vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-22 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made an ATM deposit last week thursday, XXXX XXXX. The Capitalone ATM malfunctioned, ate my cash and card. Capitalone 360 reps first stated that within 1-2 business days it will be resolved. It has still not been resolved. The bank is now stating it will take 45 days to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMCOL Systems, Inc.
State: MO

Complaint narrative:
XXXX XXXX, 2015 I sent a letter to Rickman and Rickman to validate these debts. I received a reply containing statements that have incorrect information and still unsure about these accounts. XXXX XXXX, 2015 I sent another letter stating I want these debts validated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have not hard back from them since the XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Patenaude & Felix A Professional Corporation
State: TX

Complaint narrative:
On XXXX XXXX XXXX I found out that the above company issued writ of execution on behave of my name for bank garnishment. This writ was issued on XXXX XXXX, XXXX in XXXX Supreme Court in XXXX XXXX XXXX. I was never served a copy of this writ or any other docket entries as of the case was initially filed with the court. I live out of XXXX state for 8 years. I left on XXXX XXXX, XXXX and moved in XXXX. After 3,5 years I moved to XXXX, currently I live in XXXX for 3 years. I was not aware of judgement entered against me. I was never contacted by the collection agency above. On XXXX XXXX, XXXX I contacted the agency to find out when was the docket filed the person I talked to refused to provide me with any information about the court case. He advised me that I can find the case record online without giving any further information. After I insisted at least to be provided with the county courthouse, the person let me know the name of the above court. Moreover, I contacted the legal department of XXXX XXXX XXXX ( the writ was issue to withdraw all my bank funds in that Bank ), they provided me with the docket number so I can research the issue. Currently, I will be filing motion to vacate judgement due to inappropriate service of defendant ( which never happened in any state I resided so far or the state I live currently ). Thank you in advance for taking the time to investigate that issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
I submitted a complaint to the CFPB on XX/XX/2016 regarding Roundpoint mortgage not allowing typical and standard costs that have been verified from the buyers lender in a Cost Estimate for his loan that we asked the bank to allow after raising our sales price to cover those fee 's along with Roundpoint paying for Title fee 's for the borrower so that we could insure our title at closing for the buyer. The complaint case # is XXXX. 
Roundpoint has continued to stall in making any decisions on this account and also has not replied to the complaint submitted on XX/XX/XXXX, other than " Roundpoint needs more time '' That again is a stalling tactic. the single point of contact " XXXX XXXX '' has continued to tell me that I can not get any info from the correspondence dept regarding what is going on with that complaint. He has also said that the file is still under review and has not been responded to although they say its been complete since XX/XX/2016. It is now XX/XX/XXXX without an underwriters decision. This file has been under review with Roundpoint since XX/XX/XXXX. That is 4 months too long to highjack any file and just let the borrower continue to make payments without any response to a bonafide offer that is ready to close. Please get Roundpoint to respond appropriately and legally.

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 2016-11-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
Roundpoint Mortgage Servicing Corporation services my home mortgage. When their client purchased my Mortgage, they did so without the obligation to pay the property taxes. I am responsible for property taxes. I paid the property taxes as per my duty in 2016. I then began to receive notices that they wanted to me additionally pay into escrow with them. When I inquired about this, they stated that they had also paid the property taxes on my behalf. I asked them to correct this issue and not to bill me for unpaid escrow money. They stated that they could not correct the bill until they had received the overpaid taxes from the municipality. Given that the error was administrative on their part, I asked them again not bill this directly to me. They claimed that they would work this out on their end. Despite several conversations with customer service I have received bills including late fees and collections notices which I feel are harassment, given that the original issue was an administrative error on their part. I continue to receive these notices and would like them to correct the error.

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 2015-06-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: KEYCORP
State: CO

Complaint narrative:
I have private student loans from Key Bank I owe {$58000.00} they will not consolidate them, or find a payment plan that will give me a chance to pay back my loans. I need help right now my loan is in 'Charge Off '. I only make {$15.00} and hour and need assistance in getting them consolidated and find a payment that I can afford. 

