the inducement and a violation of the notice regarding the fair lending act,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
I have previously submitted a complaint with you guys. XXXX. We have now been forced to short sell our home. Its on the market and has n't even been released from our bankruptcy as of yet. We are seeking legal help and trying to seek help from every agency we can. My husband and I are begging you guys to please look in to all the complaints this company has against them for the same reasons. Please review our former complaint filed with you guys. We need help ASAP. 

XXXX and 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 2016-12-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: CA

Complaint narrative:
I first got a letter from credit protection association to pay my bill I was worried and payed it off right away and now they have been harassing me through mail and phone, one male on customer service was very rude was yelling at me and saying my payment did n't go through and if I did n't pay my credit will get hurt. The latest letter i had is XXXX/XXXX/2016

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 2016-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I would like Third Federal Saving and Loan to respond this question ONLY I am a woman ( NOT AN ENTITY ) who participated in a CREDIT TRANSACTION soley for PERSONAL, FAMILY AND HOUSEHOLD PURPOSES, please explain in detail, how the [ Promissory Note/Note/Financial Asset/Security Instrument ] ended up in a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P.
State: NE

Complaint narrative:
XXXX XXXX in XXXX erroneously billed me for {$100.00} after I dropped their internet service. XXXX XXXX admitted to the error, and cleared the amount from my XXXX account. However, XXXX still sent my account to a collection agency, Credit Protection Association, which continues to fraudulently harass me asking me to pay this amount, which I never owed.

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 2016-12-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Automatic Data Processing, Inc.
State: MO

Complaint narrative:
New ADP paycard. I called ADP customer service to get XXXX & Account number to set up automatic electronic payment for XXXX credit cards. They gave me instructions to print out voided copy of " check '' that would have XXXX & Acct number on bottom. They instructed me to use those numbers. I then used that information on XXXX of my credit cards to set up automatic electronic monthly payments. Then I received notice from my credit card companies that the payments were " refused by the bank '' and that my payments were now late. I called XXXX Customer Service and was told that reoccurring payments had to be set up using the card number on the front like a credit card. I advised ADP that I verified with the credit card companies that they would not process a payment in that manner. I also asked ADP to process the XXXX payments that I had already initiated, with the money on my paycard, MY MONEY, and was told that there was no way they could do that. XXXX said that the only thing they could do was reprimand the customer service rep for giving me bad information but that was it. They also said they would not reimburse me for any late fees assessed by the credit card companies. Additionally, I was told that the XXXX & Account numbers were certainly valid if I wanted to deposit additional funds in my account. But those same XXXX & Acct numbers are automatically declined for any kind of payment out of my account. I 've had paycards before and used them for automatic payments. It was NEVER a problem. This XXXX pay card is a joke!!! I ca n't pay my bills online with it and I 'm limited to ATM caps if I try to take cash out. Again, I stress that I can always use those XXXX & Acct numbers to put MORE money on my card. SO HOW IS THIS RIGHT????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I remember paying off best buy credit card last year then all of a sudden I owed them like a XXXX dollars. I gave them the benefit of the doubt and paid it again. Now the same thing is happening where I supposedly owe them funds and its non sense. I paid them off. The credit rep tells me it bounced several months ago and the best buy rep that details purchases and credit card statements does not see where or why I owe money. 

XXXX reps are baffled as to why the payments are leaving as a check ... I never wrote them a check. 

Something criminal is happening here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I made a payment to CITI XXXX Credit Card on XXXX XXXX, 2016 using a CITI prepaid Debit Card issued to us from a furnace/air conditioning install. The payment was made over the phone with a representative from CITI Simplicity and I was given a conformation number to complete the call. I never say the payment post to my account so I called CITI back and they said there was no record of a payment being made on the XXXX of XXXX. I then spoke to several departments only to get the same answer that this never took place. I then filed a dispute with CITI XXXX XXXX and also called the CITI rebate card company and they immediately confirmed that the payment had been made and received on XXXX XXXX by CITI Credit Card on that date. We then had them email us proof of this transaction and sent it to CITI XXXX to go forward with the dispute. I received an email showing a few days later that my card balance was at XXXX {$.00} as this payment was for the remaining balance on the card and thought that the dispute had been resolved. Then yesterday on XXXX XXXX I received the email stating the dispute had been denied and the {$370.00} was put back onto my balance owed on the CITI XXXX XXXX. We Then called yesterday the XXXX of XXXX to have them re-open the dispute and I re-faxed the same proof along with a letter of explanation about the dispute to the Dispute Fax number for CITI XXXX and also mailed a copy to the Presidential office in South Dakota. Then after speaking with our furnace installer because CITI XXXX was not helping even after numerous attempts to resolve the matter I am contacting you to help in this case. I am not sure what else to do as this payment was made, it was received and our Rebate Card with CITI is at a {$0.00} balance so the money was received. Please help us.

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 non-monetary relief