vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: CA

Complaint narrative:
I obtained a loan in XXXX of XXXX for {$5000.00} from Avant. While in the process of applying, I realized the interest rate was very high ( 36 % ). I was very uneasy about accepting the approval but was trying to mend my credit so I asked about the ability to have the loan refinanced internally after a period of time to have the interest rate lowered. When speaking with a representative, they assured me that if I met a few compensating factors, I would be able to refinance and have a lower interest rate applied to my loan. The factors are listed below : Request at least an additional {$1000.00}, maintain the same or better credit status and income situation. I have continually tried to refinance with every application resulting in a decline. I have asked numerous times for reasons for the decline and get the run-around from customer service. I finally received a valid answer last year, that it had not been a year since origination and they advised I wait until after a year to re-apply for a refinance. That I did. When I re-applied, I was declined again. I requested reasons for the decline and this was the response I received : 1.Income insufficient for amount of credit requested 2.Limited credit experiences 3.Presence of BK 4.Length of time revolving account has been established too short In response to those reasons please see below : 1.I make more money now than I did in XXXX of XXXX 2.I have had credit since XXXX so I 'm not sure the reasoning behind that explanation 3.I had a BK present on my credit at the time of origination for the original loan. 
4. I do have XXXX new credit cards but I have had revolving credit for over XXXX years. 

Here 's my complaint ; I feel as though they trapped me into this loan. if I knew that I would be unable to refinance the loan for a lower interest rate, I would gone a different route. I believe that my recent applications are being intentionally declined so Avant can continue to unfairly collect a high rate from me. I had no idea what I was getting into when I signed up for the loan. The process was very quick and confusing and I feel stuck. The representatives are very unhelpful and unknowledgeable when I call and ask for an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have XXXX separate investment accounts ( XXXX personal and XXXX IRA ) with BMO Harris Bank. 45 days ago I sent instructions to transfer all money and equities to XXXX XXXX. In the last few days, XXXX XXXX has made numerous telephone requests for any information and has only received run around remarks such as " I do n't know '' or " I have no idea who you can call '' or " I do n't have that information ''. Obfuscation, foot dragging and total fiducial irresponsibility by any measure -- -no professionalism and possibly theft such as loss of opportunity profit. BMO deserves to be penalized for lack of acceptable minimal procedures and ethics.

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 2016-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
ON XXXX there was a charge on my account that was not authorized. I attempted to dispute the charge online on the bank site and it would not allow me so I had to call a customer service representative. The XXXX walked me through filing the dispute however, they never told me they were cancelling my bank card and specifically told me to answer NO to the question online through the dispute process. On XXXX I attempted to make a deposit to cover expenses and the card would not allow me to make the deposit through the ATM at the local branch. I called and at no time did they ever inform me that the card was no longer valid. They went ahead and paid XXXX charges which caused the account to become overdrawn. I called again and was told that I should be receiving a card in 3 days. A new card never arrived so I called again. This is now towards the end of XXXX. I finally received a replacement card on XXXX. When I logged in, I discovered that PNC was charging me almost {$200.00} in fees for the overdrawn items which totalled around {$400.00}. I have repeatedly contacted the bank to remove those excessive fees and they refuse to acknowledge any error. I ultimately submitted to the bank that until they correct the error I will not be making a deposit to cover what should be {$470.00}, which is the total of the overdrawn amounts plus {$72.00} in overdraft fees. The charges were less than {$400.00} originally and they are trying to rob me by charging a 50 % fee. This is usurious, fraudulent and I will not pay them another cent until they resolve the problem and acknowledge the poor customer service who never told me they cancelled the card. I work during normal banking hours and can not leave work to visit the branch in person. The ATM card was the only way I could make a deposit. I want the fees removed and I am willing to pay only once for each overdraft item. I no longer use PNC but they continue to harass me for the same after I have repeatedly tol them I will not deposit until they correct the problem. The are now not answering my request and only continue to harass me at work when I have clearly told them not to contact me during my working hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
I made the decision to purchase a home and my realtor suggested PHH Mortgage Broker ; I should have researched the matter but I did not and agreed to use them. They have made the whole process harder than it needs to be and have repeatedly asked for information that had already been provided. The close has been scheduled three times and each time the underwriter has comes back with more requirements. Instead of having an open line of communication it is one way ; the whole process is terrible and while I know things have changed PHH Mortgage is a hard company to deal with that does nothing to help the customer. I reached out to another company, XXXX XXXX and they were much more helpful but unfortunately for me I have only XXXX options walk away from the house XXXX a cash offer is on the table ) or continue with the bad choice of PHH Mortgage. I want to ensure this does not happen to anyone else. Research the mortgage broker/company!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I now own a 2009 XXXX XXXX and as part of the sale transaction the seller 's outstanding loan was paid off. I received a lien release from the lender and brought that to the New York State DMV to obtain a clean title. I was informed that there were XXXX liens on the car from Wells Fargo, XXXX representing the original auto loan and the second representing a refinance of the original loan. I can not get Wells Fargo to send me a release for the original lien despite it having been refinanced and then subsequently paid off and satisfied. As a result I still do not have a clean title and can not sell the car. Wells Fargo seems unwilling or unable to provide a lien release letter to the original owner ( my mother-in-law ) so that I can move ahead.