Thank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
My checking account was garnished by a third party for a judgment debt. The bank charged my account {$110.00}, then charged me {$74.00} more because it paid off XXXX of my charges that did not go through for the very reason that the bank had frozen MY funds and then also assessed that garnishment charge ( which I never was made aware of or agreed to at any time ). Pursuant to Minnesota garnishment law I mailed the bank my signed notice of exemption form proving that all of the funds in the account came from sources ( social security and pensions ) exempt by state and federal law from garnishment, along with 60 days of bank statements. More than six business days have expired. The judgment creditor did not send or serve any objection to my notice of exemption to me or the bank. Minnesota XXXX XXXX XXXX ( 2015 ) ( the garnishment law ) expressly states " All money claimed to be exempt shall be released to the debtor upon the expiration of six business days after the date postmarked on the envelope containing the executed exemption notice mailed to the financial institution, or the date of personal delivery of the executed exemption notice to the financial institution, unless within that time the creditor interposes an objection to the exemption. '' All of the preconditions to releasing my frozen funds have occurred, yet the bank refuses to release MY money. I called TCF twice, and spoke with a " supervisor '' XXXX times. They refused to connect me to any XXXX higher up, or to the bank 's garnishment department, or to the bank 's legal department. Even though I read the Minnesota statute to them out loud, the both said they would not release MY MONEY without a court order. They XXXX told me there was no one else at the bank they would allow me to talk to, and that there was nothing more I could do except deliver the the bank a court order. I complained in person to my local branch office. The person there told me that the bank had already paid my exempt funds to the garnisher, and I would have to get my money from them!! The bank has completely ignored its statutory and fiduciary duties to me by ripping my exempt money from my account and giving it to a creditor, and added insult by charging me almost {$200.00} for the favor of their victimization. I have proof that the bank timely received my exemption form at the address they provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank XXXX XXXX has reported ATM machine abuse on my XXXX report. This was reported XX/XX/2014. The incident they are reporting was an account closure due to letting someone else have access to my PIN number which was against their policy and they closed my account. No money is owed the report shows paid in full. Due to the use of the term ATM machine abuse I am denied any bank accounts which is making it very difficult to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP
State: OH

Complaint narrative:
I WAS THE EXECUTOR OF MY FATHER 'S ESTATE.A BANK ACCOUNT WAS OPENED # XXXX.I WANTED TO FIND OUT WERE THE LAST CHECK FROM THIS ACCOUNT WAS DEPOSITED.I GOT A COPY OF THE CHECK BUT THE BACK IS ILLEGIBLE.I HAVE A RIGHT TO KNOW WERE THIS CHECK WAS DEPOSITED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: MO

Complaint narrative:
We refinanced our mortgage in XXXX XXXX. It was quickly sold to RoundPoint Mortgage Servicing. On XXXX XXXX, XXXX I first contacted RoundPoint to notify them my initial escrow deposit of {$3300.00} was missing from escrow. It took until XXXX XXXX, XXXX for the funds to finally be deposited. The agent I worked with told me no analysis would be done because the Initial Escrow Analysis from origination was accurate. The deposit is incorrectly credited on the account as a Hazard Insurance Refund. Today I went to make my XX/XX/XXXX payment and noticed the payment has increased from {$1200.00} to {$1200.00} - increase of {$9.00}. I looked further and realized on XXXX XXXX, RoundPoint performed a short cycle analysis effective for the XXXX XXXX payment. They are violating RESPA guidelines and are not providing at least 30 days notice of a payment increase due to escrow. I was on the phone with customer service for over 1 hour and am no closer to an explanation. The level of customer service I have received is far below the level anyone should be receiving. For example, on the phone today, the agent informed me the analysis was performed and payment increased due to taxes increasing, which is completely false. I was also advised that they received an insurance refund on the account, again false. I should n't have to hand hold every customer service agent I speak with to tell THEM what is happening with my 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 2016-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I had a mortgage loan through Round Point Mortgage and serviced through their Roundpoint Mortgage servicing department. We closed the loan through the sale of our home on XXXX XXXX. At the time of the sale of our home we had a balance of {$2700.00} in our escrow account and we ca n't get it refunded to us by Roundpoint Mortgage Servicing. Each time we call we are given a new excuse ... it takes 7 to 10 days, it takes 10 to 15 days, it takes 20-30 days. It has been nearly 60 days since we closed and yet no refund of our escrow account They claimed they sent it but we never received it and when asked to stop payment and resend, we keep getting the run around. I have called 8 times in the past week asking for managers, supervisors etc and no one will return my call regarding this refund. Any help would be greatly appreciated. Thank you XXXX XXXX

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 2016-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I am steady receiving harassing, threatening, and abusive phone calls and death threats, from TCF Bank debt collectors for an unauthorized and fraudulent checking account, someone opened in my name illegally and fraudulently. I never applied or opened a checking account with TCF Bank.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ProCollect, Inc.
State: FL

Complaint narrative:
This is a illegal bill this bill is not owed do to findings of the court and they didnt notify me until a year after they put a debt on my credit that is not verfyied as true and correct the court didnt give them premission to collect on this debt after the proceedings and this is effecting me by not able to get a loan i want this company to remove this debt from my report and stop contacting me i will sue this company if they continue to collect a debt that isnt correct i have proof this is no longer a debt that is owed from me this isnt my debt and it needs to be removed from all my credit reports

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 2015-04-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ProCollect, Inc.
State: TN

Complaint narrative:
Debt collector did not make communication attempts or notification by mail for debt owed or process to dispute in due time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Trans-Fast Remittance LLC
State: CA

Complaint narrative:
hi I tried to send money thru online money transfer service trans-fast remittance llc XXXX 
after loggin in and sending money I received a email after XXXX min saying that my transaction has been cancelled. I called them to ask ehy then the rep. told me that because I failed security check that why not only they cancelled my transaction but also blocked my account so I can not ever use trans-fast again. I talked to supervisor and they gave me the same answer that because I failed in security check. 
I am 100 % sure that information I gave them is real and accurate. then why I should fail a such test. 
I asked them to recheck and do manual verification but they did not entertained my queries.

