vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-02 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
About 3 weeks ago I received an email saying my loan was pending with castlepayday. I ignored. Within the hour another email arrived saying the loan had been approved. I called the number in the email and told them I never applied for a loan, the agent said it was just an offer. I proceeded to delete the emails. On XX/XX/XXXX I noticed that castlepayday had deposited {$900.00} into my checking acct. I called my bank, XXXX, and asked what to do. I also filed a complaint with the FTC and contacted an advocacy group. At this time I had no idea how to contact CPD however in the meantime XXXX was watching my account and did a stop payment so castlepayday could not takeany money out of my account as a precaution. XXXX also made arrangements to return the money to CPD as soon as it finished processing. 2 days later the loan processed. I now had a contact number for CPD and called them and told them I never applied for a loan and they would receive the funds of {$900.00} back within 5 business days. I spoke with a XXXX, supervisor, who assured me they would not take any money from my account and would close this and erase me from their system. On XX/XX/XXXX castlepayday.com withdrew {$310.00} from my checking account. The name now included .com and the system only knew to do a stop payment on Castlepayday not castlepayday.com. XXXX has been contacted again and explained to me how CPD got around my account. I called CPD and requested the money to be returned since they were never authorized to take money from my account. CPD kept insisting that they needed to verify the funds were removed by talking to my bank or checking with my online banking or having me send them a bank statement. I refused all XXXX since they already have this in their system. I told them I was not going to give them any additional information since they had what they needed to get into my account. For some reason they kept insisting they needed the info so I asked for a manager since the agent was n't getting that they have the information including my {$310.00}. A manager named XXXX finally got on the phone and she requested the same info I told her know that they already have it so she is suppose to contact their research team to look into this and get back with me on XX/XX/2015 in the meantime my bank is blocking them from having access to my account under CastlePayday.com. I have no idea how they got my banking information or what gives them the right to take money from my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
My loan was sold to them this past month, and I 've been trying to get a hold of them to inquire steps and billing in order to make my first payment. It seems that they have been ignoring my calls, emails, etc. I want to think this company is honest but i 'm finding it hard to think they are. My accounts have been locked, and when I call I 've been on hold for over an hour.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: PA

Complaint narrative:
I applied for a checking account from Key Bank that promised a {$300.00} bonus for making a direct deposit of at least {$500.00} within XXXX days. The bank confirmed that I met that requirement, but denied me the bonus because I had an account with XXXX within the last XXXX months. But the fine print of the offer ( which I will attach a screen shot ) only said I could n't have had an account with Key Bank in the last XXXX months. Nothing about XXXX. I had no way of knowing they were affiliated. The fine print they sent me in their denial email ( which I will attach ) is not the fine print that was on the offer page, nor in the confirmation of account opening. This was a bait and switch, and now I am stuck with the account for at least XXXX months to avoid early closure fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP
State: NY

Complaint narrative:
I made purchases after my direct deposit was made available but keybank put these transactions through prior to making my deposit available causing me to incur 4 overdraft charges and will not refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP
State: DE

Complaint narrative:
KeyBank purchased my former mortgage holder, First Niagara Bank. On XX/XX/XXXX, I received a mortgage analysis from KeyBank advising that they needed to collect a sum for taxes and insurance that was four times the amount needed to satisfy the actual amounts. Clearly an error. I called on XX/XX/XXXX and was told I 'd receive a call back that never happened. On XX/XX/XXXX, my new mortgage statement arrived and still contained the erroneous data. I called the number on the statement and spoke to a very nice lady in XXXX, XXXX who was taking calls for KeyBank. She said she 'd have someone call me. Never got a call. On Thursday XX/XX/XXXX, I called KeyBank mortgage services and spoke to a person who said a supervisor would return my call by end of day. Never got a call. Bottom line ... my taxes and insurance total cost is about {$1100.00} for a year. The KeyBank statement shows that they want to collect {$3600.00} for the year. I ca n't get anyone at KeyBank to return a call, so I have no recourse but to try and get action in some other way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK
State: CO

Complaint narrative:
My monthly statement does not include my payment amount from the previous month. There is no easy way to track the amount paid to principal and to interest. Therefore, I do not know if my payment is being properly applied each month.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Prosper Marketplace, Inc.
State: IN

Complaint narrative:
Unauthorized credit Inquiry on XX/XX/2017 Creditor Contact Details PROSPER MARKETPLACE 0 XXXX XXXX XXXX SU XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau Collection Services, Inc.
State: TN

