vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: MA

Complaint narrative:
I had applied for a loan modification, I was approved, but I by mistake did not pay the exact amount for the first two months of the loan I paid {$60.00} less per payment in error as I was paying off the stubs. They then took the loan back and declined me for the loan, I have tried to reapply and they have continued to deny me for a new loan. Now the bank is saying they are going to foreclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: KEYCORP
State: PA

Complaint narrative:
I am attempting to sell my home and the closing date is set for XXXX XXXX, XXXX. Key Bank holds the second mortgage on the property I am attempting to sell. This is my second complaint that about Key Bank ( my initial complaint XXXX, dated XXXX/XXXX/XXXX ). Please refer to that complaint to provide a full context. I went under agreement to buy a new home, and to sell my current residence, in XXXX XXXX. Key Bank, for four months, was refusing to provide documentation that was being requested by my lender, and was the sole reason I was unable to obtain a mortgage commitment by the date set forth in the agreement of sale. They only provided the documentation as a result of my complaint with the CFPB. I was able to obtain a mortgage commitment for a new home, but, as a result of the refusal of Key Bank to cooperate, I am having trouble getting to closing on the property I am attempting to sell. After I lost my original buyer on XXXX XXXX, XXXX, I called Key Bank to arrive at a settlement amount. I am eligible to do so because I filed a Ch XXXX bankruptcy in XXXX, and Key Bank is my second mortgage. I needed to settle with Key Bank because I have new buyers that are paying significantly less for my property. Please note that the original buyers ( i.e. that walked away on XXXX ) were paying enough for the home to enable me to pay back Key Bank in full. I only needed a settlement amount because of Key Bank 's past refusal to cooperate, and I only need an extension because of Key Bank 's past refusal to cooperate ( the subject of my initial complaint ). I currently have a settlement agreement with Key Bank that is valid until XXXX/XXXX/XXXX. The buyers of my home can not close until XXXX XXXX, XXXX -- after the settlement date runs out. I have been informed by Key Bank that I can pay after XXXX/XXXX/XXXX, but that is not acceptable to the closing services company who is attempting to ensure there are no outstanding liens on my home after the closing. They need it in writing, which Key Bank, at the time of this writing, is refusing to do ( even though they have given my a verbal acceptance, and have it attached as a " note '' to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I received the house at issue in my divorce and have been paying for it exclusively since XX/XX/XXXX. In XX/XX/XXXX, my ex husband declared bankruptcy. Roundpoint Mortgage Servicing has refused to communicate with me about the loan - the amount due, the pay off amount and timeliness of payments. My ex-husband 's bankruptcy was discharged XX/XX/XXXX and it has been closed since XX/XX/XXXX, and still Roundpoint has refused to provide to me any information regarding the loan, despite numerous telephone calls and letters

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 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: EOS Holdings, Inc.
State: WA

Complaint narrative:
From XXXX XXXX to XX/XX/XXXX I had a contract with XXXX XXXX XXXX company in XXXX TX. I discontinued my service due to work relocation, paid my bill and sent the equipment back to the company. 

On XX/XX/XXXX I applied to refinance my home loan in WA and saw the negative mark on my credit for a charge from XXXX XXXX XXXX. This mark lowered my credit score roughly XXXX points from an XXXX to a XXXX. 

I contacted the collection company seeking payment ( EOS ) and they gave me XXXX contact information. Upon contacting XXXX XXXX XXXX they told me that they never received a cable modem back from me in XX/XX/XXXX. I told them I sent it back and asked for the tracking confirmation for the box they sent me to return the equipment. The representative told me they could n't see and notes or information on my account because it was so old. They had very limited information. I also never received any mail or telephone calls related to this charge for the equipment from now back to XX/XX/XXXX. I asked for verification for any type of attempted contact and they also said they had no records for that. 

I have always changed/ forwarded my address at the United States Post Office upon relocating for work promptly because I value paying my debts and having a perfect credit score. I contacted the US Post Office to try and show verification of that, but they only keep copies of those records for one year. 

I am very responsible at paying all my bills and debts before due dates. I would have perfect credit if it were n't for this XXXX charge from XXXX XXXX XXXX related to a modem that I did return. If the modem never returned back to the company it was either lost in the postal service or there was an administration mistake, but due to XXXX records or lack there of, there is n't any information to prove a case. 

I never received any type of collection notification or opportunity to settle this issue prior to it appearing on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Arbor Residential Mortgage LLC
State: AP

