vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-12 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: TX

Complaint narrative:
I saw a collection on my credit from Pro Collect. A debt that I do n't owe. I sent for validation from this collection agency and they did not send me anything. It is now four months since I sent for validation. Pro Collect is not bonded to collect in my state. This is a time barred account. They are continuing to re age this account. This agency is in violation of the TEXAS FINANCE CODE AND THE FDCPA.

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 2016-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: NY

Complaint narrative:
Within two weeks I have heard from KeyBank with so many issues for my accounts. First, I received a letter that an account was opened in my name and called to inquire. She stated that it was closed the same day the letter says it was opened. Then I get a call from the fraud department that an online banking account was made and bills were paid, she inactivated the account but a week later I get mail welcoming me to online banking and reminding me of the offers that were presented when I set up the account. Today I received a letter stating that I have an account with a XXXX balance and so they are closing it and reporting it to the credit bureau. Not an account number I even have or know of!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
We refinanced our house and included payments to our creditors in the amount of the new loan. The lender, Cash Call Mortgage, wrote checks to pay the creditors directly, but one of the creditors did not receive the check. We have requested a new check for two months now since now we are technically paying for this debt twice at this point- We have already started making payments to Cash call including the amount that should have been paid to the creditor as well as making payments to the creditor until we receive the new check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I have repeatedly requested that Quality Asset Recovery provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

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 2016-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP
State: AK

Complaint narrative:
I closed my savings and checking account at Key Bank. Both accounts where started in 2013. I did not opt in to overdraft protection. After closing the account, key bank paid debtors I was unaware of in overdraft and charges overdraft fees totaling XXXX They made no attempt to contact me until months later, and where unwilling to work with me at all at a branch. In accordance with the law, I want the charges stricken.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Please note that I have tried every possible way to resolve this matter amicable over the past 5 years. I have used attorneys and attempted to resolve the matter with the courts. At this moment I have faced XXXX foreclosure sales both of which i was able to stop and the XXXX is now scheduled for XXXX XXXX, XXXX. In an effort to stop this one my attorney asked me to file this complaint and if that did not work I was going to file another montion and or a lawsuit against the bank and the lawfirm for illegally attempting to foreclose on my property all teh while I have been in negotiations with both the attorney representing the bank as well as in negotiations and discussions wiht the loan servicing company. As of date i have submitted an offer letter to settle the loan in liuie of forelosure, i have submitted to the Attorney a offer letter in writting and in email format and to teh servicing company Financial information for my current fiscal year XXXX and tax information for XXXX, XXXX and XXXX fiscal years including a letter of representation from my accountant. I have email and faxed the document multiple times. As such the representative from the servicing company assured me that the foreclosure would be stopped and to this date it is still pending. I am writting to you to assist me with stopping this foreclosure procedding and investigating as I am compelled to clain that they are violating my right and potetntially ignoring my efforts to settle this matter amicable. 
As I have stated I have spent money on attorney to assist me and yet still they do not work in any minigful way to resolve the loan default status. I continue to waste money and time fighting this. I have made an offer of XXXX to settle a loan amoutn of XXXX but to now I can not get a response from any one including the attorney of record and the bank or its servicing company. 

Please not if I can not get assistance in stopping this foreclosure, i ahve instructed my lawyer to suit the attorney and the bank for violating my right under the protections granted me under teh Consumer Financial protection act. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TCF NATIONAL BANK
State: TX