Company response to consumer: Closed
Consumer complaint received 2016-10-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
in 2014, I got a loan from prosper. I had financial hardship and could not keep up with the loan payment. I tried to settle with prosper and was unsuccessful. Prosper has ruined my credit for the last 2 years. I just informed that they sold the loan. I would like prosper to rescind that sale and stop ruin my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
I have contacted Prosper on several occasions regarding the amount of time it takes for mailed payments to be posted to my account. 

Because of a recent delay, I encountered fees totaling {$40.00}. After filing a complaint with the XXXX coupled with information from my financial institution XXXX XXXX XXXX, Prosper agreed to remove the fees. 

Unfortunately, I have had a difficult time getting Prosper to follow through with their commitment. I have contacted customer service via phone on several occasions as well as forwarded multiple emails to XXXXXXXXXXXX to no avail. 

Considering interest accrues on my account daily, it is critical that Prosper processes payments promptly as well as address consumer complaints timely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I was sent a letter XXXX 2015 shortly after roundpoint started servicing my new mortgage. They were saying that I did n't have proper insurance for my condo so I sent the a copy of my XXXX policy and the associations master policy. I was assured by my mortgage originator that the coverage passed underwriting and was within XXXX guidelines. When calling to follow up with roundpoint I was told that the fax went to a central location and it would be days before it was fixed. I never heard anything back until moths later getting another letter stating that they were forcing me to use their insurance company since I did n't provide proof of insurance. At that point I got my mortgage originator involved and we sent the proof to the fax number provided from HIS office and got confirmation of delivery. Then about a month and a half later on XX/XX/XXXX I was notified that I was charged {$1900.00} for insurance which is an unbelievable number since my insurance is slightly over {$30.00} per month and the dwelling ( condo ) is covered by the HOA with a XXXX dollar policy. Now unfortunately I am stuck due to the servicing violation at the hands of roundpoint mortgage servicing because my impound account is in the rears. After multiple attempts between XX/XX/XXXX and now I have tried to contact them by phone and get the run around. They can never give me a manager on the phone and keep telling me that there is nothing that can be done. I have multiple emails showing that I scanned and emailed them and faxed the proof of insurance and it has now cost me tens of thousands of dollars.. That sounds like a stretch as my damages might seem like they should be {$1900.00} for their forced insurance that was n't needed or legal so let me explain. A few weeks ago mortgage interest rates had dropped to the lowest point of the year. Unfortunately I could n't take advantage of a refinance because the balance on my impound account is now at a NEGATIVE {$1500.00} so in addition to the closing costs I would have to pay the negative that was caused by their fraudulent insurance and enough money to establish a new impound account which should have already been in mine and carried over. The difference between my current rate and the rate I could have received when they dipped when amortized would have been tens of thousands on top of the fact that they will be raising my payment on a FIXED loan to cover their insurance. I have gone through all of the standard protocol up to this point and have no other option to ask for your help in this matter. It seems that if I am having these issues with this company others must be too and they should be audited and forced to pay ACTUAL damages plus penalty for almost on purpose overcharging and abusing consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
XXXX coded my emergency visit under dental so insurance was not covered. The bill was very high and could not pay for it so they sent this over to collections. The company called me several times and said that if I paid them this would not affect my credit in a negative manner. They put negative remarks on my credit even though they were paid

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: P&B Capital Group, LLC
State: OH

Complaint narrative:
This agency has been instructed to validate the debt through written form. I have not received a letter. They call multiple times throughout the day without leaving messages. I receive multiple calls from multiple telephone numbers with different area codes. 
( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
My mortgage company did not pay my homeowners insurance ; and, now my policy has lapsed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
This company is Castle Payday, It goes and has gone under multiple names, Red Rock Lending, and has now changed its name to Big Picture Loans. Avoid at all costs I made the mistake of taking a loan out with these scam artists, I was approved for a {$800.00} loan, but only borrowed {$350.00}. I was told by the Rep on the phone that there would be a finance charge, steep, but I agreed. 

What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure not visible at the time I accepted this loan showed an APR of, and this is not a typo either, over 750 % and that the total repayment amount for my {$800.00} loan would be a well over XXXX. 

Payments were {$350.00}. Even with high interest I figured XXXX or XXXX payments would do it. 

My bank looked into it. Agreed it was outrageous. Now, they tell me theat Castle has come back with legitimate paperwork. 

Well of course they have paperwork. I signed it. At the time it WAS NOT REVEALED that payments were interest only - the loan just builds and builds!!!!!

Company response to consumer: Closed with explanation