Complaint narrative:
I have received several request for payment from a company called CBCS out of XXXX OH. They are reqesting a large amount of money on an XXXX XXXX that is ober six years old that I now longer have any dealings with and I know that this amount is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02 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: TX

Complaint narrative:
I have disputed this item with the credit reporting agency as I do know recall this account ; they reported you confirmed the account as valid. However, I have not been provided any information validating this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-17 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: OK

Complaint narrative:
I was approved for a {$950.00} loan with this company " Big Picture '' and was never told that they were charging 800 % interest. They have been debiting my bank account in the amount of XXXX of the loan value every 2 weeks, since taking out the loan. When I spoke with a representative of the company today, to pay the remaining principle of the account off, I was told that I had not paid any principle on the loan thusfar, only interest. " I have paid over {$1900.00} to date on this loan and have not paid any interest '', I said and the representative proceeded to tell me that I may not pay off the loan, without paying an additional {$350.00} servicing fee. So let me get the straight, I have paid almost XXXX dollars on a {$950.00} loan and am left with the full {$950.00} balance plus an additional {$350.00} fee to pay the loan off? That is the definition of a predatory loan. I would like help resolving this issue, as I would never have taken out this loan had I known these issues would exist. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ERC
State: TX

Complaint narrative:
I checked my credit report and do not know what this debt is on my credit. I did not authorize and have never had service with this company its fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-30 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
On or around XXXX/XXXX/15, I receive a loan from Castle Payday ( XXXX ) in the amount of {$500.00}. I was informed that if I paid this loan off by XXXX, my total amount to pay off would be {$670.00}, to which I agreed. On XXXX, I called to ensure that the loan plus interest would be paid off in full ( {$500.00} + XXXX ). When I called, the rep informed me that the systems were down and he would call me back to complete the transaction. I did n't receive a callback so I assumed that everything was taken care of. 

On XXXX, I noticed that only {$170.00} was taken out of my account so I called to find out what happened. They informed me that the rep tried calling me back, but he could not get a hold of me. I do not have any missed calls of any sort of Castle Payday trying to call me back. At any rate, she stated that {$500.00} would immediately be taken from my account so that no further interest would be charged and my account would be paid in full. 

To my surprise, when I check my account the very next day I see {$670.00} was taken out. I call Castle Payday and they informed me that a manager would be calling me back to confirm that I would be credited back {$170.00}. 

Which brings us to today ... I called my bank to dispute this and after being on the phone with my bank and Castle Payday, the bank agreed to charge back {$170.00} to Castle Payday, which of course is pending, and totally agreed that charging {$350.00} on a {$500.00} loan that was paid off in less than a month is BEYOND predatory!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I sought a loan modification with Citimortgage on a Home equity loan. My loan payment was increasing from {$2000.00} a moth to {$6000.00} per month. I called Citimortgage XXXX times and was told each time that I needed to be delinquent ( miss a payment ) before they could start the process. I missed a payment and called them the very next day to start the process. The process went on for XXXX days. I faxed XXXX packets of information and overnighted XXXX package. In the end, my request was denied because I had " too high a loan balance ''. My loan balance was known at the beginning of the process. My credit score went from approx. XXXX down to approx. XXXX. When I was denied, I am immediately made the payments and remain current on the loan. The original late fees they assessed were {$1100.00}. Citi wrote off {$300.00} of those fees. I asked them to waive the remaining balance of {$810.00} which they declined to do. When I was denied a modification and told that my loan balance was too high, I was also asked how my modification was going on my first. I told him I was not seeking a modification of my XXXX. He then went on to say that I should pursue that because there were more potential options and that the XXXX could be taken into consideration. That was nice to know but telling me after XXXX days and denying my request was way too late to make that suggestion. I am requesting/demanding that CitiMortgage write off the {$810.00} remaining balance of late charges. Their process was very misleading.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-26 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: TX

Complaint narrative:
There has been a collection account placed on my credit reports that I have no knowledge of. The account is listed as Enhanced Recovery Corp, Acct # XXXX. In or about XXXX 2014, I sent a letter to this company via the address provided on my credit reports. The letter was sent in request of validation of this debt according to my state laws - Texas Financial Code 392. As of today, it has been 60 days and the company has not provided any information that proves that this debt belongs to me. I have requested verification via the credit reporting agencies but have not been provided any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ERC
State: CA

Complaint narrative:
The debt collection agency continues to send letters to my address, even though the person who owes the debt is not affiliated with me and does not live here.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Big Picture Loans, LLC
State: AK