Complaint narrative:
Gateway Lending is reporting inaccurate and erroneous information regarding a loan that I had with them. Traded in this vehicle and asked for the payoff, the payoff amount was submitted in writing to XXXX XXXX XXXX. After the trade in transaction was completed they reported to the credit bureaus that I owed them over XXXX in arrearage to. In addition to this this company knowingly repossessed the car at one time knowing that it was in an active bankruptcy and that they were breaking federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
I recently purchased a new home with builder financing. My mortgage was immediately sold to Roundpoint Mortgage Servicing corporation and I 've been making payments to them for the last 7 months. XX/XX/2016, I received a Real Estate tax bill from the City and promptly forwarded it to Roundpoint so that it could be paid from my escrow account. Despite several phone calls to Roundpoint 's customer service center, one of which ended with a promise from the floor superivsor to get the bill paid, Roundpoint has failed to issue a check and I 've been forced to pay the tax bill out of my own pocket. XXXX 's excuse for not paying the bill is that it is marked " supplemental '' ; in actuality, the city of XXXX XXXX has confirmed that this is the normal real estate tax that is due for the period of XX/XX/XXXX - XX/XX/2016.

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 2016-08-10 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: KEYCORP
State: OR

Complaint narrative:
Received a {$50.00} check drawn on Key Bank ( routing # XXXX ) which I presented for payment XXXX XXXX, 2016 in their XXXX, OR branch. They refused to honor/cash the check unless I paid a {$5.00} fee. Is this legal? 
I deposited the check into my financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: CO

Complaint narrative:
I came in and open a checking account with Key Bank and XXXX XXXX on XXXX/XXXX/2015 at XXXX XXXX in XXXX XXXX Colorado. I also brought a coupon with me XXXX reservation number XXXX. I was told that all I had to do to get the coupon is to set up a direct deposit from work to this account totaling {$500.00} or more 60 days after the account opening. So I set up my direct deposit of {$250.00} twice a month to go to this account. On XXXX/XXXX/2015 I realized that still have not received a promotional bonus, when I called XXXX to report this problem, she called different departments to find out what happened and they said that there was suppose to be XXXX direct deposit of {$500.00} and it could n't be XXXX direct deposits totaling {$500.00} and that I wo n't receive a bonus. If I would have known that It needs to be XXXX direct deposit I would have simply set it up that way. One of the main reasons why I decided to try Key Bank was the fact that I received that coupon and I told the Banker that and I verified it multiple times to what do I need to do to receive the funds. I accept the fact that may be the banker did n't understand the dollar amount difference of a coupon and she did n't do it on purpose but that lead me to set it up my direct deposit the way I did. I feel like I was cheated and lied to, for no real reason. 
I tried to contact your customer support team but they told me to get in touch with the Branch Manager. It has been several months now and I asked XXXX to bring that up to her managers attention but she seem to ignore my email. 
I tried to contact the Branch Manager myself and she also ignored my email and XXXX voice mails that I left her, not to mention that she has been on vacation for over a month and nobody but her were able to help me. When finally she responded to another email that I sent her, she simply told me that it was my fault and there is nothing that she is going to do. I asked her to look through the transaction history on the account and see that my direct deposit will come in and I will take most of the money out or transfer it to my primary bank. You can clearly see that I did what I was explained to do. But she said that her employee would have not done that. I understand that she suppose to protect the bank assets and back up her employee, but that went a little too far. She clearly did not do any research and probably never even looked at my account to see what I was referring to. In this case it was not just the banker that misled me to this situation but also the customer support was not willing to even look into that issue, neither did a branch manager, just leaving me with a lot of wasted time and money and feeling that I did something wrong when I did everything exactly as it was explained to me. I did n't receive a proper disclosure about the account or the coupon terms that led to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo Home Mortgage just inform me in the last couple of weeks that I have been switched from a 30 year FIX rate to an adjustable interest rate on my primary mortgage. In the year XXXX when I was trying to get the financial support to obtain my property. I had a credit rating of XXXX ( Excellent ). Their were no reason for me not to able to get any institution to finance the home in XXXX Colorado. I chose to get help from the people who were in offices that were building the new homes at the time, and they started the process of getting Well Fargo Bank t involve in financing my home. I indicate at the time that I wanted a 30 year fix on my new home, and XXXX XXXX from XXXX XXXX Services indicate that Well Fargo would not do a 30 year on the secondary mortgage, but They would do a 30 year fix on the primary mortgage. Now 11 year later I receive a Letter from Well Fargo Home Mortgage indicate that my mortgage would increase in XXXX, because I sign a Document that indicated I would go from a 10 year fix to a Adjustable rate in XXXX of XXXX. I am just now paying only the principal after 10 years of paying both the principal and interest on my Home. I feel like both Well Fargo Bank, and XXXX XXXX XXXX have deceit me, because I was told by XXXX XXXX that the paper work that I was to sign in XXXX of XXXX would only include the secondary mortgage, as, adjustable and I could Fix that at in time, and I did fix the secondary in the year XXXX. Now too my surprise 11 years later. They inform me that their was a Fixed/Adjustable Rate Note among all the paper work that I put my init on ( GH ). that stated that I would converse from a Fix mortgage to a adjustable after 10 years. What reasonable person would do something this crazy. This is another sample of some of the bad practices that I have been reading, about Well Fargo Bank. Now I find out that Well Fargo Bank CEO has step down for some of the problems that they have created. I saw the congressional hearing on Television, and I understand WHY he had to step down. I am a customer that has lost faith in Well Fargo Home Mortgage, and Well Fargo Bank. Please help me to resolve this issue with Well Fargo Home Mortgage I have just turn XXXX XXXX XXXX, and I have begin to set myself up for retirement, but now this problem has stop some of my plans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am currently looking to discontinue my payment arrangements with Pro Collect Debt agency regarding my outstanding balance with XXXX Prior to today I did not have any previous issues but this is cause for concern since I do not want any further inconveniences with my credit. I made payment arrangements of {$100.00} due on the XXXX of each month and was contacted today at XXXX am stating my payment was declined due to insufficient funds. I find this concerning because XXXX I work for my financial institution and can verify if a payment was declined for this reason, and I would have also seen a charge of {$29.00} hit my account. My account had sufficient funds to not only cover the amount but also the fee of {$7.00}. After speaking with XXXX or XXXX a payment of {$100.00} was successfully processed. I do not wish to receive further calls stating my payment was declined due to Insufficient funds and was able to speak with the apartment manager XXXX or XXXX regarding the issue of the phone call and my concern for my future payments. She did offer assistance in processing future payments via a Money Order and honoring the current balance of {$790.00}. I find not only a concern that the assigned Account XXXX sped through the last phone call I had with her, but also a concern that when attempting to resolve this matter with a Supervisor, I was transferred multiple times only to receive a busy signal. I also find it discomforting that during a LiveChat session with XXXX XXXX required my full Social Security Number to simply tell me that they can not send me any proof until I have paid the account in full. It is disturbing the lack of customer service debt collectors have. I speak from personal experience in assisting my place of employment as well.

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 2015-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
To Whom this may concern, I am writing you and filing an complaint against RoundPoint Mortgage regarding my property at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Il. XXXX there is a foreclosure sale date set for XX/XX/XXXX set to sell the home my husband, daughter and I currently reside in at XXXX cst I started sending documents to them in XX/XX/XXXX, well before the XXXX days prior to the sale of my home. I have dealt with XXXX other people regarding a loan modification at Round Point mortgage regarding this loan .I spoke to a XXXX XXXX who is no longer with RoundPoint Mortgage who assured me that once the paperwork went through, the sale would be postponed along with the underwriters. I have provided the proper documentation needed to do a loan modification, the hardship letters, the tax information, and bank statementsmedical statements and other personal documentation .I have sent missing documents when they were requested, and in the span of XXXX weeks left messages for someone to call me back to tell me if I was missing any other documents.i received no phone calls until I received a phone call on fri. XX/XX/XXXX from XXXX at RoundPoint mortgage and was told I had a lein against my property from my association that was back from XX/XX/XXXX which I did n't know that was on my property. I then got the information about the lein from the association that day and emailed the proper documents that said my lein was released on sat XX/XX/XXXX. I then got a copy of the release from the association and emailed those documents on XX/XX/XXXX. I also went to the recorder of deeds in XXXX XXXX and had the lein released today XX/XX/XXXX. I emailed this information to loss.mitigation @ roundpointmortgage where I have sent all other correspondence. I spoke to XXXX and he told me the documents were n't shown in the system yet, as it take XXXX hours to get into the system and to call back on weds XX/XX/XXXX which is clearly after the sale date. I have sent all the documents needed in the time frame I have been told that they were needed to be in to ask to stop the sherriff 's sale of my home. According to Roundpoint Mortgage, the paperwork was not received in the time frame they needed. I should then have been told on Friday that there was n't anything more that could be done to stop the sale of my home. I understand my loan was in default and I was trying to do everything in my power to remodify my loan but have been given a run around. I then spoke to a XXXX who is an underwriter at RoundPoint mortgage on the evening of XXXX who told me there was NOTHING that could be done to stop the sale. 