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 non-monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My wife and I have been getting harassing phone calls on our cell phones and at work about a debt we know nothing about. ( They called her XXXX in the last 5 days at work and told her manager she would be served papers at work when she returned ) they are claiming we owe a debt to Wells Fargo from 2005 ( well past the 6 year statute of limitations in Washington state ) they say we are going to be sued and that her wages will be garnished. they wo n't give us any more info without disclosing sensitive information with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have XXXX derogatory payment status ' on my credit report from XXXX student loan. XXXX broke the student loans into XXXX groups and gave them over to XXXX XXXX and XXXX XXXX XXXX. I have since paid off both the XXXX XXXX AKA " XXXX '' and XXXX XXXX. Those loans showed PAID but the original loans from XXXX are still showing on my credit report as Negative. 
It is my understanding that once a loan is sold to another company, the original loan can not remain on your credit. Basically, I 'm getting dinged twice on the same debt. Meanwhile when I call XXXX, they tell me they have no loans assigned to me as they 've been " sold ''. I contacted Experian after filling a dispute online only to have the dispute come back and say that due to my privacy settings, I ca n't file the dispute " online. '' What?! Now I have to order one of their credit reports for {$20.00} just to have a copy to send in. It 's insane. 
I was denied an auto loan because my credit had too many non payments on it. However, XXXX of the derogatory " non-payments @ are from XXXX. 
It sounds as though Experian dropped the ball and needs to clear those original XXXX loans off my report. Otherwise, they are costing me over {$2500.00} on my auto loan that I'n trying to get a lower interest rate on. 
Thank you.

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 non-monetary relief
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Account Discovery Systems, LLC
State: AZ

Complaint narrative:
On XXXX/XXXX/16, I received a call at my place of employment dispite having told the previous company never to contact me at work. The call was from a XXXX XXXX. I was not provided the FDCPA or notified that the call was being recorded. I kept it short because I was at work and in a public area. He began throwing out settlement options. I stated that I needed verification of the debt emailed to me and that I would contact him the following morning. 

On XXXX/XXXX/16, I again received a call from XXXX XXXX who did not provide FDCPA or notify me that the call was being recorded until after he discussed settlement information and I began asking questions. Further, XXXX XXXX stated that if I paid the delinquent account " would be removed from my credit ''. I do n't believe that this is a true statement - it will not be " removed '' from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Pending Company Match
State: OK

Complaint narrative:
My husband was diagnosed with XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX after a check up at XXXX XXXX XXXX XXXX XXXX in XXXX, AZ XXXX. He was laid off of his job and stayed XX/XX/XXXX and XX/XX/XXXX in AZ receiving daily XXXX XXXX. He was able to draw unemployment and I am very secure in my job but it was n't enough to cover the truck payment or mortgage. We started a process with Caliber Home Loans for assistance and asked for a loan modification or extension, this went on for 3-4 months with the final result being that they were unable to help us. So it was n't that we were not paying our bills we were unable to pay them and asked for help with no good result in the end. We are not dead beats I have had my job for 8 years and he had no choice with the XXXX XXXX. Caliber Homes told us they would help us since we filed tons of paperwork with them that it would not effect our credit but obviously that was n't true.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 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: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
My complaint is with XXXX XXXX, XXXX, and Javitch , Block & Rathbone Law Firm. In XXXX 2010 XXXX XXXX XXXX, filed a judgment against me ( case # XXXX ). The debt was paid in full ( I have documentation ) to Javitch, Block & Rathbone in XXXX, 2010. To date, the judgment still shows open on my county 's Clerk of Courts website. I 've requested XXXX XXXX ( Attorney of record ) for this debt to please forward documentation to XXXX XXXX, XXXX of the satisfied debt. To date, XXXX XXXX XXXX, states they have not received documentation.

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 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A.
State: IA

Complaint narrative:
Pnc just purchased our mortgage from XXXX XXXX in XXXX XXXX. Every ince we started this loan I have always been XXXX payment a head. Started paying on this mortgage XXXX XXXX. The first payment was not due until XXXX XXXX we have never missed a payment. In XXXX I had a dispute about repairs that need to be done on a dump truck and trailer I drive. I informed him that I could no llonger safely drive vehicle until repairs were made.well h not only just replaced me but refused to pay the money he owed me almost XXXX but that the way things can go. So I made some adjustments to get but and XXXX was to not be a month ahead on mortgage for awhile Pnc has done nothing but harass me and my XXXX XXXX XXXX mother in law. I explained to them what i did and told them to go back over the history of our loan and send me a copy. Well they only go back to XXXX so they cant see that i started paying on this mortgage 1 month early and I have also made another extra payment to come of the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: IN

Complaint narrative:
When i first established this loan, i requested to have it taken from a certain bank account and was denied. So, when the payment was returned on XXXX XXXX 2015, from a hardly used bank account, i called and was finally given permission to change the bank account on my loan. The lender charged me the {$15.00} NSF and withdrew the loan amount from the correct bank account on XXXX XXXX, 2015. I made my regular loan pymt on XXXX XXXX, 2015. Because the lender does not issues statements nor send out email statements, I had to go to the website to see what my balance was. Their website does not display the balance either. There is no way you can find out the balance on your account unless you call the lender. While looking at the breakdown of my last XXXX payments, I saw that they lender had taken the entire {$380.00}, totaling {$770.00}, and applied it straight towards the principal. When i contacted to lender to ask them why, I was told that, because my payment was returned in XXXX, I had to " catch up '' on the interest for that month and basically pay the interest in advance for XXXX as well. I explained to the rep that there was no " catch up '' interest clause in my contract being that I had made the payment in XXXX as I was suppose to and that I did not see what XXXX had to do with XXXX. I then requested to have monthly statements either mailed or emailed to me so that I could have a record of both my payments and my balance because it did not seem to be moving. The rep informed me that the company does not give statements. I asked her how could a consumer keep track of their balance/payments if nothing was offered to show them what was going on with their account? She sent me a break down of my last payment. That was it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
i tried to draw XXXX dollars from it after inwithdrew XXXX dollars drawer closed and i was shorted XXXX dollars after i appealed they still have not settled the problem and do not eve n bother to contact me and let me know about the outcome of their investigationi have had a large amount of money in checking and saving and at the point of withdrawing my complete accounty and transfering to another trustworthy bank please havethe courtesy to give me a call

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XX/XX/2016 I applied for a Mortgage with Fifth Third Bank. XXXX was my mortgage representative. She ran my credit and saw my score was on the verge of a denial she thought and then said, I should bring it up a few points. After that she still submitted my Mortgage application. Apparently, I was approved for a possible Mortgage if I would of submitted the paperwork the underwriters were asking for. I have documentation in the form of Postal Mail from the 5/3 mortgage center asking for information. I am attaching a Email asking XXXX where should I send these papers, to her or to the address on the mail. She replied " we are waiting and just wait for a denial letter '' is your score over 600? 
I waited and the property I wanted went up for sheriff sale. 
I asked to reapply and XXXX told me that my students loans were too high. Since I had a {$0.00} payment she had to figure out what I pay normally. She came back with a figure of {$400.00} a month on one loan, and {$700.00} on another loan. My student loans are {$19000.00} and 1 % is the average for student loans a month. So I am attaching a email where XXXX stated " FHA '' figures this differently. 
Now, I am at the office of the president asking for help from 5/3 bank. Well I am told that 5/3 wont buy " Sheriff Sale '' property. 
I asked my local 5/3 bank manager and she stated they have plenty of times bought " Distressed Properties '' from other banks. 
I feel that I was discriminated against because of the conversations with XXXX. She made it clear after I called the Office of the President that I got another department involved and there is not much she can do. 
Then after numerous attempts to contact the office of the president, they finally blew me off and decided that I was not worth dealing with. 
I am attaching a small portion of the evidence I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a credit card with 5th 3rd Bank on XXXX XXXX, XXXX, FL XXXX. My payments are due on the XXXX of each month. I made a payment of {$60.00} on the XXXX of XXXX, 2015 through my XXXX XXXX XXXX checking account bill pay. 5th 3rd bank claims that they had received the {$60.00} payment, but that it was returned. Now they charged me a late fee. I am on social security and I ca n't afford this late charges, especially since I was not aware that they had returned it. I paid {$60.00} right away, but they wo n't rescind the late fee. This is robbery. Can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: GA

Complaint narrative:
I obtained a loan through avant XXXX in XXXX 2015, in XXXX i refinanced the loan due to the extremely high interest rate of 59 %, XXXX paid the loan in full and i received confirmation from avant that they recd cks and that the loan was paid off. In the early part of XXXX of 2015, i started receiving harrassing emails and calls regarding an unpaid balance there of XXXX, i emailed them copies of the cleared checks in addition to my loan note copy stating the loan was paid in full. Avant 's compliance dept was handling the inquiry and that they were looking into it.. I received an email from them yesterday that stated they had found the problem, apparently do to an internal processing error my loan was removed from the paid in full list, the debited my account today for XXXX by a remote control check and after numerous calls to them today they stated that i would have to wait for my money until " the ck cleared ''. The debited my account for bill and grocery money that i needed to take care of my family. I offered to call bank on XXXX so that they could get confirmation that the money was debited.. '' That is not their policy they stated and avant complaince could not be reached by way of phone calls only emails. Please address this concern before anyone else has to go through this headache with a company that is supposed to help consumers not cause them duress..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: PA

Complaint narrative:
Put out of business and into jail for harrasments, threats, calls all hours and day and night, not our debt, holidays, terrorists, etc. The collection agency is FBSC Collection Agency/Financial Business and Consumer Solutions/XXXX. Also under names of XXXX or FBCS or XXXX or XXXX or XXXX or XXXX. Website is XXXX. Always changing their address and hiding their real names to avoid the law and prosecutions. Located in XXXX PA and MD and XXXX XXXX XXXX NJ at XXXX or XXXX or XXXX or XXXX or XXXX always harrassments day or nite or holidays and threats and more. Put out of business and into jail NOW!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Armed Forces Loans of Nevada Inc.
State: NJ

Complaint narrative:
I was approved for a personal loan with ARMED FORCES LOANS OF NEVADA and discovered a lot of unethical business practices and fees. The company assesses an ADMINISTRATION AND ORIGINATION FEE is 75 % of the loan. I was funded XXXX which included an administration fee of {$1000.00}. There were some other fees assessed, but I believe this company is taking advantage of MILITARY SOLDIERS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation