vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: MN

Complaint narrative:
I contacted XXXX to obtain services in XX/XX/XXXX. They informed me I could bundle service with XXXX. I decided that was an option I wanted. I was informed that before any billing would start the installation employee would come confirm that my residence was feasible to obtain services. The installation employee informed me that there were too many trees on my property to obtain XXXX service. He put me on the phone with a manager would informed me that all contracts would be null and void, and he was sorry I could n't obtain there services. XXXX days later XXXX sent me a bill for services rendered. I did n't obtain any services from XXXX as I did n't obtain the bundle from XXXX. I sent certified mail response requesting : 1 ) Proof that I am a customer and had requested services 2 ) Proof that services were in fact rendered at my address 3 ) If XXXX could n't provide proof that they stop sending me collections. I received no reply, but did receive a collections notice from a third party collections agency. I sent the collections agency the same XXXX questions i sent XXXX. The collections agency responded informing me that they in fact could n't prove any services were rendered and would be sending the account back to XXXX. XXXX link then sent me another collections notice on their behalf, and I again sent a certified mail response which received no reply. Now on XX/XX/XXXX, another collections agency is requesting payment of debt on behalf of XXXX at the amount of {$290.00}. This has caused me XXXX as I have NEVER missed any payments to ANY of my creditors. XXXX can not prove I had received or asked for any services. Yet, they refuse to respond to me correspendece. XXXX practices are in direct violation of the Fair Debt Collection Practices Act.

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 non-monetary relief
Consumer complaint received 2015-10-18 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: DC

Complaint narrative:
Borrowed XXXX finance change every time l make a payment if not payed in fill is XXXX .a when I asked about paying fill make excuse to get more money, so I made payments and still owe XXXX.I do n't know what to do I will be paying the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: TX

Complaint narrative:
My loan was transferred to Seneca Mortgage Servicing LLC ( NMLS ID XXXX ) effective XXXX/XXXX/2016 from another loan servicer. The Seneca Mortgage Servicing LLC transfer letter indicated I could use my bank 's bill pay program for payments. However, Seneca Mortgage Servicing LLC rejected XXXX bank bill payments scheduled in XXXX 2016. I called Seneca Mortgage Servicing LLC Customer Service on XXXX/XXXX/2016 and XXXX/XXXX/2016 after the XXXX payments were rejected. The explanations provided by XXXX ( XXXX/XXXX/2016 ) and XXXX ( XXXX/XXXX/2016 ) in Customer Service were not consistent with the transfer letter. I was told by XXXX Seneca Mortgage Servicing LLC does not accept bill pay payments from the borrower 's bank for a newly transferred loan until after the borrower calls and confirms the loan and contact information. I was later told by XXXX my loan was flagged for research. These unique restrictions were not contained in the transfer letter or posted on the Seneca Mortgage Servicing LLC website. Seneca Mortgage Servicing LLC should have accepted my bank 's bill pay payments for a loan in good standing at the time of the loan transfer.

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 2016-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
My taxes and insurance has n't changed much at all over the years. However, my payment changes significantly every time their is an escrow analysis. Having a $ XXXX {$400.00} jump in the monthly payment is not insignificant and causes a change in lifestyle. It is frustrating to deal with Round Point Mortgage. They ca n't figure out the right amount.

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 2016-09-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: CO

Complaint narrative:
I went into the bank, closed my checking account and told the teller, branch manager and a service rep that I intended to stop the autodebit i had to pay our 2nd and 3rd mortgage. I asked for a new auto debit form and since i didnt have a check on me we couldnt set up the new debit. I told him that in reality you just need signed auth for a recurring ach debit because a prenote would verify the info before actual payment is mafe. The branch manager told me he still couldnt do it. I called later agter i got a check the XXXX branch and the XXXX branch for a form without resolve. I then stopped back into thr XXXX branch where they couldnt set up the ach and then the teller told me the autodebit caused the account to teopen and then charge my account XXXX fees plus one of the payments posted. The teller couldnt help me. I emailed the banks helpline and they didnt help me. I stopped into the XXXX branch 3days ago snd still have not gotten resolve. I got s call from the nranch manager to which i missed and hVe called her back 5 times and email ed her once. Her voicemail says not to leave a m ssage. Aside from breaking nacha rules this is extremely deceptive. I just want it corrected so i can pay my mortgages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: WA