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 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: KEYCORP
State: CO

Complaint narrative:
I filled XXXX total complaints against a company claiming they are a law firm when XXXX of their " attorneys '' are registered in the Colorado bar database. The company is called XXXX XXXX " XXXX XXXX ''. I submitted the first complete because they kept billing me & kept deducting from my checking account {$99.00} per month. I canceled XX/XX/2016 and I was billed for the month of XX/XX/XXXX at the birth of XX/XX/XXXX totally {$200.00}. after I filed a complaint with the federal trade commission, they advised me to dispute all of the charges from the company as they did not what was in their contract promised to me as well did NOT provide me any PROOF OF SERVICE and could not report TO ME ANY ACTIVITY they have done in past XXXX months. When I signed up with the " credit repair '' company my XXXX score was XXXX. NOW, it has DROPPED TO XXXX!! I contacted ALL XXXX credit bureaus & they confirmed with me that NO ACTIVITY has been done and no dispute letters have been sent/received as I never did receive a letter from ANY of the XXXX bureaus in XXXX months. According to XXXX email I sent the company asking for progress or updates, I finally received a response from XXXX Law that they need a credit report in XX/XX/XXXX MONTHS later!!! Shortly after I contacted the Federal Credit Repair Act, I was advised to file a dispute with MY BANK & TO REPORT FRAUD. This is where my bank comes in. Key Bank! After filing XXXX disputes my bank WOULD NOT do anything to PROTECT ME AGAINST FRAUD nor issue me a provisional credit as these charges have caused me financial hardship. I am having to fight WITH MY BANK, KEY BANK and to having to LITERALLY beg my own bank to recover the money that was charged. MOST BANKS will issues the charges reported as fraud within XXXX hours. KEY BANK has done NOTHING to protect me as a consumer not the mention the XXXX complaints were filed XX/XX/XXXX XX/XX/XXXX. Still my bank as done NOTHING! The laws we published under the XXXX XXXX XXXX were clearly violated and " XXXX XXXX '' still will not provide me with ANY proof of service. As of now, I only have bank statements of the charge as XXXX XXXX has not answered ANY of my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XX/XX/XXXX I used services of Western Unionto send a small sum of money to my mother inXXXX. The transfer was immediately suspendedand explained that my name resembles someone 's onthe OFAC sanctions list. I provided all my personalinfo along with the copy ID to WU security dept. and alsochecked my name on that list. Neither mine nor my mother'snames showed up. However, WU still evading myquestions about time frame they need to verify my infoand why they are lying about the sanctions list. May be I'mmissing something, but the same situation with the listhappened to my brother-in-law who tried to sendmoney to his mother, also in XXXX, this month. 
Thank you for your attention

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
Once again, being like 2016, equifax is not allowing disputes to be filed on line and just like in 2016, Equifax is being and engaging in obstructive means to frustrate the consumer attempts to correct all the incorrect information on the equifax credit report. Many of the incorrect items removed in 2016 are once again showing up just like they did in XXXX 2016.

Company response to consumer: Closed with explanation