Complaint narrative:
In XXXX, I purchased a home in XXXX, XXXX while on XXXX XXXX in the XXXX XXXX XXXX. I received mandatory permanent change of station orders to XXXX in XXXX, upon which time I rented the home, but once the renters moved out and the market tanked, and due to a loss of income after my wife lost her employment during the move, I began processing a short sale of the home in XXXX. Since XXXX, I have had XXXX buyers for a short sale and on each occasion, the XXXX mortgagers did not come to agreement and thereby causing the short sale purchasers to abandon the purchase. Seven XXXX XXXX XXXX years later - as of this complaint, I still have not had success selling this home and the home remains vacant since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase indicated to me that they have decided to 'restrict ' my account and told me that I can not access the funds I currently have in the account, which is XXXX. I went into my local branch on XXXX XXXX and had a teller call an account specialist who indicated that my account was restricted ( meaning no money can go in or come out of the account ) and that Chase would be closing my account and sending me a check for my balance. The teller was told this would take XXXX10 days. I went back to the branch today XXXX after XXXX business days as I NEED my money to pay bills which are now late and charging me additional fees. I had another teller/manager call their 'back office ' and then told me that they can not give me my funds until the 'back office ' says it 's OK. I asked how long will that take, as I was told a max of 10 days and she told me they would n't / could n't tell her. I can still see the balance sitting in my account and this is putting me in a DIRE situation. I even have chase credit cards I ca n't pay because their bank wo n't give me MY money. If I were to do this and take XXXX of their money and tell them I 'll give it back to them ... ..'sometime ' ... I 'd be arrested. I do n't see how this is legal or allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
Tcf bank gave my daughter 's attorney my social security number without My permission. my daughter had a personal injury case where she won a settlement she 's a minor, so there was an order for the funds to go into a custodial account, so I asked her attorney if you could put it into an account at TCF where she already had an account he stated yes even when they 're open up an account another account without my authorization and no personal information then I got a call from the bank saying I need to come and sign information which I did not find I stated I needed to speak to the attorney first so I know what I 'm going to be signing, the attorney Stat he will mail me documents after two weeks of never receiving them I contacted the attorney again yesterday on XXXX 2016 I was told the attorney was out on a XXXX and just been here with taking over and he was able to email me the documents that were supposed to be sent to me I 've been noticing and I ca n't open there 's no signature I did not authorize it and my social security number is on it, I then contacted the attorneys office asking how they got my social security number XXXX XXXX stated he does n't know but he will ask XXXX the attorney who handled my case, I then contact the TCF Bank and spoke to the branch manager XXXX asking how my social security number was given to that attorney the first day that the attorney came in with my social security number and my daughter 's social security number then he stated it 's a court order for funds to be in a custodial account and that gives him authorization to send my social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: MD

Complaint narrative:
I mistakenly paid a {$68.00} invoice to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) instead of the XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. Despite the fact that the services were not provided by the XXXX XXXX, they negotiated the check anyway. 

In XXXX XXXX I received my first of many notices from the collection agent ProCo to which I explained the situation in writing. I heard nothing more until XXXX when I received another notice from ProCo. This time I contacted the XXXX XXXX and XXXX XXXX requesting that the Group simply transfer the {$68.00} to the Center. I was told that such a transfer was not possible, and so I suggested that the Group return the {$68.00} to me so I could then write a new check to the Center. Subsequent to my suggestion, the XXXX called me and said the transfer was possible and the issue was resolved, which I believed since I did not receive my {$68.00} from the XXXX. 

In XXXX XXXX I was contacted again by ProCo and then today, I received a notice from XXXX XXXX XXXX, XXXX. I 've responded to both. However, it seems to me that the XXXX is the company at fault here because 1 ) they accepted payment for services they did not perform, 2 ) they did not transfer the payment to the center ( if you believe the collection agent and law firm ) and 3 ) they did not refund my payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
i did not receive a right to dispute letter from them within 5 days of beginning collection NOR have I received evidence from them that this debt is in fact mine. I have asked them repeatedly for over a year! This is obviously how they treat consumers and their rights. I have been asking this collection agency since XXXX/XXXX/2014 to validate the debt they report on my credit report and they refuse to answer while they continue to verify and report on my credit report. I have tried to look them up on the licensing board but I can not even find out if they are licensed in this State. 
I 've asked them simple questions which they do n't answer any of them. They obviously do n't care about following consumer laws. 
They are damaging me financially. They are the only collection on my credit reports and they are stopping me from getting credit that I need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: CO