Complaint narrative:
I opened a new Key XXXX Checking account because of the promotional bonus being offered to new customers. The stimulations were as follows : Make XXXX direct deposit of {$500.00} at the minimum within 60 days after account opening. Direct deposit transactions are limited to payroll, Social Security, pension and government benefits. Limit XXXX gift per qualifying account. Limit XXXX gift per individual. The value of your gift will be reported on Form XXXX. Your gift will be deposited into your account within 90 days of meeting requirements. If you close your Account within 180 days of account opening, you will be charged a {$25.00} account early closure fee. You had to open the checking account with a minimum of {$50.00}. No problem, I have a great job and thought it will be easy to meet the 60 day deadline. Then I got into a automobile accident! I sustained a XXXX and as a result have been unable to work, my doctor has n't even cleared me to drive. Now obviously I wo n't be able to get a direct payroll deposit into my new checking account since I 'm not working. I thought that would n't be a problem, surely Key Bank will understand that an unforeseeable circumstance with my healthcare providers documentation should mandate a workable solution, right? No, Key Bank absolutely wo n't budge. I offered to transfer the {$500.00} from my primary bank account in order to fulfill Key 's requirement but they said they ca n't. I have worked XXXX a number of years and bad things happen, it is Key Banks job and responsibility to see that I am taken care of as their customer without us little guys they 'd be out of business. I further asked that if no resolution could be made that they refund my {$50.00} that I initially deposited to open the account without a penalty charge {$25.00}. They refused. I ONLY opened the XXXX Checking Account because of Key 's {$200.00} sign up bonus, it 's a great deal who does n't want a bonus. But all the bonuses in the world ca n't buy good business practices. They wo n't buy honesty, integrity or standing behind your word, your people, your brand, your company. By not having good customer service and representation a company is robbing itself of the very essential component ( s ) to keeping its doors open. And customer service without representation is empty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
On XXXX XXXX my husband XXXX XXXX received information that our house was set for auction on XXXX XXXX 2016 if we did not pay the past due balance. Her contacted our mortgage company RoundPoint Mortgage and was told to pay XXXX by XXXX XXXX to stop foreclosure. We issued and mail a cashier check and overnighted it to the company in the amount of XXXX they received the check on XXXX XXXX @ XXXX. the cashier check was returned to us on XXXX XXXX. post marked XXXX XXXX saying it was n't enough money. He called the company on XXXX and they apologized and could n't give us any explanation as to why the check was returned and told us to wire them the funds due to time restraint! I wired the funds yesterday at XXXX my husband called today and XXXX said that he was manually entering the funds to our account to call him back within the hour! My husband called and they said it was n't enough funds that we need XXXX then went to XXXX! XXXX would n't speak with my husband, my husband asked for a supervisor and was placed on hold for 15mins and then they told him that the supervisor would have to call him back! I have never in my life dealt with a company like this!

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 2016-06-27 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: KEYCORP
State: WV

Complaint narrative:
On the WV Unemployment card through Key Bank we had XXXX transactions XXXX for {$1000.00} and XXXX for {$280.00}. We reported it on XXXX XXXX as well as faxed the information to them to begin the process. We have not been given any information what so ever. They have been rude and not sensitive to the fact this was an unemployment card and took everything we have. We were told provisional money would be issued 10 business days from them reviving the fax .... Still nothing and when told about it they continue to say call back in two days of this takes time. We have financially struggled with borrowing money for bills and living expenses. We now are looking for help to know our rights on the process and where to go next.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I called my mortgage company about what was needed to remove pmi and I was told that my loan to valu ratio needed to be below 80 % for pmi to be removed. I then scheduled an appraisal through Roundpoont Mortgage ( my lender ). The appraisal came back at 79.5 % but the pmi removal was rejected for reason that the loan to value needed to be at 75 % or below. This was obviously different that I was originally told so I called and a manager listened to the call recordings and she confirmed that I was misinformed but they still would not honor the pmi removal. I feel that this issue was unfair to the consumer and that the pmi should be removed.

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 2017-01-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Ive contacted this company NUMEROUS times over the past several months as well as XXXX recently as of XX/XX/XXXX with no response or resolution still and it 's almost a year now to dispute this account. Ive requested for them to send me SIGNATURE verification that I signed for this proclaimed debt on NUMEROUS times. I did finally receive paperwork bearing back in XX/XX/XXXX signature HOWEVER as FTC laws state Your company AGAIN did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. therefore this has to be deleted. I have AGAIN pulled my credit report for the month of XX/XX/XXXX and the debt has STILL not been updated. This is the second time in almost a year I 've requested this to be corrected with the SAME result.

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 2016-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
My VA loan was transferred form XXXX XXXX to RoundPoint mortgage on XXXX/XXXX/16. the escrow account was short and the property taxes were due. RoundPoint allowed the taxes to become delinquent and I was assessed additional interest. I paid the taxes myself on XXXX/XXXX/16 when I learned they were not paid. RoundPoint submitted a tax payment about XXXX/XXXX/16 and it was returned to RoundPoint as no taxes were due. RoundPoint did not return the refund to my escrow account, and as of XXXX/XXXX/16 my escrow funds are still not returned to my account. The second problem arose on XXXX/XXXX/16 when I discovered that my payment submitted on XXXX/XXXX/16 had not been applied. Believing that the payment had been lost in the mail, I submitted an ACH payment so I would not be assessed a late charge on my loan. On XXXX/XXXX/16 RoundPoint applied my XXXX/XXXX/16 payment, and took a full months interest and escrow charges from that payment. Since I had just made a full payment on XXXX/XXXX/16 this was a gross misapplication of my payment on XXXX/XXXX/16. RoundPoint had only earned {$17.00} interest, and my escrow account had been fully paid for the month of XXXX. All but {$17.00} should have been applied to the Principal balance on my loan, but it was not, and the lender has not contacted me to determine how I wanted the excess funds applied. Having had one bad tax experience with RoundPoint, and knowing that I am ultimately responsible for my taxes whether the lender pays them or not, I paid the first half of my 2016 taxes on XXXX/XXXX/16. RoundPoint subsequently submitted a payment for the taxes on XXXX/XXXX/16. this payment will also be returned to RoundPoint as there are no taxes due at this time. It is my desire to get the payments I have previously paid applied properly to my loan, and the funds that RoundPoint has been reimbursed for payment that were not due be restored to my escrow account