Complaint narrative:
XXXX XXXX contacted and would not identify who they were after I demanded it at least 3 times. They stated they were a law firm representing their company. They threatened my with taking me to court, which would result in costs over {$5000.00}. I also received a call from a so called process server asking I would be home between certain hours on a specific day, she never called or showed up as se said she would. I contacted the so called complaintent as well as my bank. Not only were there not any deposits made on the day they stated their client made, but there were also not any further attempts to get their money according to my bank. I also called the complaintant, Castle Payday, who changed there name to Big Picture Loans. They informed Funds, which is definitely not XXXX XXXX! I feel scammed and bullied and into trying to set up a payment plan with someone I did n't need to! SOOO ANGRY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
In XXXX XXXX we were contacted by GMAC and asked if we were willing to refinance our home mortgage. The mortgage offered by GMAC was a no-appraisal required, no-income verification loan. After research and finding that this was n't a scam and being in a declining financial situation we decided to do the refinance. This process began in XXXX XXXX and was dragged out until XXXX XXXX. We did not realize and were not offered a principal modification mortgage by GMAC. After having a business failure in XXXX XXXX we found ourselves in a situation where we were seeking help with our mortgage and realized that by taking 24 months to refinance our mortgage, and the shut-off date of XXXX XXXX, XXXX for a principal modification mortgage under XXXX had been denied principal modification loan assistance because of the 24 month time frame it took to refinance our mortgage. The only difference between our current mortgage and our previous mortgage is the date and the loan number have been changed. It appears that by dragging out for 24 months our loan refinance that it now allows XXXX, GMAC and XXXX to deny a loan modification. Having the ability to look back at this transaction it appears that numerous violations of predatory lending have denied our right to seek assistance under the XXXX program. We have again been denied assistance by Ocwen, who is acting as a debt collector for GMAC, and have not been able to discuss this situation with GMAC management. We deeply appreciate anything you can do to assist us and at this point it will make a difference of us losing our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Affiliated Acceptance Corporation
State: CA

Complaint narrative:
I do n't want them to contact me any more as I do n't have an account, a sign contract or any kind of debt with this company. 
I told them to stop contacting me and they just keep sending me collection letters and ignoring me 100 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SIMM Associates, Inc.
State: NC

Complaint narrative:
School is XXXX in XXXX, NC. Simm Associates, a collection agency, left several voice messages and then sent a letter informing me they were collecting for a delinquent student loan, for which I am the cosigner, with XXXX. This loan is being serviced by XXXX. After contacting XXXX, I was told the loan was NOT delinquent and since the student not graduated yet, it is impossible for this loan to be declared deliquent. The agent at XXXX was very helpful. When I contacted Simm Associates, the collection agency, at the number listed on the letter they sent, I was asked for identifying information such as my date of birth. I declined to provide any personal information and offered the account number from the letter. The agent refused to continue the call unless I provided this personal information, and which point I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: PA

Complaint narrative:
SELENE FINANCE is reporting the credit agencies that I have a delinquent mortgage with them. However, SELENE FINANCE acquired the mortgage from XXXX XXXX after the house was sold at foreclosure and the lien released.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: IL

Complaint narrative:
The issue that I am having with Selene Fiance is unprofessional service and avoidance of reviewing my updated documents that were requested of me to send for a modification that would enable me to keep my home. I am working with a HUD approved agency and I have signed a completed package and dated with all information requested three times. The first XXXX was rejected and I filed an appeal with additional income included which was rejected for insufficient income and I complained to my counselor and Selene. My counselor spoke with Selene Finance and they acknowledged that it was an oversight on their part for not including the additional income. The application was resubmitted. Once this was done they did not reply for over 60 days and when called for status checks I was under review then I was told that the old letter that was sent to me for the previous submission was my outcome. The fact is ; they did not consider the XXXX application that I sent them. This has caused me to become further and further behind on my mortgage payments and my unpaid balance is rising so that it could become impossible for me to keep my home of 14+ years. I received the XXXX request XX/XX/XXXX to send several items again that were already sent. This is a repeat of the mortgage disaster that began XX/XX/XXXX where mortgage companies disrespected the home owner. I am appealing to the CFPB because this has got to stop, these institutions need to be held accountable and pay for their mistakes and not charge the consumer all the cost. I should have a FHA modification and if they have caused me to have more months then I qualify for they should be removed and any additional charges that I may receive. I am retired and on XXXX and my uncle lives with me permanently. I am writing to let others know that they are not alone with the mistreatment that we homeowners are experiencing from these servicers.

Company response to consumer: Closed with explanation