vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: KEYCORP
State: CA

Complaint narrative:
I am submitting my request again since Key Bank USA / XXXX XXXX / XXXX ( XXXX XXXX XXXX ) continues to wrongly report a delinquency / non payment on my credit report multiple times for ONE student loan issue that was paid in full and resolved ( DUPLICATE reporting of same issue when it is just ONE issue ). 1. The account was paid in full and should be removed as a negative on my credit report. 2. In addition, reporting by XXXX entities was wrongful because the account existed only with Key Bank and the other entities have no right to report. XXXX. The one account at issue was wrongly reported negatively under multiple account numbers when the issue involved only one Key Bank account which was paid in full. 4. After multiple attempts to correct the erroneous reporting of the account with Key Bank and the Credit Bureaus -- all XXXX Key Bank entities continue to wrongly ( negatively ) report the account in duplicate and unresolved. 5. The amount involved is under {$200.00} however its impact to my credit history is negative, erroneous and without basis. 

I am seeking your assistance resolving this matter because KeyBank USA / XXXX XXXX / XXXX and the Credit Bureaus have repeatedly failed to address this even though I have contacted them multiple times. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
My mortgage states that PMI can be cancelled at my request at 80 % of LTV or the mortgage company has to cancel PMI at 78 %. My mortgage company has declined to cancel PMI despite having reached the 80 % LTV point. They claim an appraisal is required. I have contacted the loan originator ( loan has been sold ) who has confirmed that a second appraisal is not a requirement. My mortgage company has refused despite multiple phone calls and and requests in writing.

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 2017-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP
State: NJ

Complaint narrative:
Please help! Had car loan with Key Bank - car was totaled in XXXX 2016. Insurance company sent three checks to bank. Last one finally deposited. GAP insurance sent remainder of balance to bank. Bank lost check. I continue to be charged the monthly payment even though it should have been cleared in XXXX. Please help! No one at Key bank will help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
I have been trying to contact the mortgage servicing company ( Roundpoint Mortgage Servicing ) for weeks to unlock my account. The account was locked because I was forced to change my password and was unsuccessful trying to log in afterwards. I have called the customer service number numerous times, and always get the message " we are experiencing high call volume ... '' etc. I have tried the option of having them call me back, I have e-mailed them, and I have waited on hold for hours at a time. It appears as if they have nobody actually available on the customer service line. 

In any case, I am unable to log in and am unable to contact them, so I can not get any information about my loan, tax info, or more importantly I can not ask other questions that require speaking to someone. Please help.

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 2017-01-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
Sentry Credit INC XXXX, WA. This company bought my outstanding loan from CREDIT BUREAUS which is XXXX years old. Added interest to my balances and trying to aggressively collect the debt saying they will make sure the collections remain in my credit reports for another 7 years.

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 2016-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
my mortgage company will not allow me to make a partial payment and in turn charges me late fees on the full balance

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 2017-03-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK
State: SD

Complaint narrative:
I have an auto loan with gateway one lending and another with a different bank and the payments are 5 days apart. so I split the payments and pay both every two weeks. I noticed my payments were n't going to the principle so I emailed asking why. I get a response, to me seemed very rude and sarcastic. I then made a partial payment like I always do and the following day I started to get calls saying I need to make my payment. I again emailed them in a stern sense saying they just too a payment and they clearly know what I 've been doing for the last few months. did n't hear anything back until I get a voicemail of a lady talking to someone saying, I guess we can scare her into making her payments, even then that wo n't help. she then called back again and I told her what I heard. she had no problem getting a manager. the manager got on the phone and to me seemed to down play it, oh, well we do n't do that here, im sorry. but still insisted that I needed to make a payment on post date one. he took off late fees and did n't charge me the 10 dollar over the phone processing fee and said he would email me my transaction and if I have any other concerns to let him know. well, I have n't gotten that email yet. this is disturbing to me that they feel they need to talk XXXX about a client to another associate. they always get their money. I bought the vehicle XX/XX/2016 and it 's a year later and I 've barely knocked XXXX off the loan. my payments are XXXX a month.in 12 months that 's XXXX dollars and if you took that and split between principle and interest that 's still XXXX dollars. it does n't add up to where my money is going. Im trying to build my credit back up and this company is hurting me. they report to the credit company everytime I 'm late. It just does n't sit well with me, I have to wonder, when they call am I going to be threatened. not to mention they call before XXXX, they will call me 2 or 3 times then call my husband while at work. now I have to worry, if I make a payment is it going to the right thing, are they going to send sone one to come get my truck, because I making a partial payment twice a month is n't good enough or are they going to leave another threatening voicemail. please can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: OR

Complaint narrative:
I have now been a customer of XXXX for the past year and have had a number of issues with your loan servicing. The XXXX time with your company I have been assessed a late fee for a payment that was there before the deadline of the XXXX or according to your customer service folks a day or XXXX later if the XXXX falls on a weekend or holiday. Regardless I use online banking with XXXX XXXX XXXX for everything and it seems that this company is the only one with difficulty processing/crediting payments in a timely fashion. Last time I was told that the payment was in paper format and that was the delay. I paid XXXX of the fee. That was my XXXX late mortgage payment ever in 15 years. This time I have contacted B of A and confirmed that all of my payments to XXXX Mortgage are in electronic format. The payment was sent on XXXX arrived and was deducted from my account on XXXX. XXXX did not note payment until XXXX, and then assessed a fee. This behavior appears fraudulent to me. I pay my bills on time and live within my means. I am a single parent that is accountable and prides myself on being on time. I am very frustrated. My pay date varies knowing that I have a window based on my own paydate from my employer. 
Bank XXXX document is the exact snapshot of my XXXX XXXX XXXX online bill pay account noting when the payment was sent received and deducted. 
I was frustrated enough to look up on line to see if others find the same problem with XXXX and the reviews are horrible XXXX stars all with similar issues. 

My expectation is to quickly resolve this issue and reverse the fee from this time and last. Also to please educate their customer service folks on ethics for not lying to customers ( paper versus electronic ). I have submitted a complaint to the Better Business Bureau as well as recommended by the websites dealing with Mortgage fraud.

Company response to consumer: Closed
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Russell W Richardson, Attorney at Law
State: NV

Complaint narrative:
I received a call at my place of employment. They tried to scare me when they first called stating, or good, is this ( he proceeded to say my name )? I need your human resources department if you do n't have 10 minutes for me to transfer you to our legal department. I asked who he was and what legal department. He raised his voice and said I already told you who it was, DFC Legal Services. I asked who that was and who the supposed debt was too. He proceeded to talk over me and told me he hopes I was aware that our call was being recorded, and I said good. I asked again who this debt was supposedly to and he said he could n't tell me but I needed to call XXXX ext XXXX. I proceeded to tell him NEVER to call me at my place of employment again or I would be fired.

Company response to consumer: Closed
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: KEYCORP
State: OH

Complaint narrative:
I have about {$5000.00} in fraudulent charges from a XXXX. These charges are unauthorized. I have contacted Key Bank via postal mail but have n't received a response. I am XXXX so I can not call their fraud number that they 've given me and they wo n't allow you to initiate a dispute via email. So I mailed them a dispute letter about these fraudulent transactions. There are also about {$150.00} in foreign transaction fees. 

After doing some research, you should be aware that XXXX is n't even allowed to do business in the United States or with any U.S. citizens for that matter. They are an unregistered, unregulated brokerage firm of some sort and do not comply with U.S. laws. In other words, they are illegal and should never have been able to charge my debit card in the first place. I am attaching a document from XXXX that the SEC published that backs up the fact that XXXX is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Valentine and Kebartas, Inc.
State: NH

Complaint narrative:
I spoke to a rep XXXX/XXXX/16 from Valentine and Kebartas letting them know I am disputing the validity of the debt and for them to cease communication with me. They call repeatedly every half hour and also after I told them to cease communication on XXXX/XXXX/16 @ XXXX. They are very rude and one rep even hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
In XXXX 2016, I requested removal of PMI and was informed it would be removed after the XXXX payment. It was not. Then weeks later informed to submit an additional request. I did that and still nothing has transpired. Your customer service continues to tell me it is in process. The only requirement for my loan currently is it be under 75 % LTV which it is based on the appraisal you have already obtained yourself. No one can provide me with a reason as to why it has not been removed. I have been on the phone for hours with your customer service line and I am still on hold. 

I submitted payment today including PMI and expect that to be reimbursed to me.

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 2017-02-17 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:
Collection company continues to report an account they can not legally verify. They are asking me to prove the account when they have no legitimate documentation for the account to collect on.

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 2017-01-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Sentry Credit, Inc.
State: FL

Complaint narrative:
I had created a XXXX debit card which was recommended as an employee. It was linked to my bank account and the money I used was my own money. A week before I received my card in the mail I saw a charge for XXXX I brought this up to customer service and called XXXX to return my money and cancel my account. I was furious that this happened because it was a debit card which meant someone is taking my hard earned money to buy shoes not even in XXXX. They apoligzed and returned my money in 3-5 days. A week later it happened again over drafting my account I called XXXX again and they said that this transaction had to be processed three times and returned back again in 3-5 days they also said how they cancelled my card and have a new one for me when I explained to them I just did n't want an account with them because this should n't have happened. I also had to call my bank and get them to reverse the overdraft fee. I got the money back agian and then the following week they took out the money again over drafting my account again. I called them for the third time and they said they reversed the transaction again and it will return in 3-5 days hoping this was the last time I called my bank again to reverse the overdraft fee. After two weeks I get a call saying I owe a balance of XXXX for the shoes I bought I explained that I had already disputed with someone that I did n't make this purchase they looked through the records and said oh OK yeah I see that. We returned the money twice and I said actually three times you took my money three times and returned it three times. That 's when they claimed that they gave me an extra XXXX one from my bank and one from them and that I need to pay it. I looked at my account and did n't see any extra money and I refused to pay the balance something that should n't have even happened and caused me allot of problems with my bank. A full month of problems for a fraudulent charge on a debit card I did n't even recieve before this happened and inconsiderate reps that did n't follow my wishes to close the account just to keep me as a card holder.

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 2016-06-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Pro Collect listed fees as debt for an apartment that was vacated. This apartment complex was paid in full at the time of the lease termination. We have repeatedly advised them that this debt is incorrect and we have been provided no right to dispute nor have we been provided with the original debtor 's information, which we need becuase they sold the complex. We have receipts showing where the debt was paid and Pro collect will not provide us with any information so we can dispute. The manager refused to send me a copy of the notice stating he already sent it once to the wrong address and he declared he does n't have to do it again and said he did n't care about our credit or if we paid the debt.

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 2017-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from XXXX XXXX XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I have been getting payday loans from this company for years and this month because my last was not within 30 days of XX/XX/XXXX they had to date this month 's loan for XX/XX/XXXX and instead of holding it for XX/XX/XXXX in good business practice. Instead they deposited it on XX/XX/XXXX. Other companies call and ask if that date is okay or not. I was charged a {$29.00} NSF. They did call me and tried resolve the issue but the Area District would not okay the return of the fee. I know I was not the only one with this issue because the clerk at the center told me so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I wanted to transfer money to my parents for their medical needs in XXXX and saw an ad. about WU Pay so, I downloaded the WU Pay ( Western Union ) in my XXXX. Then made a call to Western Union to understand the process. I was told to add WU Pay as payee in my bank checking account and paid the money I wanted to transfer into the WU Pay. So, I paid {$620.00} from my XXXX XXXX XXXX checking account to WU Pay and WU Pay received {$620.00} from checking account on XXXX/XXXX/2016. After making several calls and emails ; I was notified by Western Union/WU Pay dispute escalation team that they can not find my {$620.00}. I have provided them with cancelled check for {$620.00}, XXXX and XXXX bank statements to prove that they have my {$620.00} but Western Union/WU Pay is unable to locate my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lamont, Hanley & Associates, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX of California processed duplicate ( sometimes triplicate XXXX claims due to processing errors. A claim was paid, then the duplicate went out without member receiving a second reimbursement. This duplicate claim was pegged as an overpayment in error. Member called customer service back in XXXX 2015, and claims were reviewed stating that member did not owe anything to XXXX. Member, also, has called XXXX several other times due to phone calls from Lamont Hanley to confirm that member do not have any overpayments. Lamont Hanley has been calling member trying to collect a payment that I do not owe. I have called XXXX several times about this erroneous claim and they agree that I do not owe any overpayment, but Lamont Hanley is relentless in calling harassing me for a bill I do not owe. Just two hours ago, I received a call from this collection agency and informed them for the fourth or fifth time that I do not owe XXXX, but this time the rep kept arguing with me stating that " you do owe this bill. '' I hung up and called back and asked to speak with a manager of Lamont Hanley and informed him that his company has been harassing me for almost a year for a bill from XXXX that I do not owe. The manager asked for my phone number, and he confirmed that the matter had been cleared up with XXXX and that his reps will not continue to call. My concern is that this erroneous matter will end up on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL

Complaint narrative:
I did n't see my first complaint about Cash Central but I do remember in there response they they stated they would no longer interrupt me jeopardizing my work status. They continue to call and today alone there were XXXX calls ( phone records will show ) that went to the front office. This is an annoyance and goes against regulations.

Company response to consumer: Closed with explanation