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 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In XXXX 2016, I called my credit card provider, XXXX. I requested a credit increase in order to cover charges for my mother 's funeral. I was asked to informally state my annual household income. I told the woman {$230000.00}, which is about the same has it has been for the past XXXX3 years. I was told my request was denied, without any reason why. I later received a letter stating that the request was denied because I reported my income was {$35000.00}. The woman either did not hear me or made a typo in submitting the request, leaving {$200000.00} off our annual income. This is solely based on XXXX error. I have repeatedly contacted XXXX about fixing this. After being routed through several departments over several days, on multiple occasions, I am told it is my responsibility to contest XXXX ' MISTAKE with the credit bureaus by providing proof of income, tax returns, and more. Since then, my credit score, as well as my wife 's credit score, has been reduced by XXXX points. All of this based on an informal request for my income. Why is it our responsibility to correct this, when it is unquestionably XXXX ' mistake, and XXXX refuses to do anything?!?

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 2016-04-03 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
I received at least 2 calls per day including Sunday ato different times as late as 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 2015-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: M&S Recovery Solutions
State: NJ

Complaint narrative:
This company is trying to ruin my life. They call and threaten me all day, and for the past month, have been calling ALL of my family members up the entire XXXX XXXX. They will NOT validate debt ( If there is even a debt ), so I have no idea what they want. The harassment is getting so bad that I am seeking legal counsel next week. I just want them to stop calling my family and validate whatever debt they think I owe them. I did a complete debt consolidation two months ago so I have no idea what they want. They use threats and unethical practices and I have no idea how they are still in business. I am horrified by this company and what they do to people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
SCA Collections are reporting multiple medical bills on my credit report. I was alarmed to recently find these account on my report because I never received a notice of my right to dispute these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
Our mortgage was sold to XXXX Mortgage servicing. We sold our old home.The first week of XXXX I contacted them to " recast '' my mortgage. I placed many calls, and was given an astonishing amount of bad information, no action was done, and they would not return my calls. 

Finally, after realizing they would not communicate or cooperate with me, I decided to simply pay off the mortgage. 

I have paid off mortgages, so getting the payoff amount is a simple process. I paid the principal because they would not give me a payoff amount. They will not give me any interest not covered, or any information about my escrow account. 

We are now in the XXXX month of trying to take care of business. This neglect would not happen if they were trying to do a legitimate business. A real business solves problems, and takes care of basic processes. 

I therefore suspect that they do things they way they are doing because it obviously suits their interest. 

This makes me suspect fraudulent business practice. I can think of no other explanation.

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 2015-07-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I noticed on Sunday morning XXXX XXXX, 2015 that {$750.00} was missing out of my checking account and that there were XXXX transactions on XXXX XXXX and XXXX XXXX that I did not make. I opened my correspondence from TCF Bank that arrived on Saturday XXXX XXXX, 2015 and found a new check attached to a letter stating that a merchant where I used my check card had a security breach and that I should activate the new card immediately. I did so. I was told by TCF Bank that I should ask to have the fraudulent charges from the merchants reversed and to get police reports in XXXX XXXX, XXXX, and XXXX. I also had the video put on hold so that the investigators can have an opportunity to secure the video for prosecution. I have spent numerous hours on the phone with TCF Customer Service, TCF Fraud, and TCF Visa Payment Dept. I want to know ( and deserve to know ) who had the security breach. I should be told this information so that I can make an informed decision based on all the facts of whether I want to continue to do business with this merchant. The merchant should not be making this decision for me. I was also told to write a letter and put all of this information including all of my police report numbers and a statement that I did not make, authorize, or benefit in any way from these transactions. After receiving the letter, TCF would have up to XXXX business days to review the information and decide IF they were going to give me my money back. It was scheduled for the week of XXXX XXXX. XXXX XXXX XXXX aired my story on Sunday XXXX XXXX, 2015 and right before it aired a TCF representative XXXX XXXX made promises to me that he has failed to keep. He did return my money to me but not until Monday XXXX XXXX, 2015. XXXX XXXX will not tell me who had the security breach or return my phone calls or voicemail messages or follow through on any of the promises he made to me. The thieves made new check cards with my information on them and different names. They were also able to change the telephone number on my account without my permission so that so that they could authorize their own purchases. TCF told me they can not tell when they changed the phone number. I never received any notification of this change ( no email, txt, or snail letter to my house ). TCF said they would open an investigation that would take 3 days - that was on XXXX XXXX and I still have not heard anything back from them.

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