Complaint narrative:
Senenca mortgage took over servicing of my loan from previous mortgage company on XXXX/XXXX/15. My first payment, XXXX XXXX, went to the previous mortgage company as required. When Seneca took over my loan they began calling me weekly, sometimes daily, stating that I owed them my XX/XX/XXXX payment. I informed them that I had made that payment to the previous loan company as required. I also sent them proof from the previous mortgage company and bank statement showing it cleared. I still continue to receive calls until XX/XX/XXXX claiming they have not received this payment and stating I am one month behind on my payments. I was assessed a late fee, which I had to call and dispute. They have stated that they notated the account that I should not be assessed a late fee and are still attempting to get my previous payment forwarded from the previous loan company. I sent my XX/XX/XXXX payment by online bill pay as I have done since they assumed my loan. My XX/XX/XXXX payment was rejected by them. I had to call and ask why this was rejected. The answer I was given was that they have placed a hold on my account in order to monitor for any incoming check from the previous loan servicer. I am now forced to make payments by alternative means until this is resolved. I find this unacceptable and this company cleary has no idea what it is doing. They are threatening and I do n't trust them. I informed them if they negatively impact my credit in any way I will file a lawsuit against them. Online reviews of this company are overwhelmingly negative and appear to operate with questionable tactics. I will be working to help organize a class action lawsuit against this company if the issue is not dealt with in the next few weeks. Customer service reps are often rude and argumentative. They are the worse company I have ever dealt with and totally incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX I came home to find two individuals who had broken a lock and entered my home without permission and were letting the water out of the hot water tank. He explained that he had a work order to do this work - of which I have a copy - but had no court order, understandably, because the house is not in foreclosure, only delinquent in mortgage payments. I told him I was calling the police, and he, to his credit, waited for the police officer to arrive. The contractor gave me his address and phone contact information when requested and on the work order was the contact information for the company that had contracted him to secure the premises, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. On the work order was a contact name for XXXX, XXXX XXXX at XXXX. I called this number and a man answered who said XXXX had stepped out - it was approximately XXXX - and he transferred me to another woman. I asked her why her company had contracted with a local contractor to enter the property without a court order, told her she had no legal authority to do so and told her that I had just called the police, and she hung up. At that point the police officer arrived, and I gave my statement ; he then went outside with the contractor to obtain his statement. He oversaw the re-installation of the new lock and door knob, since the original had been destroyed, and the clean up to a reasonable level of cleanliness and water removal of the mess the two had made around the water heater. The police officer explained that he did not believe the contractor believed what he was doing was illegal and trespassing is a crime of intent, so he would not be charging the contractor with a crime, but he told me I might want to contact the State Attorney General because it is very interested when corporations or financial institutions violate the law, but that the local police had no interest in pursuing the case further. When outside in the driveway before he left, I told the XXXX, XXXX XXXX, that in the future, at this home or any other in XXXX State, you need to demand a court order showing you have the authority to enter a house before you may break into it. I also told him the bank has all my contact information and all you need to do is contact me, and if I deem it appropriate, I 'll let you in voluntarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: MA

Complaint narrative:
This account had a zero balance up until I requested that it be closed there should not be a balance and no monies should be owed on this closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
We went to the TCF branch in XXXX MN. XX/XX/XXXX 2015. We wanted a fixed rate mortgage, so TCF set us up. We went through all of paper work and the time..and at the very last minute they told us we did n't qualify for the fixed rate but they could set us up with a variable rate mortgage. So because TCF 's appraisers lack of timeliness and TCF 's lack of follow through with the appraiser had already posponed our closing date from XXXX XXXX, 2015 to XXXX XXXX, 2015. We took the variable rate so we could close on the property. We handed off the variable rate mortgage to XXXX. XXXX and with the same information that TCF had, and was able to secure the fixed rate mortgage that we wanted. With XXXX institutions using XXXX XXXX. We submitted XXXX letters of complaint to TCF and as of this date there has been no response to either. We did request that because of the sub standard customer service we received from TCF we did n't expect to pay any costs to them including appraisal fees. They acknowledged the request but when we requested an transfer of appraisal to XXXX. XXXX the cost to us was {$250.00}. It was the worst customer service the we have ever experienced anywhere. We really felt like TCF did a bait and switch with us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: KEYCORP
State: WI

Complaint narrative:
Using an automated form field from a website where I frequently make purchases, I inadvertently charged XXXX purchase to my Key Bank MasterCard. I did not receive any bills or payment due notices from Key Bank regarding the outstanding balance on this card. ( This did n't seem odd, as I do n't normally maintain a balance on this card, so I was n't expecting a bill. ) Key Bank began reporting my account as delinquent, but never successfully contacted me in order to resolve the issue. 

Key records claim that they sent me an email balance statement monthly, but I am not receiving these from them. Even to this day, they have made no effort to resolve the ineffectiveness of their email delivery system. 

Key records claim that the sent me XXXX ( XXXX ) document in the mail to notify me of the issue after my credit was revoked. I did not receive this document. 

The original charge that started this issue was approximately $ XXXX-XXXX. Key Bank has forced me to pay significant late fees in order to stop reporting my account as delinquent. 

I have sent two messages to the Key Bank Credit Inquiry Department explaining the circumstances and requesting that they take some responsibility for the ineffectiveness of their billing system. I have also spent over 4 hours on the telephone with customer service representatives. All of these efforts have been ineffective. Key Bank is taking no responsibility for their involvement in this issue. 

My credit score has dropped from over XXXX to under XXXX due to this issue. 

I am still unable to receive billing communications from Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
Ran annual credit report and inquiry showed an unauthorized credit report run XXXX XXXX, 2014 by Microbilt. Which was requested by XXXX XXXX XXXX XXXX. 

Microbilt - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX - XXXX Date XXXX XXXX, XXXX XXXX , CA , XXXX - XXXXXXXXHave filed dispute with XXXX and in the process of sending a certified letter with return receipt requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
GLA COllection Company XXXX XXXX XXXX, XXXX, KY XXXX is reporting XXXX collection accounts on my credit report, I have been trying for a year to have they validate that I indeed owe the debt, they have refused, yet continue to update that accounts and try to collect on them, I need proof that I indeed owe these alleged debts. 
Account number XXXX, XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation