vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-02 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XXXX XXXX, 2016 i wired money to XXXX via western union services, on the following day, XXXX XXXX, 2016 my sister who was the person to receive money went in to XXXX XXXX to retrieve money, the teller pulled up the info and went to get money but once she had money in her hand she turned to my sister and told her there was an error on the computer system and was n't able to complete transaction ... money was never given to my sister nor did she sign for it, i contacted western union immediately and was told they would be investigating this case and have since called in on daily basis only to hear them say they are looking into this, i need my money asap and would like immediate action taken on my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Even though the balance on my checking account reached zero, bank continued to pay out funds instead of making a notification of " insufficient funds '' and then charged my account fees of {$37.00}. The total is now close to {$1200.00} and since I have direct deposit of my Social Security check, they took all my money for the month of XXXX and now I can not buy food or pay rent or pay my utility bill. The Social Security check is in the amount of {$XXXX} so now they say I still owe them {$480.00}. I did stop direct deposit. But I still have no money for new eyeglasses or food or even laundry. As of right now, XXXX XXXX, 2015, I should have a positive balance of about {$720.00} in the checking account to pay my above listed expenses. I do n't know what I will do when my food runs out or if ConEd turns off my electricity. When I opened the account, I specifically told the bank officer that I did NOT want credit of ANY kind, especially any kind of draft balance protection. I said that if the balance reached zero to refuse the transaction. I NEVER write checks so refusing the transaction on a debit card is XXXX way for me to know when I run out of funds. The problem Bank is Peoples United Bank [ XXXX ] and the problem started shortly after XXXX XXXX, 2015

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
ACS Offices in XXXX, NY- XXXX XXXX, zip - XXXX Contacted my parents late at night inquiring about a debt they claimed I owed. The caller was rude and threatened my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
XXXX scheme. 
Perpitrator sends via USPS a fradulent cashier 's check and then asks you to wire a portion of the check via Western Union to the " movers '' who will come and pick up the furniture. Once the money is wired the cashier 's check is cancelled and you are now out the money that has been wired via Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I was supposed to be included in XXXX settlements with my lender XXXX XXXX XXXX and XXXX the servicing company ( Bayview Loan Servicing llc ) will not included me in any of them. I have ask for a copy of the print out from the portal showing me any printout saying I do not qualify they just keep sending me letters saying they do n't have to see attached letter. I worked at XXXX XXXX XXXX and I know better my loan was supposed to be included all they way back to the first suit in XXXX so I need help getting all printout from them They are afraid I am going to sue them for fraud. Also I had a mod in XXXX and paid on it for eleven months and then XXXX decided they did not want to do it anymore and stopped taking my payments. 
Please see attached letters from Bayview Loan Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: KEYCORP
State: WA

Complaint narrative:
I bank with Key Bank, and have for many years, having XXXX accounts with them. In XXXX, 2014, I began to pay the wrong amount on my line of credit -- {$1200.00} vs. the correct amount of {$1300.00}. This went on through XXXX -- XXXX months. My error. However, Key did not notify me of this uncharacteristic behavior, instead issuing me late fees, while not notifying me of that, either. I made timely, if erroneous, payments -- only XXXX, actually, in an XXXX month period, while never being called by Key. XXXX the late fees and the accrual of the amount owed ( {$400.00} total ) led Key to submit this to credit reporting, again with no notification to me of their action. When I began the process of refinancing my mortgage, the error was " discovered '' by my financial consultant, who had pulled credit. When I went to talk with Key, seeing if there could be some resolve to this, they rejected any form of leniency, denying responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I opened a savings account XX/XX/XXXX for {$25.00}. They said if I had {$100.00} in the account in 3 months I would not be charged the {$4.00} fee. I had {$100.00} in on XXXX XXXX, and on XXXX XXXX they charged the fee. If they do this on me, how many others are being cheated each month. I would like the looked into.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: P&B Capital Group, LLC
State: NY

Complaint narrative:
I shopped at amazon did get a credit card from them by way of XXXX. got a notice I owed XXXX dollars XXXX years ago. asked for the bills that demonstrated this purchase. many times, they promised always -- at that time it was crown assets who had the account now p and c XXXX ... no one ever sends it ... if I get it, and it is mine I will pay it ... now they say they are getting a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP
State: NY

Complaint narrative:
In a teleconference on XX/XX/2016, XXXX the head of Key Bank 's Collections Department, stated that XXXX did not apply to Key Bank ( because Key Bank did not accept TARP money ). 
In a XX/XX/XXXX XXXX XXXX about Key Bank XXXX XXXX XXXX, XXXX : XXXX # XXXX, XXXX XXXX XXXX XXXX ' XXXX 's question as follows : Key suffered some dark years during the recession and in XX/XX/XXXX became XXXX of the last banks to repay its {$2.00} XXXX in bailout funds. Is this still a turnaround mission? 

" The TARP money was not a bailout. It was originally given to banks that were deemed financially stable and viable. We were patient in deciding when to repay TARP because part of the requirement was that you needed to raise new equity -- you had to issue stock. By waiting until our financial performance was stronger, we diluted our shareholders less. We are proud to have that chapter behind us. We 've been profitable for XXXX quarters and are building momentum for the future. I truly believe Key is past the inflection point. '' If Key Bank accepted XXXX funds, than it is obligated to offer XXXX. XXXX XXXX 's misrepresentation that HAMP does not apply violates Unfair or Deceptive Acts or Practices provisions of XXXX U.S.C. XXXX ( a ) and New York XXXX XXXX XXXX, XXXX. 

Since XXXX will expire on XX/XX/2016, XXXX misrepresentation could be very injurious.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: KEYCORP

Complaint narrative:
Dear sirs, My name is XXXX XXXX, XXXX. XXXX and I am writing to you on behalf of XXXX XXXX, XXXX. XXXX XXXX has a bank account with KeyBank in XXXX, Ohio, which refuses to release the fund to her. Briefly about the background - XXXX XXXX XXXX had a sister, XXXX XXXX who passed away on XXXX XXXX XXXX and XXXX XXXX was declared the heir of her late sister 's funds on that very same bank account, as they were both joint owners of the account. She first requested the bank to close the account and send her the money in XXXX of XXXX. The bank ignored her requests and continues to do so to this day. It took XXXX XXXX XXXX a year and a half to get Keybank to respond to her numerous phone calls and faxes. After all that time XXXX XXXX XXXX of Keybank responded to her email, saying on XXXX XXXX XXXX that all her documents are in order and that " the account will be close in XXXX3 business days and the check will be mailed to the address on file. '' The check still has not arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP
State: OH

Complaint narrative:
I was part of the government Foreclosure Prevent effort program. That had helped me to protect my home from foreclose. The agreement was to maintain and work towards saving home as my home receive mortgage assistant. As of XX/XX/2016 the program was expiring, they sent a letter for me to take action as the day approach. I was giving XXXX options to prepare. I did all that was listed in the letter, however my mortgage company have been to given me a hard time and denied my twice, I appealed and have been continue to follow the compliance in which I was told to do so. The Mortgage Company failed to make any real helping progress and help me as a mortgagor. They receive all payments from the program on time and on several occasions they fail to keep my account up to date and let me know when changes was being made, when it came down thing I had approve like taxes insurance. I called on occasion. I took local action to assist with my mortgage and making it affordable for me. Because the interest was adjusted it from the mortgage prevent program, it impossible to refinance for repairs, or make it impossible to even if I wanted to sale property due to overwhelm principle being too much the home have no value. I express my concern to the mortgage company and I was still hit with intend to foreclose. It 's as I am being bully from a company that have no intent to save a dream only to profit. It is as if they knew the downfall. When I request for more detail regarding decline decision I was told they ca n't discuss the decision the investor makes. In mu process I had, request for a principle reduction, due to homes in neighborhood being miscalculated of value that create a disadvantage for my home the marketing for true value. The mortgage company knows that my neighborhood was doom for deprecation from wrongfully value from day of my purchase. I ask for guidance and help. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Quality Asset Recovery LLC
State: PA

Complaint narrative:
I was unaware of a {$74.00} medical debt owed from XXXX for dental work performed. I received a call from QAR Collections in XXXX NJ ( XXXX ) stating that I owed this debt and asking me to make arrangements to pay. I advised that I was unaware of the debt until recently when I saw my credit report on XXXX XXXX stating the amount owed was {$86.00} to a XXXX collection agency. I advised QAR that how could I owe XXXX agencies for the same debt and a debt I was unaware of until XXXX/XXXX/XXXX. 

QAR 's XXXX ( no last name provided ) stated possible debt was sold to both agencies. He gave me QAR 's website to make a payment and would not re-send any debt validation. In addition, he re-assured me that no credit bureau reporting had occurred. I disputed the debt on my credit report for XXXX and it was immediately removed by XXXX and XXXX and is still being researched by XXXX 

On XXXX/XXXX/XXXX, I spoke again with XXXX at QAR and advised that the debt was removed from my credit report for XXXX and that in analyzing QAR 's website, I could not pull my account information and their website was unsecure and I would not be willing to make any payments or submit anything on such a site. I again demanded a debt verification letter and he refused. I advised that I wanted something to prove the debt because I was unaware of the debt, had XXXX credit bureau agencies remove the record and their call tactics and website made me leery of paying such debt. He stated that he would have to ask his " director '' if he could re-send the debt validation or other notice. The next day, XXXX/XXXX/XXXX, QAR reported to the credit bureaus. I had it removed from XXXX and have disputed it with XXXX. It was not reported to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
My current mortgage is with Roundpoint Mortgage. Recently I lost my job and contacted them to find out what options I had, or what they could assist with to prevent me from defaulting on my loan. I was told to fill out " Hardship '' application and provide all documentation and then it would be a 30 day review. It has been over two months, and RoundPoint Mortgage ca n't seem to keep track of my paperwork. Every three weeks something is missing ( even though it was previously submitted ) or now.. some paperwork is starting to expire because they have sat on it so long. It takes then over a week just to process your paperwork from an email attachment into their system. They refuse to let you speak with managers and supervisors. I have called day after day after day, we did have a manager call us back once at XXXX when we called him back at XXXX he was gone for the day. Really helpful. RoundPoint mortgage has terrible customer service and is negligent in their customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
My mortgage lender has been collecting property taxes from me, but I do not see them paid to county. I remain there in my escrow account piling up. Country has started charging me interest on unpaid taxes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I was NOT aware of the debt until I checked my credit. To my knowledge, never saw a doctor in this town. I have never received a statement or bill from this doctor or agency stating I owed them anything, nor have I ever received a call. During the time of question ( 6 years ago ) I was insured and any bills submitted would have been paid under that plan. I have never received anything saying they were turning me over for collections or a right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: KEYCORP
State: NY

Complaint narrative:
ISSUE : The latest key bank digital online banking production released UI does n't authenticate properly. 

Key banks " offline '' status for 5 days has cost me late child support transfers, a failed pre school tuition payment transfer, and inability access my account information among many other inconveniences. For not just me, but ALL of their consumers. Meanwhile, I 'm sure they are cleaning up the fees while no one can even access their information. This should be criminally illegal. 


Specifically, the identity authentication link below is broken and does not work in IE, Chrome or FF. 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-19 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: ProCollect, Inc.
State: CA

Complaint narrative:
A collection agency, Pro Collect, is trying to collect a debt that should not exist. 

In XXXX of 2012, I discontinued payment on a storage unit due to financial difficulties. Within a couple of weeks of non-payment, I received a notice from the storage facility that the locks would be cut and my items would be sold at auction. I received a prelien notice on XXXX, a lock cut notice on XXXX and a notice that my items were to be sold at auction on XXXX/XXXX/2012. With rent at the storage costing $ XXXX/mo, the items sold at auction should have well covered the month of rent that was due. 

It has been 3 years since I have heard anything about the storage unit. Now, 3 years later, Pro Collect, a collection agency, is trying to collect {$6800.00} in back rent on the storage unit. This is outrageous and a complete scam!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Financial Assistance Inc
State: WA

Complaint narrative:
When I consolidated my student loan debt in XXXX, my XXXX XXXX XXXX, issued by XXXX XXXX, XXXX, WA of {$2700.00} was omitted in err. I had no idea this loan had been left out until it was placed in the hands of collection agency, FAI in XXXX, WA. I made a financial arrangement of {$200.00} per month. When I inquired about a statement of account, I was ignored, time and time again. I stopped paying after 7 months of payments, as I was concerned about the total of the debt and how my payments were applied. In XXXX, a lien was placed on my home for {$5600.00} ish, with finance charges still acruing. I had no idea that a lien was placed until I recently ( last month ) put my home on the market to sell. FAI and XXXX XXXX have both been unresponsive as I have tried to inquire about the amount of debt. I would like to resolve this debt but feel the payoff amount is excessive and unfair. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: HI

Complaint narrative:
I signed a mortgage loan agreement to pay {$2200.00} a month ( signed XXXX 2015 ) with XXXX XXXX. This included payment for Home owners Ins. ( XXXX. ) and XXXX Ins. ( XXXX ). I have paid all of my monthly payments early and over and above what is required. Then Roundpoint Mortgage took over the loan at some point. I have paid Roundpoint early and above the {$2200.00}. Recently I became aware ( through my online account ) without written notice or written explanation from Roundpoint that my new monthly bill would be {$2400.00} a month, and increase of {$120.00}. I spoke to XXXX XXXX, supervisor at Roundpoint, who stated that because Roundpoint did not take into consideration the XXXX Ins. ( XXXX ) cost into account for Escrow that there was a shortage and I would have to pay that shortage. I can understand an increase in insurance costs per month maybe being {$60.00} or so, but to increase monthly payment to {$120.00} to no fault of the customer is not right. I want to pay what I signed up to pay {$2200.00} a month or close to it at least. {$120.00} increase is alot for a family of XXXX and not fair with out notice.

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 2015-06-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP
State: NY

Complaint narrative:
I applied and received a boat loan though key bank in XX/XX/XXXX and it was for 15 years or XXXX payments.Over that period I received promotional correspondence of a skip a payment promotion which I took advantage of XXXX different times. How it worked was i would send Key Bank XXXX dollars and they would hold that payment and add it to the end of the loan term, which in essence would make it a XXXX payment loan as Key Bank describes it.My final payment was due this past XXXX, which i have n't paid as of yet, Because in XX/XX/XXXX Key Bank contacted me that my final payment which i thought would been the same as the other XXXX payments of XXXX dollars was going to be in excess of XXXX dollars because I took advantage of the promotional skip a payment program, which they claim those XXXX payments had been accruing interest from the time i skipped those payments.Now I do have XXXX of these promotional letters with the mail in coupon at the bottom this promotion did not take advantage of at the time, also will attempt forward it to you in my documentation. This to me is DECEITFUL and not a promotion and consumers including myself should be aware of these slight of hand practices ... .Please help me with this situation.

Company response to consumer: Closed with monetary relief